What The Financial

Financial peace and freedom is possible for all of us ✨

Income, debt or life obligations - they can play a part in where we start our financial journey but they don’t define our journey 😉

Through financial literacy, foundational rules, a strategy and discipline - it’s possible.

Is it easy? No not usually, but it’s worth it. Put in the work and create the life you want. Achieve financial freedom through managing your money.

Here are some rules that apply to everyone!

Wishing you a great week ahead.

Have a question? What the financial is here to help! ✨ send us a DM!

Happy Friday! We love a short week! 💃

We share this reminder that social media isn’t always real life - it’s easy to get lost in comparing ourselves to others or feeling like you’re in a race. Life’s journey is a marathon and it’s important to remember true success is defined by YOU. What brings you peace and the discipline you instill to ensure you are at true peace. That’s being “rich”.

Define what happiness and success looks like to you, chase that 🚀

For us self care & spending time with family is goals 🥰 - how we do that is through financial freedom. This is how we define success to us. It varies which is why it’s important to look at the big picture, consider the life you want to life. Maybe it’s having a healthy retirement fund or paying off your mortgage so you can leave your home for your children or travelling.

Find your drive & work towards that. The ultimate goal is inner peace and happiness ♥️

Wishing you a great weekend ahead!

Have a question? What the financial is here to help! ✨ send us a DM!

Happy Friday! We love a short week! 🕺

We share this reminder that social media isn’t always real life - it’s easy to get lost in comparing ourselves to others or feeling like you’re in a race. Life’s journey is a marathon and it’s important to remember true success is defined by YOU. What brings you peace and the discipline you instill to ensure you are at true peace. That’s being “rich”.

Define what happiness and success looks like to you, chase that 🚀

For us self care & spending time with family is goals 🥰 - how we do that is through financial freedom. This is how we define success to us. It varies which is why it’s important to look at the big picture, consider the life you want to life. Maybe it’s having a healthy retirement fund or paying off your mortgage so you can leave your home for your children or travelling.

Find your drive & work towards that. The ultimate goal is inner peace and happiness ♥️

Wishing you a great weekend ahead!

Have a question? What the financial is here to help! ✨ send us a DM!

Happy August!! What a summer we’ve had this year. From extreme heat to heavy downpour, it’s been hot, rainy & HUMID ☀️

Here are some strategies to help you save energy and keep costs down during the warmer months. We want to keep our home cool while managing the costs & protecting our investment.. our home.

Some of these summer tips are free; others are simple and inexpensive actions you can take to keep energy affordable throughout summer. ☀️

Swipe for additional tips 😉 have a great evening!

*Disclosure: What The Financial is a platform designed for educational purposes only. We always recommend you consult your own financial planner as our strategies do not mitigate the importance of consulting with a professional! ⚠️

LTip of the day! 😉

Let’s simplify how we manage our money, keep a financial calendar! This will help you map out inflow vs outflow and proactively manage your funds. Having a visual and keeping track helps you work towards your goals!

Having a financial calendar is a great way to plan for events, identify upcoming commitments & commit to financial goals such as scheduling no spend days.

We’re all about money mindset & finding ways to stay accountable ✨

Ready to work one on one or maybe you’re a self learner? Let’s chat, set up a complimentary call now! Link in our bio.

*Disclosure: What The Financial is a platform designed for educational purposes only. We always recommend you consult your own financial planner as our strategies do not mitigate the importance of consulting with a professional! ⚠️

Happy Friday Eve! As we wrap up the week we wanted to share some friendly reminders ✨

It’s important to be intentional with your time and setting aside time to complete tasks such as budgeting helps you stay accountable!

Finances are hard, add in regular day to day tasks and work stress - it’s easy to drop the ball or get caught up & THATS OKAY! We’ve been there, trust us! Take a step back, reflect and try again! 🚀

Lastly keep it easy, automate your savings. Treat them like a priority bill that automatically is withdrawn. Stay committed. Stay focused. & remember celebrate the wins even if that win is getting back up and trying again!

