Money Smart

08/21/2026

Tanné de rendre les banques plus riches ? 🤑 Ouvrez un compte Tangerine 🍊 et payer 0$ frais !
Et recevez bonus de 50$ si vous utilisez code clé orange 17316845S1 🍊 🍊 🍊

08/20/2026

https://slatervecchio.com/class-action/fake-maple-syrup-class-action/. CLASS ACTION

07/12/2026

List of Canadian Class Actions:

We are a Canada wide class action law firm with offices in Montreal Quebec and Ottawa Ontario If you are Canadian the following class actions may be of int

05/02/2026

https://www.facebook.com/share/r/1JK9dPfP1z/?mibextid=wwXIfr

04/19/2026

Get a prize every day!

https://jeux.couche-tard.com/ca/visitez-et-gagnez

Visitez et gagnez. Votre chance de gagner 1 des 10 lots de 10 000$ + plusieurs prix !

04/19/2026

Get a FREE drink, snack or car wash daily

Visitez et gagnez. Votre chance de gagner 1 des 10 lots de 10 000$ + plusieurs prix !

04/16/2026

A credit score is a number that shows how trustworthy you are when it comes to borrowing money.

Lenders (like banks, credit card companies, or car loan providers) use it to decide:

* Whether to lend you money
* How much to lend you
* What interest rate to charge

⸻

📊 Credit Score Range (Typical U.S. FICO Score: 300–850)

* 800–850 → Excellent
* 740–799 → Very Good
* 670–739 → Good
* 580–669 → Fair
* 300–579 → Poor

The higher your score, the better.

⸻

🔎 What Affects Your Credit Score?

1. Payment History (most important)
* Do you pay your bills on time?
2. Credit Utilization
* How much of your available credit are you using?
* Example: If your credit limit is $1,000 and you use $800, that’s high (80%). Lower is better (under 30% is ideal).
3. Length of Credit History
* How long you’ve had credit accounts.
4. Types of Credit
* Credit cards, car loans, mortgages, etc.
5. New Credit Inquiries
* Applying for many loans in a short time can lower your score.

⸻

💡 Why It Matters

A good credit score can help you:

* Get approved for loans
* Get lower interest rates
* Rent an apartment
* Sometimes even get a job

A low score can mean:

* Higher interest rates
* Loan denials
* Higher deposits for utilities

04/14/2026

She thought she was just “bad at life.”

Always late.
Always overwhelmed.
Forgetting things that seemed simple to everyone else.
Starting tasks… and never finishing them.

People called her lazy.
Unorganized.
Too sensitive.

So she pushed harder.
Blamed herself more.
And stayed quiet about how exhausting everything felt.

Years later, she finds out…
It was ADHD.

Not a lack of discipline.
Not a personality flaw.
A real, daily struggle her brain was dealing with.

Then she learns something else—

In Canada, there’s a tax credit for people whose conditions significantly impact their ability to function.

Not just physical disabilities.
Invisible ones too.

And for a second… she pauses.

“Do I qualify?”

But that old voice kicks in:

“Others have it worse.”
“You’re not disabled enough.”
“Just deal with it.”

So she almost doesn’t apply.

And that’s exactly how thousands of people stay stuck—
Struggling silently, while support exists right in front of them.

Here’s the truth:

If your condition affects your ability to think, focus, remember, or manage daily life…
If it’s been going on for a long time…
If it genuinely makes life harder than it should be—

You deserve to at least ask.

Not everyone will qualify.
But a lot more people do than they think.

Stop minimizing your struggle just because no one can see it.

https://www.canada.ca/en/revenue-agency/campaigns/every-dollar-counts.html

03/22/2026

Most people don’t have a money problem…
they just don’t know where their money is going.
I made a simple budget sheet that shows everything clearly. HAND FILLED for those more computer challenged 😊 that do not like EXCEL forms
If you want it, grab it here 👇

03/22/2026

Most people don’t have a money problem…
they just don’t know where their money is going.

I made a simple budget sheet that shows everything clearly.

If you want it, grab it here 👇
https://docs.google.com/spreadsheets/d/13LinaQhxf3ATCL3e54boxr63a9mg0vnG/view

This simple spreadsheet helps you track exactly where your money is going.No fluff. Just clarity.