Blog

How do “Buy Now, Pay Later” Plans work?

Lately I have gotten several questions about what I call “buy now, pay later plans”. You see them at the checkout when you buy something online. Depending on the store, you might see Pay Bright, After Pay or Sezzle. To be honest, I’ve been skeptical of these options since they appeared to be yet another …

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How to Navigate Disability Income and Benefits

Over the past year, I received a lot of questions about disability income and how to best make use of the programs that currently exists. So, I reached out to my friend Tim Comerford, who is a Registered Rehabilitation Professional and has a passion for helping people with disabilities navigate the financial waters. Below is …

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Seven (7) money questions I received over the summer

This summer was a busy one at Pamela George Financial Literacy Inc. (PGFL). This summer, I received more Facebook and email questions than I have received for all of the first half of 2021. I welcome these questions, as most times it is usually the beginning of more questions and a more in- depth conversation …

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How has the pandemic affected you?

There are people coming out of this lockdown with more money than they have ever seen. While there are others who are forced to move in with family because they have lost their livelihood and can no longer afford to support themselves. I call this the great Covid-19 divide. Regardless of how this pandemic has …

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Are you financially ready to travel?

Are you financially ready to travel_

I think we can agree that most of us are energetically ready to travel. After being at home for over a year, and having to put any plans of travel to the side, most – if not all – of us are likely ready to hop on a plane as soon as it’s safe to …

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Should you rent or should you own: What’s right for you?

Should you rent or should you own: What's right for you?

Did you grow up with the impression that owning a home was the best investment you could make for your future? That owning a home somehow meant you had made it as a successful adult? Hopefully, you haven’t felt pressure to own a home, but the unfortunate reality is, most of us have. Over the …

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3 Steps to Take to Spring Cleaning Your Finances

3 Steps to Take to Spring Cleaning Your Finances

According to Kathy McEwan, an Ottawa-based Certified Professional Organizer, spring is the perfect time to go through your things and declutter. “We collect a lot of stuff over the winter, especially over the holidays, but we don’t necessarily get rid of any. Most people prefer to declutter and clean in the spring so that they …

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How to afford that luxury item

How to afford that luxury item

Have you ever told yourself that you can’t afford a luxury item, only to purchase so many cheap, knock-off alternatives you don’t truly love, that it would have been better to have saved and purchased the luxury item? This is a common mistake I see in my financial counselling. We think that we’re doing our …

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Having separate bank accounts is not a bad thing

Do you have negative connotations associated with the idea of keeping separate accounts to manage your money in a relationship? Society promotes a lot of misconceptions regarding how you should manage your finances when in a relationship. Unfortunately, that means many people feel pressured to conform to certain “rules” that promise to lead to a …

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