WatchNo personal budget Make writing one a resolution for the new year

WatchNo personal budget Make writing one a resolution for the new year


OTTAWA — If you don’t have a budget, then financial planners want you to add another thing to your list of new year’s resolutions.Credit counsellor Pamela George says budgeting is important no matter what your income.“I think it is even more important for a bigger salary to have a budget because you need to account for it and you need to understand that $200,000 can finish as fast as $12,000,” said George, who works for the Credit Counselling Society in Ottawa.Start with your paycheque. You need to know how much you are bringing in each month. Then list your mandatory expenses that you can’t really change, such as rent or mortgage payments, utilities, car payments, insurance and debts.George also includes savings and putting money aside for an emergency fund if you don’t already have one in the mandatory category.“I take savings and put it under mandatory because it is mandatory that you save,” she said.Paying down debt remains top priority, but many Canadians making little headway, poll findsFive financial resolutions for 2016, and how to (really) make them happenThen comes your discretionary spending for whatever you might have left over. Things that you have some flexibility with when it comes to your plan. Entertainment, dining out, a gym membership.“These are all things you have a little more control over,” George said. “You can choose not to buy clothes one month. You can choose not to go to the movies.”Jane Rooney, financial literacy leader at the Financial Consumer Agency of Canada, says tracking spending for a couple of weeks to find out how you’re actually spending money is important when building a budget.“The more formal strategy allows people to see clearly where the income is coming in and where the expenses are going,” she said.“Often people underplay where they’re spending the money.”You can choose not to buy clothes one month. You can choose not to go to the moviesThe FCAC offers several tools online to help plan a budget, including a comprehensive calculator, and helps detail how you spend your money.Household debt has flirted with record levels in relation to income, fuelled by low interest rates and a boom in the housing market.The importance of having a budget is especially important for those who have debt, especially bad debt like credit cards.“Knowing to pay as much as you can on a credit card bill as often as you can if you cannot pay the balance in full is a really important tip,” Rooney said.Having a budget doesn’t mean never buying a latte and a pastry on your way to work or always brown bagging your lunch.But it does mean understanding what those things cost and whether or not you can afford them.“There is a sense of freedom and a peace that I have because I work with a budget,” George said.“The consequences of not having a budget is debt.”The Canadian PressIllustration by Chloe Cushman, National Post


Official: Hugo Vallejo becomes new Madrid player

first_imgOn January 10, As revealed the negotiations between Madrid and Malaga for the transfer of Hugo Vallejo. The white club, meanwhile, has not yet issued any information about it, but the end will be a Real Madrid player until 2023, However, this season will be transferred to Deportivo, although this has not yet become official. Hugo Vallejo himself said goodbye Friday of his former team through social networks: “After thinking about everything with my family, we believe it is the best option for my future and to continue growing as a footballer.” As As already said this Thursday, Madrid has done with the services of Hugo Vallejo. The malacitano club issued a statement on Friday on its website to formalize the transfer: “Hugo is transferred to Madrid. The attacker raised in La Academia leaves the discipline of Málaga CF to join the ranks of the white club. Málaga Club de Fútbol welcomes Hugo’s growth in his quarry and wishes him good luck in his professional future, “says the statement from the club from Malaga.last_img

