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    Part of the responsibility of a parent or caregiver is to help children establish good and healthy habits as they grow. A Brown University study that focused on habits in children found that routines and patterns of responsibility are unlikely to vary significantly after the age of 9 years old.

    Published in Money

    The day you buy your first home is an exciting one. There are colour palettes to consider, curtains to hang, and furniture to buy. Before breaking out the paintbrushes, rollers, and logging into furniture websites, you first need to actually get into that house.

    Published in Money

    The key to building financial literacy is to start the conversations early so your child is ready to handle their personal finances when they leave home.

    Published in Money

    If you’ve been following my advice, by now, you should have a nice nest egg saved up.

    Published in Money

    Not all debt is created equal. That’s why at CleveDoesMore.com, we focus on debt management and not just debt reduction.

    Published in Money

    If you took advantage of the Canadian Emergency Response Benefits (CERB) in 2020, you need to immediately take several steps to protect yourself from a fraud accusation and an unexpected tax bill.

    Published in Money

    I have to admit, 2020 has been an unprecedented year narrated by a nerve-racking news cycle full of political strife, civil unrest, and minute-by-minute statistical and medical updates around living through a global pandemic.

    Published in Money

    Most small businesses we know have made zero to minimal revenues since the lockdown started on March 15. But that has not stopped our obligations to pay rent, wages, utilities, and amounts owing to suppliers. Fortunately, the government is rolling out its plan to gradually reopen the economy. I emphasize gradual because the experts anticipate a vaccine in 18 to 24 months. So normal as we know it, and by extension, the revenue we have grown accustomed to, will likely not return until then. Which leads us to today’s question: How do I manage with less money?

    Published in Money

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