Day To Day Finance

Come join us this morning as we talk Financial and Legal boot camp with Navigate Startup House at 10am! I put on mascara for the first time in 3 months, it'll be fun!

Hey everyone, stay on the lookout for the Small Business reopening grant this week. If you were previously approved for the Small Business Impact Grant then you are auto-approved but still have to apply. Application portal should be available this week: https://novascotia.ca//small-business-reopening-support-g/

Hey everyone! If you are phoning from a Bell number there is a known Eastlink to Bell bug that is happening where it says "this number is not a working number". Don't worry, I'm alive! If you are looking for me, send me a text, they seem to be fine!

Hi Everyone! Changes were made to CEBA yesterday to include sole proprietors, this is a big win! You may have payroll under $20,000 but you still need to have a Federal Business Number, have filed your 2018 or 2019 taxes and you need to prove that you have between $40k and $1.5million in eligible, non-deferrable expenses. https://pm.gc.ca//prime-minister-announces-expansion-suppo

I am so excited to announce that we have a new member of the Day to Day Finance team! Garima Chawla is a CO-OP Student doing a placement with Day to Day Finance via Cape Breton University. Garima will be working with us for the next 4 months, and we are so excited to have her! Garima is studying her BBA at CBU and loves accounting and communications. She's been working as a test invigilator and TA while doing her studies. She loves learning new things, cute doggies and shes ...currently binge-watching Money Heist on Netflix! You may see or hear Garima in your inbox over the coming weeks and months and when you do, you'll be as excited as I am! Give her a warm welcome!

Thanks for sharing this with me Fired Creations - The Pottery Painting Cafe. The Stingray Stimulus fund is out there for businesses to apply for grants for free radio advertising to increase business traction. Check out the application process here: https://stingraystimulus.com/

Hey Everyone, the Regional Recovery and Relief Fund was announced today. I'm working on applications now so I'll be updating the blog with the information once these are finished. If you are interested in the program you can find quick info here: https://www.canada.ca//atlanti/campaigns/covid19/rrrf.html

Hello everyone! The government has been busy the last few weeks updating and creating new programs to help you through the pandemic. I've updated the blog on these new programs and provided some highlights below. CERB... The biggest change here is for the self employed. The $1000 you earn is after business expenses. Therefore you can take in more money than that to pay basic business expenses such as rent, power, utilities. The $1000 only reflects money that you have taken from the business as income. Changes on this are effective now. Canadian Emergency Commercial Rent Assistance Program This program is new and in partnership with the provinces. The government is providing forgivable loans to cover 50% of the commercial rent for a small business. Remaining 25% covered by the renter, 25% covered by the property owner. Mid May application date. In Nova Scotia: The Small Business Credit and Support Program This is providing loans of up to $25k for small businesses that are not eligible for the Federal Government $40k loans. The loans are guaranteed by the province. The payroll threshold means you have paid payroll of under $20k in the previous fiscal year and you have seen a drop in revenues of 15% in March and 30% in April, May or June. Applications are going live for this on April 29th. Check the blog for more details! https://www.daytoday.finance//financial-support-during-cov

Hi All, the Canadian Emergency Wage Subsidy will be available for application on Monday April 27th. All administration will be through the CRA MyBusiness Portal. If you are not signed up for this now, I highly recommend starting today to get ahead of it.

keep Nova Scotia in your hearts.

Hey folks! Changes to the CERB were announced today. Check out the info from the Cape Breton Regional Chamber of Commerce below!

Hi everyone! The blog has been updated with information on the Small Business Impact Grant in NS and the Bridge Funding for Workers. All eligibility and application processes are listed. Find me if you have any questions! https://www.daytoday.finance//financial-support-during-cov

Hey everyone, the NS government small business impact grant and work bridge funding are open NOW. The government sprung the details late yesterday and the applications opened at 8am this morning. I am working now to update the blog on what you need to apply.

Hi everyone. I just wanted to provide an update that I am travelling home to Canada today at 3pm barring any additional changes. As soon as I return home I'll be wrapping my head around all of the stimulus packages that will be available to small business and the self-employed and then reaching out to each of you to explain in full detail. My first glance at these packages provide hope but I still think there will be more work to do. I'm your advocate here so let me help y...ou any way that I can. Cross your fingers I get across the border today!

Hey all! I'm sure you've read by now that Trudeau has heard loud and clear that the CERB is not covering a certain portion of the population. Details are emerging around those who have reduced hours being able to apply. There is minimal information at this time but I will update as they come.

