Joumaa-Johnson Financial Group Inc

Joumaa-Johnson Financial Group Inc Insurance & Investments
Disability & Life Insurance
Critical illness Insurance
planning & more Our goal? At Joumaa-Johnson Financial Group we work for you

Life is constantly changing, which is why you need a plan, and a pro-active advisor, that can adapt with your evolving needs and goals. We help you create a financial plan that adapts and changes as your life does. To improve your financial well-being and help you make decisions for today and tomorrow that allow you to embrace all of life’s possibilities. Our Joumaa-Johnson Financial Plan is a det

ailed financial plan that takes your entire life into account and is reviewed and updated regularly. We want to ensure that you have the financial resources to stay on track and meet all your goals. We also believe in building long-term relationships with clients so that we can help you and your family explore all your options at every stage of your life. Whatever your short or long-term financial goals – buying a home, paying for education, reaching your retirement goals or leaving a legacy – we will work with you to develop a tailored-to-you plan that covers all aspects of your financial life.

💡 What Does "Pay Yourself First" Actually Mean?Most people pay everyone else first.Mortgage.Rent.Utilities.Groceries.Sub...
06/23/2026

💡 What Does "Pay Yourself First" Actually Mean?

Most people pay everyone else first.

Mortgage.
Rent.
Utilities.
Groceries.
Subscriptions.

Then whatever is left over goes into savings.

The problem?

For many people, there isn't much left.

"Pay yourself first" means treating savings like a bill that must be paid.

Instead of saving what's left over, save first and spend what's left over.

Even setting aside 1–5% of your income can create a habit that grows over time.

The amount isn't what matters most.

Consistency is.

Small amounts saved regularly often outperform big savings goals that never get started.

**Saving money isn't about what's left over.**
It's about making yourself a priority.

— Joumaa Johnson Financial

The cheapest option isn't always the least expensive.Many people focus on price when making a purchase.But price and cos...
06/16/2026

The cheapest option isn't always the least expensive.

Many people focus on price when making a purchase.

But price and cost are not the same thing.

A $50 pair of shoes that lasts six months may end up costing more than a $150 pair that lasts five years.

The same principle applies to appliances, tools, vehicles, and even professional services.

Before making a purchase, ask yourself:

**"Am I buying based on price, or value?"**

Sometimes spending a little more upfront can save money, time, and frustration in the long run.

Smart financial decisions aren't always about spending less.

They're about getting the best value for your money.

— Joumaa Johnson Financial

Happy Victoria Day from Joumaa-Johnson Financial Group 🇨🇦Today, we celebrate the spirit of community, resilience, and th...
05/18/2026

Happy Victoria Day from Joumaa-Johnson Financial Group 🇨🇦

Today, we celebrate the spirit of community, resilience, and the values that bring Canadians together from coast to coast.

Whether you’re spending the long weekend with family, enjoying the outdoors, or taking a well-deserved moment to recharge, we hope your Victoria Day is filled with happiness, and community. We’re proud to support Canadian businesses, families, and communities every day.

Wishing everyone a safe and enjoyable Victoria Day weekend.

Most People Don’t Realize This About Credit Scores 💳Your credit score doesn’t just affect loans.It can impact:Mortgage a...
05/12/2026

Most People Don’t Realize This About Credit Scores 💳

Your credit score doesn’t just affect loans.

It can impact:

Mortgage approvals
Car financing
Rental applications
Interest rates
Some job or business applications

One of the biggest factors?

Credit utilization.

That means how much of your available credit you are using.

Example:
If your credit card limit is $10,000 and your balance is $8,000… lenders may see that as higher risk — even if you always make payments on time.

A common rule of thumb is to try and stay below 30% utilization when possible.

Good credit isn’t built overnight.
It’s built through consistency over time.

— Joumaa Johnson Financial

The Hidden Cost of Minimum Payments 💳Making only the minimum payment can keep debt around for years.Many people feel rel...
04/28/2026

The Hidden Cost of Minimum Payments 💳
Making only the minimum payment can keep debt around for years.
Many people feel relief after making the monthly minimum… but most of that payment often goes toward interest first.
That means the balance can shrink very slowly, while costing far more over time.
Even adding a small extra amount each month can make a major difference.
An extra $25 or $50 toward principal could save months—or even years—of payments.
Small changes today can reduce expensive stress tomorrow.
Smart money isn’t just about making payments.
It’s about making progress.
— Joumaa Johnson Financial

The Money Mistake Most People Make Most people stay ...
04/22/2026

The Money Mistake Most People Make Most people stay trapped in debt for one simple reason.

They focus on paying it off… before building any safety net.

If every extra dollar goes toward debt and then your car breaks down, rent goes up, or an unexpected bill hits… many people end up using credit again.

That’s why building a small emergency fund first can be one of the smartest money moves you make.

Putting away 1–5% of your income can start creating a buffer over time.

And even $1,000 set aside can help prevent new debt while you work on paying off old debt.

Sometimes stability comes before speed.

Smart money isn’t just about paying debt fast.
It’s about staying out of debt for good.

— Joumaa Johnson Financial

Simple financial habits often outperform complex strategies.Financial Tip: Think “PLAN”When it comes to your finances, k...
04/14/2026

Simple financial habits often outperform complex strategies.

Financial Tip: Think “PLAN”

When it comes to your finances, keep it simple:

P — Prioritize your goals;
Know what actually matters (home, retirement, freedom)

L — Limit unnecessary debt;
Not all debt is bad — but unmanaged debt creates stress

A — Automate your savings;
Consistency beats timing the market

N — Never stop reviewing;
Life changes — your plan should too

Small, consistent actions build strong financial futures.

— Joumaa Johnson Financial Group

Happy Easter from all of us at Joumaa Johnson Financial.Wishing you and your family a season of renewal, growth, and pro...
04/05/2026

Happy Easter from all of us at
Joumaa Johnson Financial.
Wishing you and your family a season of renewal, growth, and prosperity. 🌿🐣
May this time bring fresh opportunities and continued success in the months ahead.

Address

535 Yates Street
Victoria, BC
V8W2Z6

Opening Hours

Tuesday 8:30am - 8pm
Wednesday 8:30am - 8pm
Thursday 8:30am - 8pm
Friday 8:30am - 8pm
Saturday 8:30am - 8pm
Sunday 10am - 3pm

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