Practical tips to help guide you from financial stress to peace of mind!
Every Sunday Afternoon, you'll get actionable tips, stories and helpful information to help you take control of your personal finances and start winning with your money. Â
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Previous Issues of Simplify My Money
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Interest Rates Are Out of Your Control. Your Next Move Isn’t
Interest rates are back in the headlines.
The Federal Reserve meets September 15–16, and there’s plenty of discussion about whether rates could move again. At its last meeting in July, the Fed kept its benchmark rate at 3.5% to 3.75%, although several members wanted rates increased.
And whenever...
Sep 13, 2026
financial stress
interest
planning
Know Your Numbers: Get Back Into a Money Routine
For years, people thought financial success looked flashy.
Big houses.New vehicles.Fancy vacations.Constant upgrades.
But in 2026?
A lot of financially stable people are doing the exact opposite.
Because after years of inflation, rising debt, and financial stress, people are realizing something ...
Sep 06, 2026
budget
financial stability
know your numbers
personal finance
Your Savings Account Is Not a Backup Chequing Account
Your Savings Account Is Not a Backup Chequing Account
You get paid.
You pay some bills.
You transfer $100 into savings.
It feels good.
You’re doing the thing you’re supposed to be doing.
Then Wednesday comes.
Groceries were more expensive than you expected, so you transfer $30 back.
Friday night...
Aug 30, 2026
emergency fund
spending
Are these expenses really unexpected?
The Expenses You Keep Calling “Unexpected”
There’s a certain kind of expense that seems to come out of nowhere.
The car needs brakes.
The dog needs to see the vet.
Someone’s birthday sneaks up on you.
The kids suddenly need new shoes.
Your annual membership renews.
Christmas arrives and somehow ...
Aug 23, 2026
back to school
spending
Back-to-School Shopping Doesn’t Need to Wreck Your Budget
Back-to-school shopping has gotten a little out of hand.
What used to be notebooks, pencils, maybe a new pair of shoes has somehow turned into new backpacks, lunch bags, water bottles, full wardrobes, electronics, trendy supplies and enough “must-haves” to make you wonder if your kid is heading ...
Aug 16, 2026
back to school
spending
“It’s Only $10” Is More Expensive Than You Think
“It’s only $10.”
How many times have you said that before buying something?
It’s only $10 for lunch.
It’s only $10 for the upgrade.
It’s only $10 to add one more thing to the order.
It’s only $10 a month for the subscription.
And honestly? Sometimes it really IS only $10.
Spending $10 on somethi...
Aug 09, 2026
budgeting
planning
spending habits
The Dangerous Lie Your Brain Tells About Money
Have you ever caught yourself thinking...
"Maybe it wasn't that bad."
Maybe it's after seeing someone post pictures from an expensive vacation.
Maybe it's watching someone do a shopping haul on social media.
Maybe it's after a long, stressful week when buying something feels like the reward you'...
Aug 02, 2026
budgeting
planning
spending habits
The Most Expensive Words in Personal Finance
We all have them.
"I deserve it."
Now before you roll your eyes, hear me out.
There's absolutely nothing wrong with treating yourself. The problem isn't the occasional splurge. The problem is when "I deserve it" becomes the reason behind almost every purchase.
Bad day at work? I deserve takeout....
Jul 26, 2026
doom spending
over spending
save
When Bad News Becomes Bad Spending
Have you ever had one of those days where everything feels... heavy?
You open social media and see headlines about inflation, rising grocery prices, layoffs, or another political debate. Then you see someone on vacation, someone buying a new vehicle, or an influencer showing off their latest Ama...
Jul 19, 2026
doom spending
over spending
save
The Secret to Feeling Rich Without Spending More
Have you ever noticed that some people always seem to be chasing the next thing?
A bigger house.A newer vehicle.A higher income.A nicer vacation.
The problem is, once they get there, the finish line moves again.
There's always something newer, bigger, or better.
The truth is, feeling rich isn'...
Jul 12, 2026
gratitude
rich
spend less
The Story You're Telling Yourself About Money
Have you ever noticed how the hardest part of managing money isn't usually the math?
Most of us know we should save more, spend less, pay down debt, and stick to a budget.
The problem isn't knowing what to do.
It's the stories we tell ourselves that stop us from doing it.
They're small. They're ...
Jun 28, 2026
over spending
save
save money
This Is Exactly Why We Had An Emergency Fund
Let's be honest.
Saving money is a lot more fun in theory than it is in real life.
We all love watching our savings account grow. Seeing those numbers go up feels good. It feels like progress. It feels like security.
But what nobody talks about is how it feels when that money suddenly starts d...
Jun 14, 2026
emergency
emergency fund
saving