Description
Harmony Insurance & Financial Services Inc. is an independent broker company, serving the many needs of an expanding clientele. Helping clients with various insurance protection and retirement planning needs, has been our passion of business, since joining Confederation Life in 1979. Our approach is "honest intelligent effort is always rewarded."
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This is a scary chart, but the GOOD NEWS is that 77% of Canadian's debt is mortgage debt. Making mortgage payments is no different (in principle) than putting money into your RRSP. In both cases, an asset is being built that will prove useful in retirement. Ask us about a strategy to provide money for an RRSP deposit and a lump sum to put against your mortgage. WIN WIN!
Rod Stewart & A$AP Rocky Carpool Karaoke
Tip #5: Carpool to work! A great way to cost share on gas and parking. If only Rod worked in the same building to us! One can dream! A legend in the Harmon family!! - note this clip is from late night TV. Happy Friday! https://www.youtube.com/watch?v=5ndj6xn2P0c
DC's Legends of Tomorrow | official trailer (2016) Wentworth Miller Brandon Routh
Harmon Family Update: Ashton has been working on this TV show and it debuts tonight!!! DC's Legends of Tomorrow premiers tonight on CTV at 8:30! Can't wait.
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Our monthly "fun" money can get out of control. Dinners out, drinks with friends. January is the perfect month to stay in. Tip #4: Invite your friends over instead of going out! Make dinner, order pizza in, open a bottle of wine you have already. It's too cold to go outside anyways! Think of all the money you can save!
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One thing Syd does is he saves every $5 bill he gets back in his change. Tip #3: try saving a little bit everyday. Whether it be every $5 bill you get, or every Toonie. Put it somewhere and forget about it. A great way to give your RRSP a boost at the end of the year.
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Sticking to a budget is not easy these days. There are so many daily temptations. The biggest one for most of us is eating out. Meal planning is a great way to keep those resolutions by saving money and staying healthy. Tip #2: Try making your lunch for the rest of the week. How about forgoing that Starbucks coffee in the morning for extra savings.
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As our holiday credit card statements come in, and our annual property tax bills are delivered - we are all looking for ways to stick to our proposed 2016 budgets! Tip #1: look at your monthly recurring payments and decide which ones were worth keeping. Are you using that gym membership? Do you really need that expensive cable package, or would Netflix be enough? Every little bit saved helps the monthly bottom line.
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