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Tommy: November, almost over which means that the holidays are right around the corner. That means an empty wallet, bank accounts in the red, a whole mountain of debt to ring in the new year. Doesn’t sound too festive now does it? Our next guest, personal finance Guru, founder of Maxworth.ca,

Tommy: Is your wallet feeling a little light these days? Your bank account is it painted red, maybe you’re stuck in debt and you can’t just seem to get your finances in order. Well you’ve come to the right place, whatever the case. Our next guest has you covered, Lama Farran a

Tommy: We all know what you’re supposed to do with your money, you’re supposed to save what you can, don’t spend more than you have, pay down your debt, but i t’s never of course easy. What are you do? What kind of tricks can you use to get your finances in top

Tommy: Talking to your childredn about money can be a difficult decision fo r paremys. How young is too youmjh? What is the best way to go aout doing it, doing it too early can be a waste of time, doing it too late you could leaveyour kids unprepare for the real

Tommy: Money time, talking about your money. Spring time, time for Spring Cleaning. Besides getting your house in order, also perhaps a good time to get finances in order. My next guest is here to help you spring clean your finances. Lama Farran is a personal finance expert, a certified money

Tommy: We are going to discover so much in the next 25 minutes. What is the difference between a money coach versus a financial planner. Are you financially literate? What does it mean to be financially literate? We’ll talk about that. Let’s talk about first of all, the difference

Tommy: Most homeowners know something about the home equity line of credit, while it might seem like a good idea, an easy way of getting extra cash for a remodel, unforeseen expenses, for a vacation, for a wedding all kinds of things but it will help you sink deeper into debt. And