Christmas Budget ideas from Catherine

Budgeting for the Holidays: Smart Financial Tips for a Festive Season

The holiday season is a time of joy, celebration, and giving. It’s also a time when expenses can quickly add up, potentially straining your finances. However, with some careful planning and creative thinking, you can enjoy a wonderful holiday season without breaking the bank. In this blog post, we’ll explore various budget-friendly tips to help

Thrive Amid Rising Interest Rates with Cultivate + Evolve Financial

Hello, I’m Catherine Ellis. Today, I’m here to share some motivating and eye-catching tips to help you prepare for rising interest rates. At Cultivate + Evolve Financial, we’re all about empowering you to make confident decisions for your financial future. Let’s dive into key strategies like practicing your payment, making lump-sum payments, understanding mortgage terms,

Insight into the Mortgage Rule Changes & OSFI B20 Release

The Office of the Superintendent of Financial Institutions released its finalized B-20 Update to the mortgage industry, last week the news regarding the upcoming mortgage rule changes for conventional buyers, to put the brakes on borrowing and ensure we will be able to handle a rising rate environment. Don’t panic, there is always a solution

Finding a Home that Meet’s your Financial Goals

Most people’s first question when looking at buying a house is, “how much will we qualify for?”. Qualification, and affordability, are two very different things. Household debt rose to 2.08 Trillion in the 2nd Quarter of 2017 in Canada, with Mortgage debt contributing to 1.36 Trillion and Consumer Credit equating to 609.6 Billion (Statistics Canada).

The​ ​Art​ ​of​ ​Saving​ ​=​ ​Spend​ ​Less​ ​than​ ​you​ ​Earn.​ ​The​ ​Benefits​ ​of​ ​Delayed​ ​Gratification.

We have all spent moments thinking… Why did I buy that? Should I make dinner or go out? Should I get the new iPhone? The new car? The new jacket? Our biggest internal conflict is “I don’t need it, but I WANT it.” Our wants often outweigh our needs resulting in increased consumer spending &