To all of my valued clients: You may not know that I had travelled out of the country for a family vacation on Tuesday. Obviously, the situation globally has changed drastically since that time. I am currently here in Barbados and unable to get a flight home until Thursday of this week. We have been reassured that we will not be left here and flights are continuing to arrive from Canada to Barbados daily (?!). There are currently no cases, presumptive or otherwise here. I wi...ll be self quarantining upon my return for the recommended two weeks. Due to this, all scheduled meetings are currently cancelled until further notice. I will reach out to schedule a time for an online screen share in order for us to keep moving your projects along. Work will be continuing as normal, the only benefit to a cloud service company in this uncertain time. I understand that this is a stressful time for you all. Small businesses operate on already small margins. If you have any questions or concerns about your current situation, please do not hesitate to reach out. I’m here to support you. Stay safe, and wash your hands.

It’s been a hard few weeks for all of my clients. Each one has had their own struggles but none have been harder hit than those in the personal services sector. Mandated closures and lack of information left them in the dark. I’ve been working extremely long days since I got back to take care of everyone. I’ve shed a few tears out of fear, frustration and sadness. Then a magical fairy dropped by. The beauties at Nurtured Salon & Spa delivered a token of their appreciation. Even during this unsure time for them they are thinking of others. Thank you Jillian Burns and team for thinking of me. To all of my clients, you will get through this and I’m here to help you. I know it’s uncertain times and it’s not over yet, but we’ll come out on the other side better than ever. Stay strong.

Hey everyone, the blog has been updated this morning with some more detailed data linked from BDC on the 75% wage subsidy. We are still awaiting information on the NS Programs that were announced last week that are being administered through Dal. I have included them in the list and will update as soon as I have more application data. https://www.daytoday.finance//financial-support-during-cov

Hey all, these programs were announced yesterday and the Cape Breton Regional Chamber of Commerce has everything we know about it so far laid out here. This is additional help we all need!

Hi everyone, I have spoken up the line with the MP's office and have been given the following update. AT THIS TIME, in order to qualify for the CERB, you can not collect ANY income. This is obviously not the answer I want to be delivering to you all, but it is the answer I've been given. If you have a part-time job, reduced hours or significant reduction income, this does not make you a qualifier. However, do keep in mind that they are keenly aware now that the CERB is missi...ng a massive section of the population. I have spoken on your behalf and hope it falls upon the right ears. It is possible that in the coming days and weeks Parliament may redesign the criteria or that a different program will be announced. I've also been reassured that if any new information comes to light on the qualifications of this program then I will be contacted. Please know I continue to be your eyes and ears during this time. Stay strong.

This last year I’ve been introduced to the most fierce and brave women in this community. Each one of them are taking on change. May we continue to build each other up and support each other along our journeys. #iwd2020

Hey everyone! I've received quite a few messages today about the CERB and $0 income eligibility. It was my impression that to qualify for this money you needed to have $0.00 of income. Given the few scenarios that some of you have presented to me, it's clear there are still many questions to be answered. I'm doing my best to find out as much information as I can. Stay tuned.

New research from The Canadian Payroll Association reveals that financial wellness starts with saving, rather than earning more. http://bit.ly/3639uk1

Our recent blog on COVID 19 Financial Resources for Canadians has been updated with today's most recent information surrounding: - the 75% wage subsidy specifics that have been released - the request by the government for all individuals to sign up for a MyCRA Account in order to more easily facilitate the programs being administered... Hope you are well!

It's the time of year when everyone is rethinking their finances , getting ready for tax season and maybe, just maybe, wishing they had saved more . Whether it's business or personal, this article from VICE has tangible steps for helping people fix their finances in the future. https://www.vice.com//the-best-way-to-manage-your-money-is If your small business needs strategies for planning to pay off debt or wants to avoid getting into that situation in the future, reach out!

To combat the information overload & misinformation surrounding the many resources that have been announced for small businesses & individuals during this COVID 19 outbreak, I’ve created a thorough list of all of resources available to you as a small business in Nova Scotia! Check it out on our blog here: https://www.daytoday.finance//financial-support-during-cov

For all applicable clients: The Payroll Remittance subsidy by the federal government has been upped from 10% to 75%. This has been implemented through automation on your payroll solutions already. This will push the maximum up for every employee to provide some relief during this time. Additional stimulus for business clients will be available from the federal government through government loans. Announced today there are guaranteed $40k loans available for application to bus...inesses. These loans are interest-free and have $10k included which can be forgivable. They are indeed still loans that need to be paid back but it is assistance that can be used if necessary. For general knowledge on the Canadian Emergency Relief Benefit (CERB): - This can be used to bring employee wages down to $0.00 during this time without needing to lay the employee off entirely. The employee can still volunteer to do aspects of their job but can not receive any remuneration for that work. - For any employee that has applied for EI but is not eligible, they will be automatically moved into the portal for CERB support - If you have applied for EI before March 15th and are eligible then you will remain in the EI pool I will be updating here on any information around the nuances of the CERB as it unfolds. More data on the CERB can be found here: https://www.canada.ca//introduces-canada-emergency-respons Stay tuned!

