Weekend Reading: Christmas Handout Edition

Christmas is a time for giving, but how far does your generosity have to reach before it starts to impact your budget?  MoneySense reached out to an etiquette expert to ask how much to tip everyone from your hairdresser and manicurist to your personal trainer and housekeeper. Enough is enough, according to Garry Marr, personal finance columnist at

Do You Need A Formal Budget Plan?

Standard advice from most financial planners is that it’s essential to create a budget to track all expenses.  It’s the best way to figure out where your money is going and to rein in any unnecessary spending. 5 Reasons to budget It helps you gain control of your finances. It helps you to achieve your