Financial Wisdom

February 2024

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Do you sometimes have more month left at the end of your money?

Does any of this sound familiar?

  • I have debt, but also want to save for my future.
  • I’m not sure where my money goes at the end of the month.
  • I’m nearing retirement, and I’m not sure if there is anything more I can do to prepare.
  • I make great income, but I feel like I should get more out of it.

Many of us find that we can sometimes end up having more month left at the end of our money, and we want to find a better way to stay on...

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Personal Finance & Job Transfers

These days, having a career presents many more new rewards and challenges than it ever used to. What we used to take for granted – including our work location – can sometimes change dramatically as companies continue to change and adapt to new economic situations.

This can be great for a business and its bottom line, but really tough on the employees within it. Because we never know exactly what the future holds, you may find yourself facing a job transfer at some point along your career path.

Whether you have already completed a job transfer, are facing a potential transfer, or are in the process of transferring to a new city, there are many things to consider in relation to your overall financial plan.

New Place Equals New Expenses

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Maximizing Your Retirement

Bob and Lisa are wondering just how their retirement will turn out. After all that’s happened over the past few years, their RRSP accounts haven’t grown as much as they had expected. Even in the best of times, they weren’t saving as much as they could have been, at least for all their post-retirement desires.

The good news is that this is not a black-and-white topic. If you fail to save as much money as you want, then it just means that you’ll have a little less and life will go on. It doesn’t automatically turn your retirement into a disaster. Bob & Lisa are learning they just need to learn to live within some new boundaries.

Ellen retired a few years ago. Plunging interest rates have reduced her anticipated GIC income. Despite this, she counts herself lucky as...

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Dale Carnegie

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Cerullo Financial Services
420 Weber St N, Waterloo, ON N2L 4E7
Ph: (519) 725-8311