Looking for an easy online budgeting app?

Looking for that easy online Budgeting app that could help out?

Can't seem to understand where the money is going? The more you make the more you spend?
I know that feeling. Well we have a few answers for you that are easy to use, to either track your spending or budget your spending habits.

Look no further there are a few options:

1. Manilla app
2. Buxfer app
3. Personal capital app
4. Budget Pulse app
5. Pear Budget app
6. Billster app
7. Mint app 

Or excel always works if you are a wiz at spreadsheets and following them.
I vote for Mint - can set up your personal accounts. If your bank doesn't show up on it, try one of the other apps mentioned. This is one step in getting ahead of the game with your stuff!
Have fun- with some options and getting organized!
Step 2: now that you have that organized, check out our system to ensure everything is all in one place in case something happens to you. What would your family members, or friends do if you were in the hospital for a while and you can't tell them what to do, what about the kids, what do the dogs do, what do they eat, etc.
Oh I forgot! Nothing is going to happen!
Well think again, something will. Either sickness, accident, theft, fire, injury, or even a disease, or trip abroad.
Check out: www.yourbackupplan.ca

How many different types of stealing your Identity are there?

Identity Theft comes in all shapes and forms. Did you know it's the biggest growing crime in North America?
Some tips for you on how to help you secure your identity.

There are many types of Identity Theft and fraud.
1- Credit card a rapidly growing dilemma
2- Medical fraud also on the increase
3- Phone and utilities fraud
4- Bank fraud
5- Employment fraud
6- Government documents
7- Government benefits fraud
8- Loan fraud
9- Real estate fraud
Now are you worried?
Here are a few simple tips to help you secure your Identity.

1. Banking information: eliminate your name + address + postal code + phone number on your cheques
2. Only put on your name on the cheques
3. Medical Fraud is eliminated by having your medical card with a picture on it and only a medical card. If you are asked to put your driver's license together with your medical card say no please.
4. Social insurance card - do not carry around in you wallet. Only keep it in a safe with your passport
5. Medcial card number- don't give away your children's medical card number on sport's registration forms. Not needed. 
6. Ensure you get outside of BC or any province or state- medical coverage. Your own coverage for the time that your family or child is away from the area playing in a tournament or competition
7. Legal protection from Kroll Services. The best world-wide service that you can purchase on a monthly basis to keep you safe from all identity and fraud forms. Contact us how to get the protection today.

We will continue with part 2 of this very detailed discussion on Identity Theft and Fraud. Be careful, they are always one step ahead of us with technology!
tina@protectfamilymatters.com
778-867-3582
www.protectfamilymatters.com

Going through a divorce or thinking of it???

Thinking of Divorce?  I don't know but there is so much to do now that you have decided to move on!

The emotional turmoil of making that jump ahead! Is it worth it? Where do you start?

What about the kids? It's not something you should take lightly, to throw in the towel, so to speak.

What can be done the most inexpensive way? It can cost thousands of dollars that could be done under $2,500 with a little planning ahead of time.

1- Try marriage therapy

2- Try to separate into separate living arrangements and give it 2 months to see if you can work things out while not under the same roof. Some happy growth time for both.

3- Get yourself a Mediator that can help discuss the decisions that need to be made

4- Legal advice to know what your rights are~ is a start.  Pay a retainer + pay $300-$400 per hour. 

You don't have to pay a lawyer for that! What! Yes, you can have legal protection so that you can call a lawyer anytime that things get hot and heavy or that you want to know what your rights are. Doesn't that sound like the perfect world? Get the Legal team on your side and get the protection you deserve!

5- Separate the assets on paper so that you have some idea of what kind of inventory that you have that needs to be dispersed.

6- Total up the Liabilities, credit cards, loans, mortgages, etc. so those also can be split equally

Knowledge is power! when you know what your family unit has both financially and emotionally you can get answers and demand solutions

7-Now what about the kids? Can you come to terms that you can agree on that is amicable for both of you? Or does this need to be discussed with your Lawyer and then perhaps put on the table when both of you are at the Mediator's office?

8- Know your Rights! I can't say that enough so that when you go in for mediation you are well planned, with children's information, assets, and liabilities for the family. Ask a lawyer.

9-Take time with the kids to arrange the least amount of upheaval and argument surrounding what's best for the children. You can't fight against someone when you don't know what your rights are. Go in with empowerment and decisions.

10- Get your legal protection today to save you dollars and time.You don't need the extra stress. Life is tough enough!

Available in 49 states + 4 provinces in Canada!

Looking for some help, Contact us today and we will guide you.

tina@protectfamilymatters.com

778-867-3582