Personal finances can be a challenge for people of all ages, races and gender. It seems now more than ever is the time we need to come together and make sense of the money factor. Sometimes the smallest changes in our spending habits can add up to a whole lot of savings!

This column will include tips and tricks on when are where you can save. Also, I will focus on organizing what you have going on right now with your own cash flow. If we can establish a personal budget we can achieve all the things we want in life without living in the red! Doesn’t that sound appealing!?

I hope you find this column insightful and thought provoking, but most of all I hope it will help you or possibly someone you know acquire greater financial health.

Mandy Tamaki has been in the financial services industry for several years and  has assisted the financially challenged and observed  financially healthy people of all kinds. She looks forward to sharing what she has learned over the years in dealing with so many people on all levels of the financial scale.

Please forward any feedback to mstamaki@shaw.ca.