Doreen Smith

Smith: Advice on how to endure the financial blues of January

Financial columnist Doreen Smith on dealing with the post-Christmas personal finance crunch.

D Smith: Changes in 2013 for the Tax Free Savings Account

The TFSA limit has been increased by the federal finance department due to the increase in the cost of living.

D Smith: Reduce the holiday season stress

The pressure of shopping, socializing, organizing family events and the expense of buying gifts and food contributes to a stressful month.

Smith: Our golden years should be the happiest of our lives

Planing for retirement is essential to enjoying our old age.

D. Smith: Finding good deals in the fall retail season

There are many good deals in every season of the year. Now the fall season is here, there are some discount fall offers for savvy shoppers.

D. Smith: Retirement concerns for the baby boomers

We now live longer so we will collect these pensions over a longer period of time than previous generations.

D. Smith: Doing your homework on will planning will save you money

Almost 50 per cent of all people who should have a will don't. Many others who have an existing will should consider updating it.

Smith: Just married: Some issues to deal with beyond the I do’s

Money issues can make a couple happy and work together in life…or eventually dissolve a relationship.

D. Smith: What mortgage qualification rule changes may mean for you

The changes were made in an attempt to keep consumer spending in check.

D. Smith: Drawing a picture of what retirement will look like

It is important to spend some time in pre-retirement to plan what you will do “for the rest of your life”.

D. Smith: Where does your money get spent?

Whether you are in debt and trying to become debt free, there are some investment strategies to let you where you are financially.

Insurance to deal with the unexpected

Life insurance is a consumer product we buy and hope we never have to use.

D Smith: Spending your tax refund

This is the time of year when Canadians receive their annual tax refund.

D. Smith: Create emergency fund for peace of mind

When I discuss debt repayment or saving money in an emergency fund, the comparison is based on low interest rate costs.

D. Smith: RRSPs take on added importance as pensions decline

Investing in RRSPs is important. It is especially important when employer pension plans are declining.

Smith: Getting the most from your tax return

Be mindful that the deadline for your 2011 tax return is April 30.