Osasuna-Real Madrid Bale comes out of the dungeon

first_imgZidane comes to the duel after the first major setback of the season after falling against Real in the Cup with an alignment between high risk and recklessness. The stinging of the elimination and the fact of having a week off from behind point to a Madrid dressed up. Courtois, Carvajal, Varane and Mendy will return to rebuild the starting defense, the line that was more open on Thursday, and also Casemiro, who with Valverde forms the invincible couple. The Brazilian has been missing in four games this season and Madrid have only won one, Zaragoza, Second team. To play without it is to do it without a net. The forecast is that Kroos and Modric will complete a four-padded field center, and that Benzema will have Vinicius as a companion, because one more week Zidane does not risk Hazard. Probably awaits a less combative party. Nor will they be in Pamplona or James or Nacho or Brahim or Rodrygo, whose weight in the workforce is decreasing.To the list, however, Bale returned, who leaves the dungeon after an absence of four games, the last two without medical explanation to justify it. Zidane tried to give normality yesterday to the repeated exclusions of the most expensive player in the squad, but He denied, as the Welsh agent had said, that he cannot train five days a week. Seeing him as headline does not seem likely, but Madrid may need it during the crash.Two defeats without Chimy ÁvilaOsasuna still licks his wounds from Chimy Ávila’s injury, which until then had scored almost a third of the team’s goals. HHe has lost both games since the Argentine broke and neither Enric Gallego nor José Arnáiz, signed in the winter market, have still been incumbents. Nor does it seem that they will be today. In principle, Arrasate will put Cardona. Aridante foul, sanctioned, which Roncaglia will relieve, and it is presumed that the technician will repopulate the center of the field with Brasanac next to Moncayola and Íñigo Pérez.Arrasate has so far kept the team out of danger, between positions 8 and 12, thanks to El Sadar. On November 24, Athletic broke a red streak of 31 games without losing at home. Only Bilbao and La Real have won this course in Pamplona. El Sadar is a bramble and Madrid knows it well. There is no party that is understood worse without an audience than this. “A different atmosphere is created, something very difficult to explain but that it makes the Osasuna player feel stronger, ”says Jagoba Arrasate, Vizcaíno coach of the Navarre team for a year and a half (69 games) and Professor of Mathematics in leave, on the crucial role of El Sadar, especially in the games against Madrid, the rival of all time. “It’s the duel of the year,” he warns. This is also understood by the entity, which declared half a day of the club in the midst of general misunderstanding, forcing the subscribers to pay between 10 and 30 euros, a fact that has caused a remarkable discontent among the radical group Indar Gorri. “The game is already lost”, it was in the headline of the statement in which the group suspended its support for the team today as a protest. However, a vast majority of the members have already withdrawn their entry and, angry or not, will steep the game a lot to Madrid.Even under the danger signal, the white team has greatly lessened the Osasuna effect in recent years. The last defeat at El Sadar took place in 2011, with Camacho on the Navarre bench and Mourinho on the Madrid side (Ramos and Benzema are the survivors of that day). Since then, Madrid has won nine times and has drawn two in eleven games.last_img

Tsitsipas: “Sometimes I took tennis very seriously, too much”

first_imgRegardless of not figuring out the victory in Rotterdam, Tsitsipas has a terrific reminiscence of the event, the place he made his ATP debut due to the invitation of Richard Krajicek. “I performed my first main recreation within the ATP towards Jo-Wilfried Tsonga and I began the sport very effectively, however regardless of that I misplaced. I didn’t play simply within the ATP Challenger Tour, I performed extra in Futures. Richard Krajicek gave me the chance to play With an invite, one thing that was very huge for me at the moment. It was my first expertise of going through High gamers. I felt like a celebrity. I noticed myself as somebody who was greater than a junior. I was very excited and needed to know the way high gamers performed. It was my first nice expertise. It looks as if it was a very long time in the past, however it wasn’t that way back. I will play right here for the fourth time. I’ve realized week by week and you’ll see a unique Tsitsipas than the one who performed right here for the primary time. “Tsitsipas acknowledged that he’s not as impulsive as in his beginnings after seeing how fatigue made a dent in him final season. “I management my power higher, I know when to push and when to preserve it. Presently final 12 months I felt drained. You consider altering, typically you need to play extra or play sensible to preserve power. It’s about understanding the sport higher and analyzing sure issues. “The Greek additionally believes that the losses he has suffered will make him higher. “Laborious defeats are essential in my profession and make me come again stronger. With out them I would really feel good, and I am not. They’re essential for everybody. ANDSa defeat within the semifinals (towards Nadal in Australia in 2019) harm, even when it was in three units. I was very near reaching the ultimate of a Grand Slam, one thing I had dreamed of. Nadal performed very effectively. It was a disgrace as a result of I had performed effectively these two weeks. “ Stefanos Tsitsipas shall be one of many huge stars this week on the ABN AMRO World Tennis Match in Rotterdam, the place he’ll attempt to channel an irregular begin of the season. Tsitsipas will search to combat for his first victory within the Dutch event, the place he has fallen within the first spherical in his three earlier appearances, though for that he believes he should change his type and watch tennis. “You may’t make profitable pictures and take off on a regular basis, however I had that downturn in summer season. I tried to enhance, however I began to fall after a lot effort, I needed to chill out, benefit from the recreation. LFatigue is a mix of many issues. It’s extra psychological than bodily however you need to have a steadiness of each on the observe. Not seeing tennis as a job, however as a recreation. I really feel that typically I have taken it very critically, too. The extra matches, the extra exhausted you find yourself. I assume I ought to chill out and benefit from the recreation extra, and never play 100% each level. It will likely be tough to repeat the 2019, however I need to enhance it, “he mentioned in statements to the ATP.last_img

