Our Blog

See our exciting news and updates

Case Study: Execution Done Right

This case study shows how consistent execution, not complex strategies, leads to real financial progress. Learn how simple systems, discipline, and patience can transform your financial life over time.

April 15th, 2026 Read Here...

Five Financial Mistakes People Make at the Start of the Year

Many people make costly financial mistakes at the start of the year without realizing it. From setting vague goals to overspending and rushing into investments, these errors can affect your finances all year long. This article breaks down five common financial mistakes—and how to avoid them—so you can start the year with clarity and control.

January 2nd, 2026

How to Start the New Year With a Smart Financial Plan (Canada & U.S. Guide)

Starting the year without a financial plan can cost you more than you think. This guide explains how individuals and business owners in Canada and the U.S. can begin the new year with a clear, structured financial strategy for long-term wealth and stability.

January 1st, 2026

What Is Net Worth and How to Calculate It in Canada (Simple Guide)

Your income doesn’t tell the full story. Learn what net worth really means, how Canadians can calculate it, and why it matters for financial growth.

December 31st, 2025

How to Improve Your Credit Score in Canada: Simple Steps That Actually Work

Your credit score affects loans, rent, and interest rates. Learn how Canadians can improve their credit score using simple, proven strategies.

December 30th, 2025

How Much Should You Spend on Rent in Canada? A Simple Rule That Actually Works

Rent is one of the biggest expenses Canadians face. Learn a realistic way to determine how much rent you can afford without financial stress.

December 27th, 2025

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

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

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?

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

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 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 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