April To-Do

April Fool’s Day – the debate continues: pranks until noon or until midnight?

  • Easter is April 4th – enjoy an Easter egg hunt and all that chocolate!
  • Make sure you are (or your employer is) paying for MSP. And be thankful if you have group health coverage, some people will marry for insurance!
  • More spring cleaning! Check out the “Your Money” site, there are loads of great Canadian resources and tips such as how to stretch your grocery dollar and how to sell your stuff on consignment.
  • Taxes are due (if you owe) by April 30th, so get filing! If you know you are getting a refund, there’s no rush to file (but why let CRA hold onto your dollars?).

The list is short but the links are extensive, take some time this month to track your spending and ensure you’ve got a financial plan for the summer trips (like Vegas…)

March To-Do

It may actually be time to start doing taxes…

  • Check out Quicktax online if you’re doing your own taxes. Look for a link from your online bank to save up to 20%. You can do your taxes for about $14 vs. $40 with a tax preparer.
  • Wished you’d contributed more to your RRSP or started a TFSA? Start now with monthly contributions! $100/month is a low and modest start (and remember, with a Tax Free Savings Account, you can withdraw the money when you need it with no tax implications).
  • Spring cleaning! Take a weekend to go through all your papers, drawers, clothes, etc. Donate or swap your unused items.
  • March break! Schools have a two-week break this year from March 6-March 22 so be aware of extra kids running around your neighbourhood.
  • Take the time to stop and smell the flowers. :)
  • As always, email me if you have questions about anything financial or insurance!

Feburary To-Do

Some call it “RRSP” season, I call it pre-tax season. What should we be looking at this month?
  • Groundhog Day is February 2nd – check for the forecast (my guess is, Victoria will have Spring starting next week)
  • As T4s and RRSP slips start arriving in the mail, file everything in your 2009 tax folder.
  • Print off/find all your charitable donation receipts.
  • Try to suss out your tax situation (hint, your bank may have an online version that doesn’t charge until you file) and make your RRSP contribution (if needed) before March 1st, 2010.
  • Don’t forget about Valentine’s Day! A nice dinner with a bath or movie makes a great night with your lover or friends and doesn’t cost gobs of cash in chocolates or flowers.
  • Now that the New Year’s resolutions are starting to fade in memory, head to the less crowded gym!
  • Gave your credit card a little vacation in January? I bet it wouldn’t mind a little more time in hibernation.
  • Automate your bills and save yourself forgetting or missing it while on vacation in Mexico next week.ta