Looking for support? Unsure where to start your journey to financial freedom, we’re happy to help. You can send us a DM or comment financial freedom for a complimentary discovery call 📞

Goals, they are what change our dreams to reality. Setting goals and working to achieving them helps us define what we truly want in life. Setting goals also helps us prioritize things. They hold us accountable to seeing certain things through, even if we fail. That’s the thing about goals, they are on going & sometimes require adjustments. Here are some financial goals that apply to most people & always a good place to start! ✨

Swipe for how to manage your goals 🚀 is it easy? No. Does it require work? Yes - but we promise it’ll be worth it 😉

Considering purchasing a home? Or need a personalized financial plan which includes credit review & goal planning? What the financial is here to help! ✨

“A report by insolvency firm MNP Ltd. says 52 per cent of Canadians say they are $200 away or less from not being able to pay all of their bills at the end of the month as higher interest rates and a rising cost of living have stretched budgets” Global News, 2023.

Which is why it is crucial to manage your debt effectively. It’s easy to get lost in debt with minimum payments and interest 💸

Here’s how to crack down on debt & ways to work towards a better posture with your finances!

These steps won’t get you out of debt overnight but it will allow for you to narrow in on a strategy that is proactive and effective.

Remember, it’s never too late or too early to learn about finances! Share this post, pass the message along! Let’s work towards financial freedom together 🤍

Have a good week! 🚀

Can you believe it’s July!! 6 months done and last 6 months of 2023 to go ✨

It’s time for a check in, to help us reflect on what’s going well, where we can improve and set an action plan for the rest of 2023. Identify trends and consider updating your goals or setting new ones. Do a full review, inflow vs outflow. Consider upcoming events, financial commitments & your emergency fund!

It’s all about being proactive 😊 here are some quick things to include in your mid year reflection! 💭

Have a good week! 🚀

Can you believe we’re already entering July!! 6 months done and last 6 months of 2023 to go ✨

It’s time for a check in, to help us reflect on what’s going well, where we can improve and set an action plan for the rest of 2023. Identify trends and consider updating your goals or setting new ones. Do a full review, inflow vs outflow. Consider upcoming events, financial commitments & your emergency fund!

It’s all about being proactive 😊 here are some quick things to include in your mid year reflection! 💭

Have a good week! 🚀

Considering purchasing a property? We encourage you to get a home inspection!

Why? To protect your investment. Real estate can be a great way to maximize on your money but you want to ensure you pick the right property for you!

Based on your budget and needs. By getting a home inspection you can make the right decision for you by ensuring you can afford to maintain the home, identify potential risks and long term potentials such as renovations or upgrades.

It can also be utilized as a negotiating tool to either reduce the selling price or have the previous owner repair/change things prior to purchase.

Protect yourself, protect your money🏡

Considering purchasing a home? Looking to work with a house of experts under one roof? What the financial is here to help! ✨

Happy Friday!! The days are getting longer and the weather is warming up. Happy Summer 🌞

We are here with some money mindset - how to plan a successful summer ✨

Here are the steps to help you plan for summer in a way that is doable based on your budget and commitments.

Plan your summer in advance to help you set an appropriate budget and start a sinking fund for major events or occasions. Let’s stay proactive with our spending to avoid stress and overspending 💰

Happy Monday ✨

We’re back with another key aspect to consider when buying a property - long term considerations!

It’s important to think big picture which includes long term. Your purchase should satisfy your lifestyle needs, align with your budget & work for a certain number of years based on your PERSONAL needs.

Buying the right property can be tricky, which is why it’s important to understand your must haves for your home and identify what’s important. Do your research, understand your needs and we encourage you to work with a professional.

Ready to start your journey to home ownership? What the financial can help you make a personalized plan that works for you! Whether you’re looking to save for a home or ready to buy! 🏡 we can be contacted via DM, e-mail or by visiting the link in our bio 😊

Happy Monday ✨

We’re back with another key aspect to consider when buying a property - long term considerations!

It’s important to think big picture which includes long term. Your purchase should satisfy your lifestyle needs, align with your budget & work for a certain number of years based on your PERSONAL needs.

Buying the right property can be tricky, which is why it’s important to understand your must haves for your home and identify what’s important. Do your research, understand your needs and we encourage you to work with a professional.

