Today's Budgeting Articles
View articles only on the topic you search below.

CAA travel insurance is one of Canada’s most bought — and least read — travel products. The headline number is real: emergency medical cover of up to $10 million CAD per insured person on CAA club plans. So are the fine-print numbers that decide actual claims: a medical questionnaire from age 60, pre-existing conditions that must be stable for 3 to 6 months before you leave, a $25,000 cap if your provincial health coverage is […]

The IRS requires you to take your full required minimum distribution, or RMD, whether you need to spend the money or not. When that withdrawal exceeds what your budget calls for, you still must account for the income and decide how to use the amount left after taxes.  You can keep saving, although there are limits on where that money can go. If charitable giving is already part of your budget, a qualified charitable distribution […]

  I SPENT MY ENTIRE career in software engineering, yet recent advances in artificial intelligence have surprised even me. Consider mathematics, perhaps the highest expression of human abstract reasoning. In September, OpenAI announced that its AI system had produced a formally verified proof addressing the Navier–Stokes problem, one of mathematics’ seven Millennium Prize challenges. Mathematicians continue to debate the significance of the result, but the fact that machines can now tackle problems that have challenged […]

In a big family, buying a gift for every adult adds up fast. Propose a name draw before Thanksgiving instead, where each person draws one name and buys that person a gift under a price cap you all agree on. Everyone gives and gets one gift instead of a stack, and that one can be better. Source

Some plants naturally produce dramatically different leaf shapes through a phenomenon called heterophylly. Sassafras, mulberry, and English ivy are examples of plants whose foliage can change shape without indicating a health problem. Zion Smith/Pexels You’re walking into your garden and noticing something strange about a plant you’ve been growing for years. Half its leaves look perfectly normal, but the newer growth has an entirely different shape. Some leaves are rounded, while others have deep cuts […]

This ultra-wide screen laptop opens 180 degrees and can lay flat like a tablet. Image source: Amazon This post includes affiliate links. If you purchase anything through these affiliated links, the author/website may earn a commission. For comic book collectors, embracing digital reading can feel surprisingly difficult. There’s something special about holding a physical issue, admiring a glossy cover, and carefully turning each page. Yet owning a digital comics collection has become an increasingly practical […]

Canada’s federal Budget 2026, tabled on November 5, 2026 by Finance Minister François-Philippe Champagne and titled Masters of our destiny, is not a tax-rate budget — personal and corporate income tax rates do not change. It is a household-mechanics budget. Its biggest personal-finance proposals are a one-time grocery benefit top-up of up to $679 for a couple with two children in early 2027, a renamed and larger workers benefit worth up to $3,143 for families, […]

California voters have approved Proposition 37, a sweeping $25 billion homeownership initiative designed to help middle-income families overcome one of the biggest obstacles to buying a home: saving enough money for a down payment. The measure authorizes the California Housing Finance Agency (CalHFA) to sell up to $25 billion in revenue bonds to finance loans covering as much as 17% of the purchase price of qualifying newly constructed homes. Read the rest

The holidays are a magical time, but let’s be real: they can also be very, very expensive, and that is super stressful. If you’ve ever felt like your holiday spending gets away from you, you’re not alone. Often, it’s the small, sneaky expenses that add up the fastest. Here’s a list of 10 hidden holiday expenses you might be overlooking and how to avoid them so your budget stays on track. Shipping Fees Online shopping is convenient, but those shipping costs can sneak up on you fast. Free shipping minimums can be tricky, and last-minute deliveries often cost extra.  Tip: Plan ahead and combine orders to reach free-shipping thresholds, or pick up in-store when possible. Gift Wrap and Packaging Buying fancy wrapping paper, ribbons, and gift bags for every present adds up quickly. Tip: Reuse gift bags and ribbons from previous years, or get creative with newspapers, magazines, or homemade wrapping. Last-Minute Impulse Buys Running out to the store for “just one thing” often leads to multiple impulse purchases. Tip: Make a list and stick to it. Set a personal rule: no last-minute shopping unless it’s truly essential. Extra Holiday Snacks and Drinks Hosting or attending parties can feel expensive, especially when you buy snacks, drinks, or specialty ingredients on top of your usual groceries. So no, you don’t need to make every festive dessert you see on Instagram (especially when it calls for tons of ingredients). Tip: Plan meals ahead and consider potlucks or shared treats to split the cost. Holiday Decorations It’s easy to be tempted by the latest trend or “must-have” decoration every year. Tip: Rotate decorations year to year and avoid buying new ones unless you truly need them. Subscription Services and Streaming Holiday specials, new streaming trials, or gift-related apps can quietly cost you money if you forget to cancel or limit them. Tip: Review your subscriptions and pause or cancel anything you won’t use during the season. Greeting Cards and Postage The cost of cards and postage may seem small, but if you’re sending dozens of holiday cards, it adds up. It’s a very nice tradition, but one that can be a large expense.  Tip: Send digital cards, make DIY cards, or limit physical cards to only close friends and family. Travel and Gas Holiday travel can add extra hotel, gas, and parking costs you might not have budgeted for. Tip: Book early to lock in deals, carpool when possible, and plan your trips carefully to avoid unnecessary driving. Holiday Events and Activities From concerts and shows to ice skating and holiday markets, festive activities can be surprisingly pricey. You don’t need to do them all, and you won’t ruin the “magic” by skipping them.  Tip: Seek free or low-cost local events. Many towns have tree lightings, holiday parades, and community activities. “Just in Case” Purchases Buying gifts or supplies “just in case” someone stops by, or stocking up on backup items, can quickly inflate your spending. Tip: Stick to your planned gift and

Buy now pay later late payments have reached their highest level on record. A LendingTree survey fielded in March 2026 looked at buy now pay later users. It found that 47% paid late at least once in the past year. That is up six points from 41% in 2025. It is up thirteen points from 34% two years ago. The rate has now climbed for a second straight year. Buy Now Pay Later Late Payments […]

Running a small business in Australia means watching every dollar. Rent, wages, insurance and supplies all add up quickly. When a new piece of equipment is needed, the instinct is often to buy it outright. Yet for many small and medium businesses, renting equipment is the thriftier choice. Here are ten reasons renting often beats […] The post 10 Reasons Renting Business Equipment Beats Buying for Some Australian SMEs appeared first on The Thrifty Issue.

It’s that time of the month, where you get to be a fly on the wall as we transparently go through our family’s budget. After a successful low-spend September, we planned for more intentional low spending in October. We did a good job keeping our grocery and household spending low throughout the month. This is our second month in a row of keeping our grocery budget under $500. For having seven of us at home, […]

A conversation I had with a coach of mine (who’s also a mom of four) completely changed the way I think about spending money on myself and my family. In this episode, I’m sharing what she said, why it stuck with me, and how it challenged something I didn’t even realize I believed about motherhood. Get my free masterclass here: How I Lost 50lbs After Having My 3rd Son Listen to the Full Episode: Show […]