Traditional financial literacy efforts haven’t been a rousing success. Research from Harvard Business School shows that even Americans who are taught personal finance in school don’t seem to save more or manage credit better than anyone else.

When it comes to young, first-time buyers looking to stake their claim in Toronto's hot real estate market, the popular narrative is often one of these: scrimp to buy a small, downtown condo unit, or say goodbye to life in the city and set up somewhere cheaper.

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When you put together your budget for purchasing a home, make sure you factor in an evaluation of the annual costs associated with the property. Here’s how.

That's it, here you are in active life. One year already you work and you start to tell yourself that the time you were studying, it was not so bad. But as working is not an end in itself, we go through the next steps!

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