Category Archives: Uncategorized

10 Signs You May Need Debt Counselling

It’s become all too common for people to suffer from a huge amount of debt, but at what point does it become a serious problem that you need to tackle? Keep reading to get familiar with the warning signs that tell you when to get debt counselling as a Canadian and begin working towards a debt-free life.

1. Late on bill payments.

Are your bills increasingly piling up one after the other? Are you finding yourself behind on making payments? Don’t let this become a regular habit – the longer you leave bills unpaid, the more you will be charged in late fees, making it harder and harder to pay them off.

2. Inability to save money.

Have you opened up a savings account but unable to keep any or very little money in there? If you want to save money but find yourself unable to, it might just be because your money is tied up elsewhere in loans and late payments.

3. Using credit for monthly expenses.

If you’re using a credit card to pay for your groceries and other necessities like fuel because you have to (not because you want the cash back) then you may be in over your head. This kind of living is nowhere near sustainable.

4. Borrowing more to pay off debt.

It’s a vicious cycle when you need to borrow more money to pay off existing loans. This is perhaps one of the most obvious signs that you need debt counselling.

5. Getting calls from collection agencies.

Does the sound of the phone ringing make you cringe? If you’re avoiding calls from collection agencies, then it’s because you’re in rough financial shape and are truly in need of help.

6. Losing sleep at night.

Money troubles are a leading cause of why people experience stress. If you’re lying awake at night thinking about money, then it’s because you have a reason to be worried.

7. Lack of a healthy budget.

Ideally, everyone should set themselves a monthly budget in order to maintain financial well-being. Budgets help you spend within your limits and reduce your chances of getting into debt.

8. Spending beyond your means.

One of the sure signs of someone in need of debt counselling is when they are consistently spending more than they make. This kind of lifestyle is unsustainable and will quickly spiral you into debt.

9. Only making the minimum payment.

Making minimum payments on your credit card every month on time will help your credit rating but it isn’t enough to pay back what you owe. Eventually, the interest will catch up with you and you’ll just dig yourself even deeper into a hole that’s difficult to get yourself out of without help.

10. Living off overdraft or a line of credit.

An overdraft or line of credit should typically only be used in the case of emergency, not for daily expenses. If you find yourself needing to dip into these financial safety nets regularly then you might just be in a situation where you need help.

Talk to a Credit Counsellor

If you can relate to any of these ten items then it might be time to get the help you need. Certified Credit Counsellors in Canada are understanding and non-judgemental, and they’ll work with you to create a plan to get you back on track.

Upcoming Live Events with Femme Frugality

I’ve been a little bit of everywhere lately, and I’m happy to say my feet have more ground to tread in the near future.

This past week, I had a book signing on the beautiful island of Mount Deseret, hosted by Sherman’s of Bar Harbor. It’s an amazing bookstore right there downtown. If you go to visit now, you just may be able to grab one of the signed copies I left behind. There are limited quantities, though!

Upcoming Live Events

Like I said, there are more places to catch me in the near future. Here are the dates and locations I currently have on the books.

Book Signing & Discussion in Boise

On Tuesday, August 20th, you can join me at Rediscovered Books in Boise, Idaho. This event will be not just a book signing, but will also include an in-depth conversation about some of the themes and solutions covered in The Feminist Financial Handbook.

Starts at 7p–RSVP here!

ABLE Accounts at FinCon

Brynne Conroy speaking at FinCon19 in Washington, D.C.

This year, I’m super excited to be speaking with Paul Curley–founder of The 529 Conference–and Sarah Pennington of ABLEnow about ABLE accounts at FinCon. If you want to buff up on what exactly an ABLE account is before the conference, you can do so here, along with learning about how to invest in one. If you have your own ABLE story, share it with the ABLE NRC by July 31, 2019.

FinCon is September 4-7 in Washington, D.C.

The Finances of Raising a Special Needs Child

Mamas Talk Money is an online summit put on by the brilliant Chelsea Brennan. With speakers tackling topics like career, business and wealth, it will be held October 21-24, 2019. And you can access it from anywhere!

I’ll be presenting on personal finances for parents of special needs children. We’ll talk ABLE accounts, but we’ll also be touching on subjects such as healthcare coverage, budgeting challenges and challenges in your career.

Coming soon to a city near you?

If you’re interested in attending a book signing in your own neck of the woods or are in need of a speaker at your next event, contact me! I’d love to make something happen.

Can It Still Be Done? The Journey Towards Buying A Home

This post is contributed and brought to you by an outside writer.

Can it still be done? The journey to homeownership in 2019.

Owning your very own home has always been part of the American Dream. Believe it or not, this remains true to this day. Around 75% of Americans express that purchasing a home is still a priority for them, according to a survey conducted by Harris Poll. That doesn’t mean there’s not a lot of skepticism on whether buying a home in today’s market can still be done. In a world of wealth inequality and stagnant wages despite increased productivity levels, is the dream of owning a home even still possible?

The Staggering Cost

One of the biggest impediments for aspiring homeowners is the fact that real estate prices are continuing to soar. The median price sale of a home goes for about $253,000 which is about 3% higher than previous years, according to the National Association of Home Builders. They say that the lack of affordability is one of the primary reasons why Americans feel that owning a home is nigh impossible for them.

Strengthen Your Financial Standing

What is one to do, then?

