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How to Improve Your Cash Flow Without Earning More

Struggling with cash flow even though your income hasn’t changed? This guide explains practical ways to improve your cash flow without earning more money—by managing expenses, timing, and financial decisions more intentionally.

January 14th, 2026 Read Here...
How to Improve Your Cash Flow Without Earning More
How to Build an Emergency Fund in Canada (Even If You’re Living Paycheque to Paycheque)

How to Build an Emergency Fund in Canada (Even If You’re Living Paycheque to Paycheque)

An emergency fund protects you from debt when life happens. Learn how Canadians can build one realistically, even on a low or unstable income.

December 26th, 2025
How to Build a Simple Canadian Budget That Actually Works

How to Build a Simple Canadian Budget That Actually Works

Budgeting doesn’t have to feel restrictive or complicated. In this guide, Terces Finance explains how to build a simple Canadian budget that fits real life—helping you manage spending, save consistently, and stay financially confident.

December 19th, 2025
The Psychology of Money: Why We Spend the Way We Do

The Psychology of Money: Why We Spend the Way We Do

Why do we spend even when we know better? The answer lies in the psychology of money. In this article, Terces Finance explains how emotions, habits, and beliefs shape spending decisions—and how Canadians can build healthier financial behavior.

December 18th, 2025
Quick Quiz: Are You Ready to Start Investing?

Quick Quiz: Are You Ready to Start Investing?

Not sure if you’re ready to start investing? Take this quick quiz designed for Canadians to assess your financial readiness, identify gaps, and learn what steps to take before you invest with confidence.

December 17th, 2025
The Simple 3-Step Wealth Plan Every Canadian Beginner Should Follow

The Simple 3-Step Wealth Plan Every Canadian Beginner Should Follow

Building wealth in Canada doesn’t have to be complicated. This simple 3-step wealth plan shows Canadian beginners exactly how to take control of their money, start investing with confidence, and grow long-term wealth—without overwhelm or guesswork.

December 16th, 2025
Micro-Investing in Canada: How to Grow Wealth with Spare Change

Micro-Investing in Canada: How to Grow Wealth with Spare Change

Micro-investing makes it possible to grow wealth in Canada using small amounts of spare change. This beginner-friendly guide explains how micro-investing works, the best accounts to use, and how tiny investments can compound into real financial progress over time.

December 15th, 2025
TFSA vs. RRSP: Which Should You Choose First in 2025?

TFSA vs. RRSP: Which Should You Choose First in 2025?

TFSA or RRSP first in 2025? This clear, practical guide explains the 2025 limits, tax trade-offs, and simple decision rules to help you decide. Learn when to prefer a TFSA for flexibility and when an RRSP makes sense for tax savings — plus an actionable checklist you can use today.

December 12th, 2025
How to Start Investing in Canada (Even If You Feel Overwhelmed)

How to Start Investing in Canada (Even If You Feel Overwhelmed)

Starting to invest in Canada doesn’t have to feel overwhelming. This beginner-friendly guide breaks down the exact steps you need to take—from choosing the right accounts like the TFSA or RRSP to selecting simple, low-cost investments such as ETFs. You’ll learn how to build a starter portfolio, avoid common mistakes, and take confident action with a clear checklist. If you want to grow your money the smart way, this is the simplest place to begin.

December 11th, 2025
How to Start Investing in Canada with Just $100: A Practical, Low-Risk Roadmap

How to Start Investing in Canada with Just $100: A Practical, Low-Risk Roadmap

Worried you need thousands to start investing? You don’t. This short guide shows exactly how a Canadian beginner can start investing with $100 today — using TFSAs, robo-advisors, low-cost ETFs, and smart habits. Clear steps. Low risk. Practical next actions.

December 10th, 2025
Behind the Scenes: How We Help Clients Start the New Year Financially Ready

Behind the Scenes: How We Help Clients Start the New Year Financially Ready

Start the New Year with a clear money plan. In this behind-the-scenes post we reveal Terces Finance’s simple 5-step method to get clients financially ready for the year ahead — from a quick financial health check to a binding action plan. Includes what to bring to your free consultation, a client example, media placement suggestions, and conversion-focused CTAs. Focus keyword: new year financial readiness.

December 9th, 2025
How to Build Momentum for the New Year (Without Overhauling Everything)

How to Build Momentum for the New Year (Without Overhauling Everything)

Start small, win often. This post shows practical, low-friction steps to gain momentum for the new year without a full life overhaul. Learn five focused tweaks you can make this week to increase clarity, progress, and confidence — plus a simple weekly framework to keep the gains.

December 8th, 2025
Setting Financial Goals for 2026 That You’ll Actually Reach

Setting Financial Goals for 2026 That You’ll Actually Reach

Set clear, realistic financial goals for 2026 with a simple, repeatable system. This post walks you through SMART goal setting, automated savings, budgeting, and monthly reviews so you can make steady progress and celebrate wins.

December 5th, 2025