5 Ways to Save on Valentines Day!

5 Ways to save on Valentines Day: 

-Know where to shop for flowers

-Buy gifts from discounted places

-Stay in or Plan something that is free

-DIY Gifts

Hi All!! 

I hope you enjoy this one, I thought I would come up with something on this Tips for Tuesday - day  about Valentines Day seeing it is this week!! I hope this helps :) 

With Love:

Kristina

You May Also Like:

Cookies and cream - no bake cheese cake

Chipotle Chicken

Home Made Greek Salad Dressing

Changing the World or Changing Self

Happy Monday Saving Monday!

Everyone things of changing the world, but no one think of changing himself 

-Leo Tolstoy-

I chose this motivation for you today because, I thought it was true in the way that many people dream of changing the world before they think or plan on how. How are going going to achieve your dreams? Well by starting with yourself... and even more specific with you finances, you can make sure you are going down the path you wish to be going down. Focus on your spend, saving, need to spend on, how much do you need to achieve... etc. This will in turn help you to get to the place you dream to be. Like anything else, it takes time, but its worth it. 

Hope you all have a great monday :) 

With Love: 

Kristina

You May Also Like:

5 low carb, gluten free foods to maintain and loose weight

Learn about Buying a Home

Tip for Tuesday - Credit Card Spenders

MORTGAGE RENEWAL

Shopping for a Mortgage Renewal

While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals. By omitting proper consideration at the time of renewal, this practice costs Canadian citizens thousands of extra dollars every year. Nearly 60% of borrowers simply sign and send back their renewal that is first offered to them by their lender without ever shopping around for a more favourable interest rate.

Homeowners should never accept the first rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal is unnecessarily costing the homeowner a lot of money on their mortgage.

Generally it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time that your term expires and this does not give you ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage term timeframe and know when it is time to start shopping for a good mortgage renewal rate.

Before you ever hear from your lender about renewing your mortgage term, have a licensed mortgage professional shop around for you, you will be amazed at what they can accomplish on your behalf!

Your mortgage is one of your biggest expenses. For this reason it is imperative to find the best interest rates and mortgage terms you possibly can. By shopping around at renewal time you can save substantial amounts of money over the life of your mortgage loan. Don't be one of the 60% who just simply sign their renewal letter and send it back. Use the services of a licensed Dominion Lending Centres mortgage professional to ensure the lenders compete for your business.

I wrote a blog a little while ago explaining a little bit about mortgage renewal : Tip for Tuesday: Mortgage Renewal

The rates I can offer you are much better than the rates a bank can offer you, you dont need to sign up for sure, but why not inquire... No harm in that! Remember I work all over Canada :) 

Click here to send an inquiry: http://kristinacrosbie.ca/mortgage-renewal 

See Also:

Mortgage Renewal Tip

Tip for Home tan

5 Low-Carb, Gluten-Free Foods

Mid Week Meals - 5 Gluten-Free Low-Carb Foods

Mid-Week Meals 

5 Low- Carb and Gluten Free Foods - Meat, Poultry and Fish, 

Vegetables, Nuts, Fruits and Fresh Herbs. 

Hope you enjoy todays post and all is well with you :) 

With Love:

Kristina Crosbie

See Also:

Financial Advice from Wayne Gretzky

Financial Tips - Credit Card Spender

Cookies and Cream Cheesecake

Financial Advice from Wayne Gretzky

Now with Hockey season on I thought it would be suitable to post this when I saw it. Wayne Gretzky has been very successful in his life, its amazing how much he has accomplished! 

I hope you enjoy these tips and that you find them helpful. 

Dont forget to leave a comment below and if you follow me on my social media site share, like and repin. Lots of love.

See Also: 

Home Made Greek Salad Dressing

Best Visa Credit Cards out there!

Financial Motivation

For on where I got these tips from see: http://www.moneysense.ca/2012/12/24/the-payoff-know-your-strengths/

Worry Gets you Nowhere.

Happy Money Saving Monday!!

Worry, like a rocking chair will give you something to do, but it wont get you anywhere.

-Vance Havner-

I hope you all find this something that will help you not worry about your finances, mortgages...etc. Rather it will make you realize the only way is to start working toward being debt free... and if that means finding someone that can help you, then that is a great start. 

Visit me at: kristinacrosbie.ca

See Also:

5 Tips for Students

Money Saver - Home Made Tortilla Chips

Mortgage Renewal Tips

Learn about Buying a Home

Learn about Buying a New Home

The purchase of a home is the largest purchase most people make during their lifetime. At Dominion Lending Centres, we want to make each and every purchaser aware of the many mortgage options available to them prior to their purchase and closing date.

Now, more than ever, financial institutions are regularly launching new products and programs, making it easier to get into that new home sooner. Today, interest-only loans, self-employment programs, rental purchase programs, vacation property programs, and a host of other innovative financing alternatives are dotting the home purchase landscape, making homeownership a reality for more people than ever.

Whether you are first-time buyer or an experienced buyer with excellent credit, Dominion Lending Centres has access to the very best products and rates available across Canada. Give us a call... we think you'll be pleasantly surprised!

You can Apply online at kristinacrosbie.ca

See Also:

Love Rate Visas

Why To List/Buy in the winter months

Dragon's Den Episode on Finances