Written by: Buffini & Co Blast Past Financial Headwinds! For many, spring is tax season - a perfect time to evaluate your overall financial health. Use the opportunity to refine your budget and set yourself up for financial success for the rest of the year. What will spark momentum and power you forward? START HERE:

• Establish short and long-term goals.
• Reduce unnecessary expenses.
• Create a budget.
• Explore other income streams.
• Consult with a qualified financial professional.

92% of Canadians review their financial plan at least once a year. Your Financial Launch Pad Build a long-term financial strategy with steps you can take today: 3. Assess - Track all monthly expenses, including scheduled payments (e.g., mortgage) and miscellaneous expenses. 2. Budget - Check out online budgeting tools like YNAB (ynab.com), Goodbudget (goodbudget.com) or Honeydue (honeydue.com). 1.  Commit - Make a promise to yourself and your family - you can do this!

• Reduce Spending - Think about what you can eliminate from your budget, even if only temporarily (e.g., streaming platform services, daily coffee runs, takeout meals, etc.).
• Play the Long Game - Time goes by fast! Invest in your future by contributing to a retirement account.
• Job Options - Explore gig work and temporary second jobs. Or it may finally be the right time to make the leap to a new career!