Unsure where to start? What the financial can help you make a personalized plan that works for you! Whether you’re looking to save for a home or ready to buy! 🏡 we can be contacted via DM, e-mail or by visiting the link in our bio 😊

FATHERS DAY is this weekend and we wanted to share some gift ideas for those trying to be mindful of their spending & budget ✨

It’s the thought that counts… which is why we love DIY projects and making gift baskets 😊 such an easy yet thoughtful way to show appreciation! ♥️

What about a gift that keeps on giving? Buy your dad stocks to his favourite store or brand. We know personally Apple or Starbucks stocks is a big fav! 🚀

Have a terrific day!

Fathers Day is this weekend and we wanted to share some gift ideas for those trying to be mindful of their spending & budget ✨

It’s the thought that counts… which is why we love DIY projects and making gift baskets 😊 such an easy yet thoughtful way to show appreciation! ♥️

What about a gift that keeps on giving? Buy your dad stocks to his favourite store or brand. We know personally Apple or Starbucks stocks is a big fav! 🚀

Have a terrific day!

Happy Saturday! 🏡 through recent interactions we have noticed an increase in more people wanting to purchase a home.

With the increase in rates, this might be the right time, as fewer buyers are willing to take the leap. Take this increase as an opportunity to buy your home. Why? Well, the increase is less than $20 per month on your mortgage per $100,000.

Key here is this increase isn’t significant IF you plan right!

It’s important to think big picture to best understand what you can truly afford such as expenses aside from the actual down payment.

When buying a property, there are often hidden costs that can add up quickly. These can include closing costs, property taxes, and maintenance and repair costs. Here’s a list to help put it into perspective!

We are working with someone who spends about $500 a month in condo fees. This is also something to take into account! Make sure you budget for these expenses before making a purchase & take these into account when shopping 🏡 let’s stay proactive and efficient with our search!

Considering purchasing a home? Looking to work with a house of experts under one roof? What the financial is here to help! ✨

It’s easy to get lost in the day to day & often we find ourselves putting “me” on the back burner.

As we continue the hustle towards financial freedom, it’s important to invest our time into hobbies that support our growth - whether it be a life skill, self care or building on our mindset.

Here are some types of hobbies that may interest you! Start with one & layer in others based on your time & priorities -

Find a hobby that makes you money 🏡 we like real estate investing

Find a hobby that keeps you creative - consider knitting or learning how to cook!

Find a hobby that is good for your health

Find a hobby that builds your knowledge - YouTube & online courses are a great budget friendly option

Find a hobby that evolves your mindset - partner up with a friend to learn financial literacy together, register for coaching or a mentor program 🚀

Remember let’s stay focused and make the most of our day & time.

Have a great week ahead ✨

A mortgage is a loan that is used to purchase a property or take out against a property you already own. Many people opt for a mortgage & if it’s being utilized to purchase a property it is beneficial to consider getting a pre-approved mortgage.

There are many benefits which allow you to proactively plan & shop effectively ✨

Swipe for what’s needed for a pre approved mortgage🏡

Considering purchasing a home? Looking to work with a house of experts under one roof? What the financial is here to help!

Visit the link in our DM, we have helped many Canadians with a personalized financial plans to help them purchase their dream home✨

Wine or not to wine? Did you know that many Canadians have been opting for the cheaper stuff?
Did you know Canada had the highest price for bottle of wine in 2021?

Here are some interesting facts to consider:

1. The price of wine in Canada is more expensive than the US. (1)

2. The cost of wine has increased by 1.9% in the last 12 months (2).

3. The average cost of a glass of wine is approximately $8.58 CAD. (3)

4. verage consumption for wine is 2.4 glasses per week (4)

If we consume a bottle per week let’s say it costs 30. That’s $1560 Annually!

Further, consider investing that for the number of years you have been drinking!
For the sake of an easy analysis let’s consider:

5 years: Saving approximately $8,618.87 (5).
Tht may not seem like much; however, 41% of Canadians have less than $5000 in savings while 1 in 5 Canadians have less than $1000 saved(6)!

