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How to Track your Personal Financial Liabilities & Assets

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Your personal finance, either alone or together with your family, should be thought of as a business. You have income and expenses, and therefore you have an income statement. Likewise, you have assets (capital values of what you own or take title to), and liabilities (debts that you owe). Your assets and liabilities make up your family balance sheet for your business.

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by Joanne David CFP FCSI Share 'How to Track your Personal Financial Liabilities & Assets' on Facebook Share 'How to Track your Personal Financial Liabilities & Assets' on LinkedIn Share 'How to Track your Personal Financial Liabilities & Assets' on Twitter Share 'How to Track your Personal Financial Liabilities & Assets' on Gmail Share 'How to Track your Personal Financial Liabilities & Assets' on Print Friendly by Joanne David CFP FCSI Certified Financial Planner
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Take this Personal Finance Budget Checkup Quiz

by Joanne David CFP FCSI Share 'Take this Personal Finance Budget Checkup Quiz' on Facebook Share 'Take this Personal Finance Budget Checkup Quiz' on LinkedIn Share 'Take this Personal Finance Budget Checkup Quiz' on Twitter Share 'Take this Personal Finance Budget Checkup Quiz' on Gmail Share 'Take this Personal Finance Budget Checkup Quiz' on Print Friendly

Creating a budget is quite easy. You can check out my recommended mobile budget applications if you are technical savey. Or if you prefer the pen to paper routine as I do, or simply can’t get motivated to review your expenses and create a budget, please check out my budget tips including an excel template for your use.

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by Joanne David CFP FCSI Share 'Take this Personal Finance Budget Checkup Quiz' on Facebook Share 'Take this Personal Finance Budget Checkup Quiz' on LinkedIn Share 'Take this Personal Finance Budget Checkup Quiz' on Twitter Share 'Take this Personal Finance Budget Checkup Quiz' on Gmail Share 'Take this Personal Finance Budget Checkup Quiz' on Print Friendly by Joanne David CFP FCSI Certified Financial Planner
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7 Financial Seeds to Plant in your Financial Garden

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Do you like to garden? If so, then you will appreciate this list of 7 rather essential financial seeds to plant in your financial garden.

Keep your Financial Garden Simple & Organized

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by Joanne David CFP FCSI Share '7 Financial Seeds to Plant in your Financial Garden' on Facebook Share '7 Financial Seeds to Plant in your Financial Garden' on LinkedIn Share '7 Financial Seeds to Plant in your Financial Garden' on Twitter Share '7 Financial Seeds to Plant in your Financial Garden' on Gmail Share '7 Financial Seeds to Plant in your Financial Garden' on Print Friendly by Joanne David CFP FCSI Certified Financial Planner
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Best Mobile Apps for Your Personal Budgeting

Sometimes as a financial planner I offer to meet with my client's child or grandchild. I usually like to talk about budgeting and long term vision of creating a written financial plan. It always amazes me how ill-equipped parents are in educating their kids about basic budgeting. It was during one of these meetings that I was asked about mobile budgeting. Turns out I was the one ill-equipped. I hadn't a clue so I decided I better start to research the best mobile applications for personal budgeting. This article is the result of what I found in the realm of personal budgeting apps. A great list if I do say so myself!
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Discovering the Secrets of the Edmonton Millionaire

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My spouse and I moved to Edmonton in 2001, from Vancouver. My spouse is an engineer and Alberta was the land of opportunity for him. I had worked in the financial services industry for a long time at that point, and most recently as an independent financial consultant to those families we in the industry today describe as ‘ultra net worth.’ Vancouver is filled with people with large real estate portfolios and high monthly cash flows. Multi-generational families who hired many advisors and who have far too much resources to actually know what to effectively do with. I spent many years discovering, working with their wealth secrets, and ultimately in financial consulting.

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by Joanne David CFP FCSI Share 'Discovering the Secrets of the Edmonton Millionaire' on Facebook Share 'Discovering the Secrets of the Edmonton Millionaire' on LinkedIn Share 'Discovering the Secrets of the Edmonton Millionaire' on Twitter Share 'Discovering the Secrets of the Edmonton Millionaire' on Gmail Share 'Discovering the Secrets of the Edmonton Millionaire' on Print Friendly by Joanne David CFP FCSI Certified Financial Planner
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The True Edmonton Millionaire Next Door

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Over the years I have worked with many different types of people, from many different professions. Interestingly, the people that do well financially are not always those that you think. The true Edmonton ‘millionaire next door’ is often a surprise. Below, I contrast my experience with a well educated, quick thinking (and quick at investing) Edmonton emergency room surgeon with a low paid Edmonton grocery store clerk. Which do you think is the true Edmonton millionaire next door?

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by Joanne David CFP FCSI Share 'The True Edmonton Millionaire Next Door' on Facebook Share 'The True Edmonton Millionaire Next Door' on LinkedIn Share 'The True Edmonton Millionaire Next Door' on Twitter Share 'The True Edmonton Millionaire Next Door' on Gmail Share 'The True Edmonton Millionaire Next Door' on Print Friendly by Joanne David CFP FCSI Certified Financial Planner
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How to Budget (For People Who Hate to Budget)

This article is about budgeting tips for people that really hate to make a budget. Trust me, unless you are an accountant or financial planner, I am pretty sure that likely means you! If there is one thing I learned in financial planning is that you must have a written plan. That always starts with a written budget of your household income and family expenses. In my family we still do this each year, and I am always amazed what even a minimalist like me spends money on.
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Top things I’ve Learned About Investing

I have been in the financial services industry for a couple of decades. There are a few things I have learned about investing and managing money, and about my clients. Here are the top things I have learned about investing: No two investors are the same I have worked with a lot of amazing people. Not one person or couple or family, has the same goals or thinks the same about their present and future financial plans. It never stops to amaze me this uniqueness.
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Loss of your Spouse: 12 Practical Financial Steps

What to do after you lose your spouse? Hopefully, this article will help with the financial steps that need to be undertaken in this confusing time. Below are the main first financial steps that need to be completed. When your spouse dies, it can be traumatic. First off, you need to allow yourself time to grieve. Yet, there are important financial steps that are best to make sooner than later.  Often is the case that you are your spouse's will administrator. It is my hope that this list of essential to do items will assist you in handling the main financial items that are needed to be done sooner than later.
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