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Articles on Savings

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Around 12 million Americans take out payday loans to help them pay for monthly expenses. andriano_cz/iStock / Getty Images Plus via Getty Images

We tend to underestimate our future expenses – here’s one way to prevent that

Understanding why people underpredict expenses could help them budget more accurately – and even encourage them to save more money.
A 529 plan can pay for up to $10,000 a year for tuition at K-12 schools. MoMo Productions/DigitalVision via Getty Images

What is a 529 college savings plan? An economist explains

College savings plans – known as 529s – can be effective for certain families. Still, it pays to know the ins and outs of how the plans work, an expert says.
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Progressive in theory, regressive in practice: that’s how we tax income from savings

It would be a mistake to think that just because higher earners face higher tax rates, that’s what they pay. When it comes to income from savings it’s the other way around.
Cutting disability benefits while providing little by way of education and job training is only going to lead to increasing poverty and an increasing disability wealth gap. (Shutterstock)

Canadians with disabilities face an uncertain financial future

Canadians with disabilities often have little to nothing left after paying for food, shelter and other living expenses. We need policies that target the root causes of their inequality.
Canadians, like many other people around the world, are stressing about money and have amassed a lot of credit-card debt. (Shutterstock)

Escaping the vicious circle of going paycheque to paycheque

People are stressed out about money, with most of us struggling to make ends meet due to abusing credits cards and amassing consumer debt. Some tips on how to change your spending behaviour.
It’s tax season. Should you put money in RRSPs or TFSAs? (Shutterstock)

How to determine what’s better – RRSPs or TFSAs?

It’s never too early nor too late to start your saving program. Whether it’s an RRSP or TSFA – or preferably both – they are both important and easy ways to help you achieve your financial goals.
The changes to the cap on non-concessional contributions is one of the features of the latest superannuation reform proposals. www.shutterstock.com

Winners and losers from the government’s compromise on superannuation

The Coalition has reached a compromise to get its superannuation reform past its own party, but the changes will make it harder for women and older workers.

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