Brenda St Amand
11 Bradford St. L4N 3A6 Barrie, ON, Canada

Two big changes in the last couple of months! I now have my Broker's license and I found a new home with The Mortgage Wellness Group

Great post by Karen Collacutt with some budgeting tips! "I was just sharing with one of my clients a great trick for putting some boundaries around the spending that can easily get out of hand - groceries, entertainment, spending/fun money. I thought it might be helpful for this group too. Use a prepaid credit card! Put your budgeted amount on the card and spend it down to zero. ... I really like the KOHO card and it also gives you cashback. Normally you get 0.5% back, but with this referral link, you get an extra 1% back for 90 days. whoop! (I love free money) If you have wondered how to create some boundaries around spending this is a great trick. Get an extra 1% cashback to get started with KOHO, the smarter spending account. Download the app [https://web.koho.ca/referral/FVFVGZJM](https://web.koho.ca/referral/FVFVGZJM) Or use this code on sign-up: FVFVGZJM

Two new benefit programs open today to assist those who may have to take time off work due to illness or to care for family members who are ill! https://www.barrietoday.com//live-trudeau-joined-by-chief-

Feeling like you're just getting back to some normalcy in life and work but worried things may take a turn for the worse again? Let's talk financial strategies on how to best prepare!

I'm so glad she found out before handing over any money, just a reminder to be vigilant and check your information prior to committing (on paper or financially) to renting or buying and always, always, always trust your gut!

Interesting tweet quoting RBC regarding deferrals, did you notice the part about the Bank having recourse on other assets? It's called "right of offset" and it's written into most credit agreements with Canada's major financial institutions...

Let's chat about the potential that the government is looking to remove the primary residence tax exemption and what that could mean for homeowners

Where to even start to unpack this... while not yet in effect, I've been hearing too many different opinions over the past few months to discount that this could be a reality in the near future. Join me Monday at 2:30 for Monday Mortgage Moments as I talk about what this may mean for Canadian homeowners! https://www.theglobeandmail.com//article-concerns-about-/

I'll have to admit, although I like a clean house, I'm not always motivated to get it that way! With the bigger cleaning jobs I have to be in the mood or I'll give it a half-effort... If you struggle with how often to do the little cleans, big cleans and everything in between, here's a great checklist to map it out! https://www.goodhousekeeping.com//how-often-you-should-cl/