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If you’ve searched some version of “does passive income actually exist,” you’re not being naive. You’re being appropriately skeptical. Someone I had just met said it more bluntly at a friend’s house recently. He told me flat out he didn’t believe passive income exists. His reasoning: “It’s a fantasy. The idea that you can do nothing and get paid.” He’s not wrong about the thing he’s describing. He’s just describing the wrong thing. This distinction […]
Are you about to get a regular hourly rate of $50 at work? Do you wonder, “$50 an hour is how much a year?” This article will show you the possibilities when you make $50 per hour. Are you properly compensated for this rate of pay, especially during these times? Whenever there is a job that offers hourly compensation, the first thing that most individuals do is quickly run some numbers to get the bigger […]
Every month since 2017, I have written an article that shows the growth of our passive income. Over the last couple of years, I’ve added some of my annual goals (New Year’s Resolutions). This is usually where I add some personal stuff. My wife was on work travel for two weeks, so my time was focused on being able to get the kids to camps, karate, etc. while managing the busiest month of dog boarding […]
Saving money isn’t just about cutting corners; it’s about making intentional, informed choices that strengthen your financial foundation. If you’re ready to take control of your finances, start by implementing these practical money-saving hacks. Tackle them one step at a time, and you’ll soon see your savings account begin to grow. Cancel Unused Online Memberships Take a close look at your streaming services, subscription boxes, fitness apps, and other recurring charges. If you’re not using them regularly, cancel or pause them. You might be surprised at how much you’re spending on services that no longer add value to your life. DIY Holiday Decorations Skip the expensive store-bought decor and tap into your creativity. Homemade holiday decorations not only save you money, but they also bring a personal, heartfelt charm to your celebrations. Use natural elements, recycled materials, or even craft supplies you already have at home. Plan No-Spend Weekends Challenge yourself to enjoy weekends without opening your wallet. Plan free activities like hiking, visiting local museums on free-admission days, hosting potlucks, or diving into that stack of unread library books. These intentional pauses can reset your spending habits and offer meaningful fun. Cancel Unnecessary Insurance It’s easy to overlook insurance policies you no longer need or that offer redundant coverage. Review all your policies annually (auto, life, renters, and even pet insurance) to ensure you’re not over-insured or paying for extras that don’t align with your current lifestyle. Cut Down on Impulse Purchases Mindful shopping is a powerful habit. Pause before clicking “buy” or swiping your card and ask yourself if the item is truly necessary or just a momentary desire. Waiting 24 hours before making a non-essential purchase can help you avoid buyer’s remorse and keep more cash in your pocket. Use a Cash Envelope System This old-school budgeting method can be surprisingly effective. Withdraw cash for specific categories, like groceries, entertainment, or dining out, and keep it in labeled envelopes. Once the money’s gone, that’s it for the month. It’s a tangible way to control spending and build discipline. Take control of your budget in style! This printable envelope template is exactly what you need to get started! Get it now! Refinance High-Interest Loans Don’t let high interest rates drain your finances. Look into refinancing options for student loans, personal loans, or auto loans to secure a lower rate. Even a modest reduction can significantly lower your monthly payments and free up funds for saving or investing. Buy in Bulk and Share With Friends Purchasing pantry staples, household goods, or personal care items in bulk often comes with a lower cost per unit, but not everyone needs a 10-pound bag of rice. Team up with friends or neighbors to split bulk purchases and divvy up the savings. Negotiate Rent or Mortgage Rates Have you ever tried negotiating your rent or your mortgage rate? It never hurts to ask. Contact your landlord or mortgage lender to inquire about available rate reductions, refinancing opportunities, or rent negotiations. Especially if
Here’s my monthly survey of the best interest rates on cash as of August 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more interest while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn from switching. Rates listed are […]
I don’t know about you but I breathed a sigh of relief when the cash-like asset rules for stocks and shares ISAs were announced. They were nowhere near as bad as I feared. Money market funds (MMFs) are the only investment HMRC has defined as a cash-like asset. .memberful-global-teaser-content p:last-child{ -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent); mask-image: linear-gradient(180deg, #000 0%, transparent); } This article can be read by selected Monevator members. Please see our membership plans […]
This one is a doozy. As you may have heard, Telus cut their dividend by about 55%. This was a big one for the portfolio and my annual dividend income dropped by about $1200. It will take quite a lot more money invested to make … Read moreJuly 2026 Dividend Income Update The post July 2026 Dividend Income Update appeared first on Genymoney.ca.
The month of July 2026 is another month of dividend income landing in my accounts. Due to becoming debt free, I changed my pay myself model. Starting the beginning of August 2021, I am paying myself 30%, just like before. This will now consist of […]
Looking for new bank promotions in Canada? Here are some of the Canadian bank account promos available and their caveats! Some of these new account bank promotions come on more regularly than others. For example, the iPad promotion from the Royal Bank of Canada (RBC) … Read moreCanadian New Bank Account Promotions August 2026 (FREE iPad or $400 Cash) The post Canadian New Bank Account Promotions August 2026 (FREE iPad or $400 Cash) appeared first […]
Yes, you can absolutely start a blog for free and make money. I know because that’s exactly how I got started. I… The post How to Start a Blog for Free & Make Money in 2026 (My $0 to $3M+ Journey) appeared first on MoneyPantry.com.
Kids outgrow clothes faster than you can say “laundry day.” One moment you’re trimming tags off a brand-new romper, and the next, it’s riding up like it shrank in the dryer – except it didn’t. But that won’t stop us from buying more – and honestly, it shouldn’t. On the contrary, if you’ve got closets… Read More The post 10 Best Places to Sell Kids Clothes for Extra Cash appeared first on FinSavvy Panda.
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By Deborah W. Ellis, CFP®, MBA, CRPC® Deborah W. Ellis is the founder of Ellis Wealth Planning, a fee-only fiduciary financial planning firm. An investor, author, and speaker, she helps individuals and families better understand their finances, navigate important life transitions, and make informed decisions about wealth, retirement, and legacy. Connect with Deborah on LinkedIn […] The post Financial Leverage vs. Debt: How to Make Money Work for You, Not Against You appeared first on […]