January is upon us! Time to dig out from underneath the wrapping paper and get back to a healthier financial lifestyle!

The beginning of the year is a great time to do an annual financial review for you and your family to make sure you are still on track for your long term goals. Whether it’s a European holiday or a big renovation or saving for a college fund, an annual review is crucial to helping you achieve your goals.

Here are 5 easy steps to help you get started...

In a Manulife survey in 2011, almost 2 out of 3 respondents failed to compare mortgage products and rates from various lenders when their mortgage came up for renewal.  Not knowing what your options are could cost you thousands if not tens of thousands of dollars in extra interest and fees.

Here are some things you should know about mortgage renewals...

If you are in the market to buy a new home – don’t overlook that fixer upper! 

For many first time home buyers, they face the duel challenge of not having a big down payment and higher home prices.  Often, the only homes that younger buyers can afford are ones that are in need some renovations.

But just how do you budget for renovations when you’ve maxed out on the down payment?