CourseCompare, Author at ÍøÆØ³Ô¹Ï /blog/author/coursecompare/ Free personal financial plan Thu, 25 Jul 2019 21:32:31 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 /wp-content/uploads/2018/06/favicon.png CourseCompare, Author at ÍøÆØ³Ô¹Ï /blog/author/coursecompare/ 32 32 Funding your education: should you pay your own way or take out an ISA? /blog/funding-your-education-should-you-pay-your-own-way-or-take-out-an-isa/ /blog/funding-your-education-should-you-pay-your-own-way-or-take-out-an-isa/#respond Thu, 25 Jul 2019 17:54:14 +0000 http://planswelldev.wpengine.com/?p=11657 With all the press around education ISAs (income share agreements), it ÍøÆØ³Ô¹Ï â€™s worth asking if they are the right kind of educational investment for you to make.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you ÍøÆØ³Ô¹Ï â€™ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you ÍøÆØ³Ô¹Ï â€™ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don ÍøÆØ³Ô¹Ï â€™t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there ÍøÆØ³Ô¹Ï â€™s a program in place that allows you to , it ÍøÆØ³Ô¹Ï â€™s not recommended to withdraw money from your RRSP to fund a renovation. You won ÍøÆØ³Ô¹Ï â€™t get the contribution room back and you ÍøÆØ³Ô¹Ï â€™ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

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]]> /blog/funding-your-education-should-you-pay-your-own-way-or-take-out-an-isa/feed/ 0 How much does education pay? Ask a Software Developer /blog/how-much-does-education-pay/ /blog/how-much-does-education-pay/#respond Tue, 27 Nov 2018 16:46:19 +0000 http://planswelldev.wpengine.com/?p=9088 Calculating the return on investment (ROI) for education can be tricky if you don ÍøÆØ³Ô¹Ï â€™t have any relevant data at hand. Should you enroll in a four-year degree or study part-time? Find out here.

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]]> /blog/how-much-does-education-pay/feed/ 0 What it costs to quit your job to start a business /blog/what-it-costs-to-quit-your-job-to-start-a-business/ /blog/what-it-costs-to-quit-your-job-to-start-a-business/#respond Mon, 29 Oct 2018 13:16:16 +0000 http://planswelldev.wpengine.com/?p=8672 Thinking about becoming your own boss? Find out just how much it actually costs to quit your job and start your own business.

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