Peter Boys, Boys Financial Services

Category Archive for: ‘Budgeting’

How can Canadians Recover From Their Addiction to Debt?


Canadians today are some of the most indebted consumers in the world, loading up with more and more debt with …

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New Year Financial Resolutions

financial resolutions

At the start of each New Year, many Canadians ponder their goals. With the average Canadian’s debt to income ratio …

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Don’t Get Locked Into Conventional Mortgages!

conventional mortgage

When making a deposit at my local bank I could not help but notice their latest offering on their bank …

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Canada’s 2017 Budget Comments & Highlights

canada's 2017 budget

Canada’s 2017 budget is designed to cool some of the anxiety and anger that many ordinary Canadians have been expressing …

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Protect Yourself from Scams, Hacks and Identity Fraud


A recent family holiday at Big White Ski Hill reminded me about the need to have a better handle on …

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Make 2017 the Year You Start Your Financial Fitness Program

financial fitness

As you start into this New Year thinking of the things that you might want to change to better your …

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Teaching Your Kids about Money


Almost on a weekly basis young couples stop by my office asking about life insurance or investing. When we get …

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Important Budget Tips for Retirement


When developing a retirement budget, anticipating every expense one might face can be difficult, as it’s easy to underestimate how …

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Learn From the Habits of Wealthy People


It’s all too easy to get sucked into thinking that we can shortcut the road to wealth, by way of …

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Would Increasing Interest Rates Leave You Struggling with Payments?

interest rates

A credit rating company recently reported that almost a million Canadians, including some who currently have excellent credit ratings, could …

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Tough Lessons Families Are Learning During This Downturn

tough lessons

Life’s tough lessons: One of the tough parts of what I do is meeting with young families who have got …

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Divorce & Your Finances


There are some things to think about if contemplating getting a divorce, as the financial fallout of divorce extends far …

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Financial Risk Management for Young Families

manage risk

  The average Canadian family is getting ever deeper in debt, so the need to manage the associated risk has …

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Should You Stress Test Your Debt?

Break Out Of Debt

I just finished reading the latest report from Statistics Canada that Canadians are carrying more debt than ever, with the …

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Taking Charge of Your Savings in Your 40s


Suddenly, you realize you’re in your 40s, and perhaps you don’t have the savings you’d like to have by this …

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Guiding Adult Children to be Financially Successful

financial education

I think one of the most important goals that today’s parents should set for themselves is to raise their children …

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Managing Long Term Debt

managing debt

The trend to longer repayment periods for consumer purchases concerns me. Historically low interest rates are encouraging people to take …

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Schools fail in basic financial education

schools fail

Schools fail in teaching students the basics in financing.  I see this when I meet with clients and learn how …

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Debunking Common Money Myths

money myths

Many common beliefs about money come from rules of thumb that have been passed down from previous generations. Some such …

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If Laid off Tomorrow, are you Prepared?

laid off

Many Canadians working in oil related industries toady are feeling the results of the down-turn and are facing the prospect …

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