Happy Holidays everyone! Thought I would use my office as a little reminder to shop local this holiday season. I’m working with so many amazing local businesses and I love supporting so many more. Buying presents for your loved ones locally makes a big impact on the economy, no matter where you live. If you can, shop local! . #shoplocal #capebretonisland . Coffee by Doktor Luke's - a respectable coffee house. Holiday floral arrangement by Family HeirBlooms - Flowers, Gifts..., & Decor. Paint my spirit gold sign by Day by Day Designs Notebooks from Dovetail Summit Community. . Special aside for Cape Breton University Alumni and Friends, Xero Partners and David Blair from our local RBC! See more

Cutesy little cactus post-its that make receipt organization sooooo good

I'm not sure how many Hallmark Christmas movies you've been watching but here... we are getting into the double digits! Tis the season right? The other season we are approaching is ... dun dun dun... tax season! Here are 5 tips for freelancers to get their information ready before the end of the year. https://centsai.com///taxes-blog/tax-tips-for-freelancers/

Last week theSkimm included this survey in their daily email. Budgets can scare people, both in business and personally. Take this quiz and see if it helps you find a simplified budget style that can change your life! https://theskimm.typeform.com/to/cmmjOE?

Thanks Dave Mitten and RBC for the partnership and support during Small Business Week last week. Keeping my mug full and enjoying a sneak of Halloween fudge on this fall day

Small Business Week 2019 might be over but there are lots of ways you can continue to support them all year round!

For every small business out there, give yourself a huge pat on the back. This week Canada is celebrating Small Business Week! Running a business is hard. It takes risk, passion, tenacity... and generally a lot of strong coffee and sleepless nights . However, this is your week to celebrate all your success. Sit back and think about how far you have come, and where you will go next! I'm sure it will amaze you.... If you are local, check out some of the awesome small business networking events that are happening thanks to the Cape Breton Regional Chamber of Commerce. If you know of any other events happening this week that are celebrating small businesses then post them below so we stay in the loop! http://cbregionalchamber.chambermaster.com/events/

Afternoon everyone, just doing my civic duty by reminding you all to get out to those polls and vote! 3.5 hours left

The website is live! Many thanks to Ethan Fenton at Cageless Content for a. being my best buddy and b. helping me nail down this vision. I couldn't be happier with the result and I highly recommend his work. Check him out in the tags above! https://www.daytoday.finance/

So proud of our friends at the Highland Arts Theatre for all of their accomplishments locally. An award well deserved!

Morning Everyone! I wanted to introduce myself on the eve of our website launch. My name is Alison Giovannetti and I am the Founder of Day to Day Finance. For the last 10 years I have been working as an administrative and finance professional with my husband in our previous business Marcato, which was acquired in October 2018. Since then I'm on a crusade; to help small Cape Breton businesses realize their potential in being able to give back to the economy. Commence... th...e creation of Day to Day Finance. Things to know about me: Total geek that loves data and crunching numbers Lives here in Sydney with my husband Darren and our two tuxedo cats, Bernie and Simon. (I cuddles) Avid G-Fit Fitness Studio participant Certified yoga instructor Major sweet tooth Gluten freedom Lover of food, and travel Proud Cape Breton University Alumni I’d love to get to know you and your small business. Comment below tagging your favourite Cape Breton small business! Also, follow us along the journey here on Facebook and Instagram @ daytoday.finance by Peartree Photography with Sherri Poirier

They call me.... the fairy god robot! We are committed to helping our clients succeed in all aspects of administration for their business. This is just one example of a paper trail/organization project that will help a local small business in so many ways!

"The thankful receiver bears a plentiful harvest." - William Blake Wishing all of our clients, family and friends a happy and safe Thanksgiving today!

I’m late to the #internationalwomensday posts because yesterday I was disconnected. I choose to spend the day with another fierce woman and some allies practicing self love, self care and reconnection. It was brilliant. It was exactly what we all needed. We returned so full we were drunk on exhaustion. I was reminded many times throughout the day how proud I am to know so many strong, amazing women and how happy I was that we have a day we can celebrate ourselves. Cheers to that!

Big week for me! Finishing up my final days in the Marcato office. I've decided that with 2019 I'm thinking about starting my own new business. I want to start ...Day To Day Finance to help other businesses gain control of their financial futures and put the focus on their passions. I'm thinking I'll be working from home (mostly) in this cozy little spot, and hoping to take care of the much needed financial analysis and reporting that helps propel businesses forward in their growth. Would welcome you sharing this with your network and friends to gauge interest for market research! Thank you for all the love and support from my family and good friends in the steps to this next adventure! See more