5 Cheap End of Summer Activities to Enjoy


We know that all great summers come to an end, but the summer isn’t over just because kids are going back to school. It’s time to make the most of what’s left of summer and the good news is you can enjoy the outdoors without spending your hard-earned savings.


Here are five cheap end of summer activities:


Camping in the Backyard

If you already own the gear, backyard camping can be a cheap summer activity. You can save money and travelling time by setting up a tent in the backyard. Camping at home can be a great way to get outside, spend time away from technology and destress. You can even try building a campfire and cooking your own dinner on an open fire for a true camping experience.


Hike part of the world’s longest hiking trail

In Canada, we’re lucky to boast an abundance of beautiful natural landscapes, one of which is the Trans Canada Trail. With over 22,000 kilometers of trails, Canada’s Great Trail is the longest network of hiking trails in the world. It stretches from the coast to coast, passing many major city centers along the way.


Go to the Drive-In movie theatre

Travel back decades by visiting the drive-in movie theatre. Many drive-in movie theatres keep their vintage 1950s style, so you can take a trip through history while watching new releases. If you don’t have a drive-in theatre near you an alternative is to set up your TV in the backyard and create a family moment any kid would remember.


Have a sunset picnic

Picnics are a popular cheap summer activity in the movies, but when is the last time you had one? Pack a small snack or a portable dinner and go to your local park for a sunset picnic. Bring a board game and a lantern to continue the fun into the evening.


Plan a day trip

Day trips are a cheap summer activity because you save on the cost of hotel accommodations and multiple meals when dining out. Day Trips Canada features indoor and outdoor daytrips within driving distance of your location. It shows local activities and attractions such as museums, heritage sites, parks and city events.


The key to enjoying the nice weather is to spend as much time outdoors as you can without breaking the bank. If you’re looking for local activities, try these end-of-summer activities. The added bonus of indulging in cheap activities is you’re not spending a fortune to have fun. Always remember…a dime not spent is a dime that can be saved.


(Photo from IdPinThat)

Which Type of Life Insurance Do You Need?


Choosing the right type of life insurance isn’t always easy and it’s not always something people want to talk about. However, having an estate planning conversation with your family about what happens after you’re gone can help them be financially prepared for what’s next.


Why is life insurance so important?


Finding the right type of life insurance is important for a number of reasons. If you want to make sure final expenses are covered, your last tax bill is paid and alleviate any debt burden from your family upon your passing then purchasing life insurance may be a smart financial decision. The proceeds from a life insurance policy pass on to your beneficiaries tax free and can help relieve financial stress during their time of grief that comes with losing a loved one. 


Could you imagine losing a loved one, being consumed in grief and having to deal with trying to pay funeral costs, executing a Will, visiting a notary, trying to carry out last wishes and getting into debt because of it. I certainly couldn’t. That’s why talking about life insurance with your family is so important.


Have the talk with your loved ones


Some people don’t like to talk about finding the right type of life insurance because they feel it’s a bad omen and some people don’t buy life insurance because they don’t feel they can afford the annual premiums. Based on all the information above, my question to you is, can you honestly afford not to?


What type of life insurance do you need?


Regardless of your financial situation, most people need life insurance. However not everyone needs the same amount or the same type of coverage. That’s where the assistance of a professional comes in. Talking to a financial advisor can help find the right type of life insurance that’s best for your (and your family’s) needs.


Getting established

Whether you’re single, have a young family, trying to build your career, or managing your first mortgage, critical illness insurance or disability insurance can help protect your income.

Building a business


If you’re an entrepreneur responsible for protecting your business and your family, consider protecting your company with term life insurance (for small businesses and start-ups) or permanent life insurance (for more established companies).

Approaching retirement


Getting ready to transition out of the workforce in the next few years? You may want to prepare to leave a legacy with permanent life insurance, and protect your retirement lifestyle with long-term care insurance.


If you want to learn more about the different types of life insurance contact me today to find the coverage that fits your needs.


(Photo from I'd Pin That)


Why Mental Health Matters for Your Money


Did you know that 1 in 5 people face mental health issues during their lifetime? That means the odds of you, a family member or someone you know being affected by mental health are high. Issues related to mental health can come in a variety of forms such as anxiety and depression and they don’t only affect a person’s sleep, daily functionality and relationship – they also affect your money.

The cost of struggling with mental illness

According to Manulife, 44% of long-term disability claims made by employees are mental health related. But while getting help can come with a steep price tag, providing vital care for those who need it is worth its cost in spades.

Untreated depression can cause a variety of long-term health complications from chronic illnesses such as heart disease and pain perception to trouble sleeping. The cost to treat long-term illnesses, without health insurance, can quickly add up – and become another source of stress and depression.

Symptoms of anxiety include unease and a change in personality traits such as compulsive behavior or panic attacks. Compulsive behavior can lead to impulse purchases and binge-spending. When someone feels out of control internally, it can easily crossover to external actions.

How can you help someone affected by mental health?

The best way to help someone who is suffering is to be open to the conversation. Unfortunately, even though mental health affects a lot of Canadians, there is still a stigma relating to the condition.  For that reason, some people are reluctant to talk their feelings and express what they’re going through. However, if you’re unable to talk about the causes of stress, anxiety and depression, how will you get the professional help you need to get better?

The first step is to encourage your friend or family member to seek professional treatment. According to Depression Hurts “the goal of any treatment is to help you feel more like yourself again so that you are able to enjoy the things you used to. To do so means finding the right treatment to address and alleviate all of your symptoms. Also, the goal of treatment goes beyond just getting better it is about staying better.”

Your employer can help too

Offering extended mental health benefits is one way that employers can encourage employees to seek help. Employers can also partner with leading mental health organizations to keep employees informed about the causes, effects and symptoms of mental health issues. This will help spot the signs from onset and detection can enhance treatment options.

If you believe in positive mental health, review your health insurance policy to see if you and your loved ones are covered. This is the first step in improving your quality of life – physically, mentally and financially. If you have questions about health, critical illness or long-term disability insurance, please contact me anytime, I’m happy to help.





Helping your kids increase their financial literacy

Published by Christie Coltman on Apr 11, 2017

“Since I graduated from high school, not one person has asked me to find the value of X.” We hear this comment all the time, and it’s generally meant as a joke, but it echoes what many think about our... Continue reading