Now we know, you're probably thinking why we used 4% as a rate of return! Well, we partnered with a great company…stay tuned because not only will you be able to unlock 4%* you will be able to unlock a free checking and savings account for yourself! Stay tuned!

We’re not telling you to stop drinking wine or cut out fun - but it’s important to prioritize your savings just as much as fun! Find balance, treat your savings like a priority bill, have a budget and stick to it! ✨

*Disclosure: What The Financial is a platform designed for educational purposes only. We always recommend you consult your own financial planner as our strategies do not mitigate the importance of consulting with a professional! ⚠️

A real estate agent guides & assists buyers and sellers with real estate transactions.

It is a working relationship that requires trust and understanding. After all real estate is a major purchase. Which is why it’s important to work with the right professionals! ✨

A good real estate agent can be invaluable when it comes to buying or selling a property. They have the knowledge and expertise to help you navigate the market, negotiate deals, and find the right property for needs. Here are some things to consider when picking a real estate agent for you.

Considering purchasing a home? Looking to work with a house of experts under one roof? What the financial is here to help! 🏠

Visit the link in our DM, we have helped many Canadians with a personalized financial plans to help them purchase their dream home✨

Continuous growth is 🔑 when it comes to empowering yourself! Whether it’s learning about finances, adding to your skills or evolving your mindset - maximize on your potential & keep working on being the best version of yourself.

The best part, you can do it as a pace that works for YOU! Here are some ways to get into the continuous growth mindset ✨

We hope you have been having a great long weekend, here hobby inspirations ✨ Happy long weekend 😊

Looking to work with a financial coach? Visit the link in our DM, we have helped many Canadians with a personalized financial plan ✨

HOME BUYERS GUIDE ✨ LOCATION!

Location is key 🔑 when it comes to buying real estate. Location is not only going to help you see what type of lifestyle surrounds the area but can influence the value of the home.

The location is one of the most important factors to consider. A good location can increase the value of your property, while a bad location can decrease it.

Look for properties that are in areas with good schools, amenities close by, lower crime rates and easily accessible. All these factors can have a positive influence on the future value.

Lastly consider the appreciation potential, is there potential for the area to grow? Is there development happening? Or is it already overly congested? If so, what makes the “congestion” worth it? Is there a major attraction close by? Consider how all these factors play into your lifestyle or the purpose on purchasing this real estate. Whether personal home or investing, they each have different factors to consider.

Swipe for signs of a good location 😉

Looking to invest in real estate? Unsure on how to implement a strategy to maximize on your investment? Let’s talk! Link in the bio ✨

HOME BUYERS GUIDE ✨ LOCATION!

Location is key 🔑 when it comes to buying real estate. Location is not only going to help you see what type of lifestyle surrounds the area but can influence the value of the home.

The location is one of the most important factors to consider. A good location can increase the value of your property, while a bad location can decrease it.

Look for properties that are in areas with good schools, amenities close by, lower crime rates and easily accessible. All these factors can have a positive influence on the future value.

Lastly consider the appreciation potential, is there potential for the area to grow? Is there development happening? Or is it already overly congested? If so, what makes the “congestion” worth it? Is there a major attraction close by? Consider how all these factors play into your lifestyle or the purpose on purchasing this real estate. Whether personal home or investing, they each have different factors to consider.

Swipe for signs of a good location 😉

Looking to invest in real estate? Unsure on how to implement a strategy to maximize on your investment? Let’s talk! Link in the bio ✨

Mother’s Day is this weekend and we wanted to share some gift ideas for those trying to be mindful of their spending!

It’s the thought that counts… which is why we love DIY projects and making gift baskets 😊 such an easy yet thoughtful way to show appreciation! ♥️

Did you know 1 in 2 Canadians spend about $50 on Mother’s Day while 30% spent closer to $100 💰 which is why it’s important to budget for all special occasions, this includes gifts, the wrapping paper and even the card! Take into consideration ALL of it when it comes to budgeting ✨

What about a gift that keeps on giving? Buy your mum stocks to her favourite store or brand. We know personally Apple stocks is a big fav! 🚀

Have a terrific FriYAY!