“You never have to be afraid of anyone, we have to compete”

first_imgHe does not declare that the season is played in this tie, but Koke Resurrección, captain of Atlético de Madrid does speak clearly in El Larguero of the importance of the tie against Liverpool that begins this Tuesday in the Wanda Metropolitano from 21 : 00: “We play a lot because we want to pass this tie, everyone has the illusion of winning this tournament, we know that it is very complicated, that you have to be perfect in every game, in recent years we have been on time.”Goals: “The objectives of the club are clear, that we enter the Champions League, which is the fundamental thing for the growth of the club to continue upwards and great players come. Even if we don’t fall, we have to enter the Champions League … The team is mentally strong “.How to hurt Liverpool: “They are having a great season, but in the double match qualifiers we know that Atleti is a very big and very strong team. We must never be afraid of anyone, we respect all rival teammates, but we must compete. If we do well things and we take care of the details can be taken out. The famous 1-0 that everyone says I sign now, and I think any athletic signs it right now. “ About shock preparation: “It has not given us time to work a lot because we have a few days, we have to make a serious game, compete,” although it does set a series of guidelines to follow such as “high pressure up”, “fight every ball” or “try not to make many mistakes or many corners, “actions in which Koke does not hide,” we are having problems. “How is the ‘Cholo’ Simeone ?: “What I know the master, has always been of the same form, has never changed. He has his ideas and will die with his ideas and that is what has made him the coach he is and what has made him great team. He’s still the same, with the same enthusiasm and intensity that he puts in, you see him on the benches every game, he goes crazy and almost goes to the field to play … Yes it’s true, that when things don’t go, you care and think things, I imagine, but in the end this is football and he will always be like this in the same way and nothing will change him. “On the future, Koke has said: “It is difficult to see an Atlético without the ‘Cholo’, hopefully it will endure many years, we all want him to remain here for everything he has given, but football you never know, one day Koke will also leave Atleti, or he will be kicked out , or it will have to be removed. “Joao Felix: “It is true that the season started very well, he was injured, things did not go well, now he has been injured again … It is complicated. When the team does not get things out, people put pressure on who has cost more, but you don’t have to give all that responsibility to the boy, the responsibility we have to have the ones we have been with the longest and he has to enjoy where he is. There are people who say he doesn’t adapt or doesn’t have the mechanisms, but I see the guy who is committed, who wants to do things well, when they don’t come out, he gets mad at himself, but I think he will adapt over time. To all the great players, for example here at Atlético de Madrid, they it has cost. I give you an example, Griezmann did not play until December or things went well. Joao Felix is ​​going to have a great future here because he has quality to spare and the desire to get things right. “last_img

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