Boost your present and future financial standing.

It’s a good idea to approach a financial advisor who can point you in the right direction if you need to rehabilitate your finances. They may be able to talk to you about options that you can pursue like how to improve your credit score. A good credit score can help you negotiate better loan terms for your future home purchase. You may also consider setting up an account that is specifically for your house savings.

Study the Market

The real estate market can be one of the quickest shifting markets that exists. This is why it is important to familiarize yourself with the signs of a good buyer’s market, terminologies used, and even the average offers made. It also helps if you have a good relationship with your listing agent. They can keep you abreast of any up-and-coming seller’s markets that you can take advantage of. Supplementing your knowledge about the housing market gives you a learned point of view that you can use to correctly identify and score a great deal.

Have a Clear Vision

It helps your odds of buying a home when you have an idea of what sort of property or location of the property you’d like to have. It can be tempting to shift your desires from one style to the next but you must hold fast. A clear vision of the home you want can lend a strong foundation to your journey as a homeowner. Try to build a vision board and get your family’s vision aligned, too. Nothing botches up a good buying opportunity than contrary desires by different family members.

Buying a home can seem like an uphill goal with a lot of pitfalls but you shouldn’t let this dissuade you. Like all challenges, it takes careful planning and careful decision making in order to avoid any mishaps that may derail your dream. At the end of the day, you must never lose sight of your goal to own a home if you want it to ever come true.

Win a Myrtle Beach Condo

This post is in collaboration with Vacation Myrtle Beach.

Myrtle Beach is one of my favorite vacation destinations when I’m not trying to travel and absorb a new culture, but am rather just trying to get away and chillllllllll.

It’s ripe for Pittsburghers. Next time you go down you’ll notice Steelers and Penguins gear spread around disproportionately. It’s because so many of us go there!

Your Chance to Win a Myrtle Beach Condo

What if you could go to Myrtle Beach without having to pay for a rental or timeshare? What if you actually owned your own condo?

So much less money stress, right?

GOOD NEWS!

Vacation Myrtle Beach is giving away a condo (worth $100,000). The person who wins can choose $50,000 in cash instead of the condo. ENTER HERE!

Second place gets a 7-day vacation to Myrtle Beach, and third place gets a 3-day vacation.

If you want to take a look at the condo yourself, here you go, friend!

Should I take the condo or the cash?

Only one person will win the condo or $50,000, but if that person ends up being you, which should you take?

Fifty thousand in cash is tempting. But personally, I’d take the condo. Not only will it allow you to go to Myrtle Beach whenever you want, but you’ll be able to rent it out during all those weeks you’re not there. So it wouldn’t just be a nice vacation every year, it would also be a source of income.

Of course, you have to factor in maintenance and taxes. While I still have to delve into the specific math for this property, I’m willing to assume that the profit you’d get from renting it out would more than cover these expenses while still turning a profit.

No matter which grand prize you’d choose, best of luck! Enter here today!

4 Tips to Drive More Traffic to Your Trade Show Booth

This post is brought to you and contributed by an outside writer.

Many people milling around a crowded Honda booth at a trade show in a warehouse.

It’s tempting to rely on your show organizer alone to drive all the traffic to your trade show booth, but in reality nothing happens until you make it happen. It takes a lot of planning, innovative thinking, and flawless execution on your part to get more footfalls to your booth, says an expert at Trade Show Display, a leading NYC banner printing company.

The usual tactics of giving away free pens and t-shirts or handing out of fliers by booth babes no longer work. So how can you make your trade show booth stand out in the crowd and attract more foot traffic? Here are four useful tips.

1. Contact your prospects ahead of time

Seven out of every 10 attendees make a list of the stores they want to visit before visiting a trade show, says a recent study by Center for Exhibition Industry Research. That’s exactly why you should find a way to reach out to your prospects days before the event. For instance, you can collect the names and contact details of all the registered attendees from your event organizer and contact them via email or direct mail. Make your email copy persuasive without making it too sound too aggressive or salesy. Use images of New York banners to make it look visually attractive.

2. Start a contest

Another good idea would be to encourage potential attendees to participate in a contest that starts online and ends on the event day at your trade show booth. Make sure that you offer exciting prizes for the winners and some innovative freebies for every participant. That way, you can create buzz and drive more traffic to your store.

3. Launch a new product

Trade shows are a great place to launch a new product or make an announcement of an upcoming product. If possible, bring the new product to your booth and allow people to touch, feel and operate it. That way, you can pique their interest in your product and brand. But before you do that, make sure your booth is well designed and have enough space for product demonstration. You can use vinyl & mesh banner printing or retractable banner printing services to show your products in a good light.

4. Make your booth functional and attractive-looking

Irrespective of the size of your booth, you can make it look neat and eye catching. All it takes is a little innovative thinking. And designing an attractive trade show booth doesn’t have to be time consuming. Thanks to same day banner printing services, now you can custom design your trade show displays really fast. Identify the focal point of your booth and place your most crucial message right there, so people can notice it on a quick glance. Also, make sure there’s enough free space for free movements inside your booth. If necessary, seek professional help for banner designing from a reputable banner printing company in NYC.

Choosing the right booth staff is also important. Ideally your booth staff should have in-depth product knowledge, experience in face-to-face marketing, good attitude and a pleasing personality.