Budgeting For Retirement Blog Articles

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Retirement Income Planning, Calgary
  • Jul 24, 2018
  • Langford Financial

Is Renting a Waste of Money?

 

Calgary Cash Flow Experts
  • Apr 12, 2018
  • Langford Financial

Using The Bank's Money to Build Your Wealth

About 6 years ago we were celebrating our "debt free" day and contemplating what our next financial move would be. We had a significant amount of equity built up in our house. We had already set up a "HELOC" (Home Equity Line of Credit) on our home. . .

Retirement Income Planning, Calgary
  • Mar 18, 2018
  • Langford Financial

The 5 Ways You Can Deal With Debt: Pros and Cons

The average Canadian family spends 170% of what they make and many owe more than 4 times their household annual income. Dealing with debt is a challenge. It is stressful, frightening, and causes shame.   Misconceptions about debt: 1. ) I. . .

Investment, Insurance & Planning, Calgary
  • Jul 13, 2017
  • Langford Financial

The Number 1 Strategy for Taking Control of Your Financial Future

I vividly remember our lunch date that day. We had just come from an appointment at our bank finalizing some re-financing on our home and afterward, Nancy and I decided to grab a bite to eat at Chianti's, one of our favorite restaurants. During. . .

Calgary Retirement Income Planning
  • May 23, 2017
  • Langford Financial

5 Key Elements To a Mortgage Pre-Approval

The 5 key elements of a mortgage pre-approval!  Guest post by Paul Traptow, Mortgage Agent Are you being declined by your banks, confused about mortgage guidelines, or feeling overwhelmed by the process?   We often receive calls that. . .

Retirement Income Planning, Calgary
  • Nov 10, 2016
  • Langford Financial

Where Does Most of Your Money Go? These 3 Will Surprise You...

The 3 Pocket Thieves Interest Costs: The average Alberta family will lose about $500,000 in interest costs during their 40-year working life. How did we come up with that number? If you purchase a home for the average $478,000 that will be. . .

Investments and Insurance Planning, Calgary
  • Jun 28, 2016
  • Langford Financial

Freedom 55 and Other Lies

Turning 30 was the most difficult birthday for me. It's different for everyone, but for me 30 was old. I still didn't know what I wanted to do. I wasn't settled. We didn't have much in the way of assets, savings or investments. I. . .

Quality Retirement Planning, Calgary
  • May 31, 2016
  • Langford Financial

5 Simple Tips To Maintaining Good Credit in Retirement

Canadians say their #1 Financial Priority is Reducing Debt. Did you know that one of the best ways to do that is by getting a better interest rate on your existing debt? This helps you pay more to principle and less to interest thereby helping you. . .

  • May 12, 2016
  • Langford Financial

4 Cash Flow Basics You Should Be Reviewing Constantly

Your car needs to be maintained. So does your home.  Your Cash Flow Plan is no different and it requires ongoing maintenance. Here are 4 cash flow basics to review constantly: 1. ) Is my debt number decreasing each month? When we log into our bank. . .

Calgary's Cash Flow Experts
  • May 12, 2016
  • Langford Financial

Budgeting: Why It Sucks and An Alternative Idea

For most of us, Budgeting is right up there with Root Canals and Colonoscopies. Most of us would prefer the latter. Budgeting focuses on what you cannnot have rather than what you can have. It gives money all of the control over you rather than. . .

Retirement Income Planning, Calgary
  • Mar 11, 2016
  • Langford Financial

7 Smart Strategies for Surviving an Economic Downturn

Tough times will not last forever - tough people will!   During the last downturn, which doesn't seem that long ago, there was a TV Ad by Toyota that said if, “If you can persevere when times are tough, you’ll be unstoppable when. . .

TFSA, Calgary
  • Feb 24, 2016
  • Langford Financial

4 Better Strategies For Your TFSA

The truth is, most Canadians still do not understand what a TFSA is, never mind, what to do with it. A Tax Free Savings Account (TFSA) is an account that you can set up through most financial institutions in Canada. The government allows you to. . .

My Worry-Free Ideal Retirement Plan
  • Dec 10, 2015
  • Langford Financial

How to Choose the Right Advisor

I was talking with a client recently who, after investing for 10 years with one advisor, had not made a cent! In fact, he actually lost money by not keeping up with the rate of inflation. But, you can be sure he paid fees and his advisor made money. . .

Calgary Cash Flow Planning
  • Dec 04, 2015
  • Langford Financial

13 Money Leaks: Fix These Today and Have More Cash For Tomorrow

  Imagine flushing $5 bills down the toilet. You just would not do it. Yet, you do it everyday in other ways.   Just think of energy costs in your home without weather striping around the doors and windows. How old are your windows and. . .

  • Nov 29, 2015
  • Langford Financial

5 Obstacles That Prevent us from Improving our Financial Health

1. ) Overwhelmed - We can sink so deeply into a hole that we can no longer see the light of day. The burden of debt can be more than we can carry and we know that we nearing a breaking point, but don't know what to do about it. Have you ever had. . .

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