February is usually about relationships — and one of the most important ones often gets ignored:your relationship with your money. Most people don’t feel stressed about finances because they’re doing something wrong.They feel stressed because things feel unclear. What I see again and again is this:confidence comes from understanding, not perfection. […]
Yearly Archives: 2026
8 posts
The Bank of Canada held its overnight rate at 2.25% today, meaning the Prime Lending Rate will remain at 4.45% for most lenders, maintaining stability as we move into 2026. After years of unpredictable jumps, this hold gives both buyers and current mortgage holders a moment to breathe. But let’s be clear: […]
January is when many people feel the financial pressure the most —higher payments, tighter budgets, and less room to breathe. What most homeowners don’t realize is that cash-flow relief often comes from structure, not sacrifice. This month, I’m helping clients reset their money strategy by reviewing three things: 1️⃣ Payments & […]
As 2025 wraps up, I want to take a moment to say thank you — whether we’ve worked together directly or you’ve simply followed along for insights and ideas this year. Your trust, support, and engagement mean the world to me. To celebrate, I’m running my Holiday Thank-You Draw!Between December 1 and December 31, […]
On December 10, 2025, the Bank of Canada announced it will maintain its key interest rate at 2.25%. For many Canadian households, this signals a continued period of stable borrowing costs, welcome news for homeowners with variable-rate mortgages or those approaching renewal. Why Was the Rate Held? The Bank’s decision reflects a balancing act: Inflation […]
There’s been a lot of talk lately about rates — and I get it. They matter.But the real question isn’t what’s the best rate, it’s is your mortgage still working for your life? Here are three quick ways to find out: 1️⃣ Check your comfort zone.Has your monthly payment stayed manageable, or […]
The Bank of Canada just gave Canadians something to be excited about: a 0.25% rate cut, bringing the overnight rate to 2.25%, and most lenders’ prime rates down to 4.45%. If you have a variable-rate mortgage, adjustable-rate mortgage, or HELOC, your payments could drop soon. But this cut isn’t just about monthly savings, it’s a […]
This morning, the Bank of Canada once again held the overnight rate at 2.75%, keeping most lenders’ prime rates unchanged. That’s three meetings in a row without a change, and it may be that way through the end of 2025. Why the pause? Inflation is sitting comfortably near the 2% […]
