December 2019

7 Last-Minute Gifts They'll Love Teens can be a tough crowd when it comes to gift-giving. Their interests can come and go as fast as a winter storm! That's why we handpicked a selection of items any teen will love to receive this holiday season. Happy Holidays!! LG G8X ThinQ DualScreen phone As smartphones become more evolved, we have higher expectations of them. On average, we are conducting seven transitions between four different apps, every time we use our phones. This is why the LG G8X ThinQ DualScreen phone is perfect for the teen who likes to use their phone for a variety of reasons from talking and texting to video calling, playing games or even doing their homework. This phone is super cool because it comes with a removable second screen, complete with a 360-degree hinge! This empowers users to flip the screen and lock it at any angle - perfect for reviewing material while taking notes or even just watching YouTube! When flipped horizontally, gaming teens can use the left screen as a monitor while the right-hand screen turns into a controller with its LG Game Pad. The OLED screen display allows users to enjoy their favourite content with more vivid colours and greater clarity! To figure out which plan would work best for your teen, check with your local retail providers, or visit lg.ca. PS VR Blood & Truth and Everybody’s Golf VR Bundle Discover a new world of play with PlayStation VR. Its innovative design puts you inside your new favourite games, with a growing library of titles that offer immersive gameplay, seamless interaction and impressive graphics. This bundle includes a PlayStation VR Headset, PlayStation Camera, PlayStation VR Move controllers, and vouchers to redeem copies of Blood & Truth and Everybody’s Golf VR. More information can be found here. Tervis Reusable Drinkware Since 1946, Tervis has been making sustainable drinkware with a lifetime guarantee. We love this cup for a cute stocking stuffer, and if your teen is into the new show, Mandalorian, they'll be sure to dig this! Casper Weighted Blanket This weighted blanket is brand new to Casper! These are popular because not only are they super cozy but they have been proven to help reduce anxiety and stress while helping you relax! It has a micro-bead fill, which is evenly distributed but is also made with a breathable cotton cover to keep you comfortable. Dyson Supersonic Hair Dryer For the teen who takes too long

5 Ways to Cut Spending over the Holidays By Nadia Vommaro Christmas is supposed to be a time of joy, but for many parents — especially single moms and dads or families on very modest incomes — checking off even a tiny fraction of their kids’ wishlists this time of year can be stressful. Canadians are drowning in debt, spending an average of $705 on holiday shopping last year, according to a Retail Council of Canada survey. And, according to a poll by Rates.ca, nearly half of Canadians overspent on holiday purchases last year. As a single mom who was forced to become the sole provider for my young children after my separation, I can attest it isn’t easy to steer through the holiday season and come out financially whole on Jan 1. Luckily, my background as a wealth management professional provided some stability, but there are many easy, common sense strategies that anyone can implement to ease some of the burden of holiday spending: Make a plan and stick to it. It’s never too early to make a budget and expense forecast. Consider all your potential spending. Costs even outside of gifts can easily get out of control. Think of all those baked desserts and trips to the LCBO every time you plan a visit or host family and friends. Also, keep in mind the kids are home all day for two weeks. If they’re anything like mine, they can deplete your fridge down to a half-carton of eggs and bag of carrots in no time. Plus, there’s the added expenses of extra-curricular activities and travelling costs during this time of year. Make a list and check it twice. As part of your budget, make a list early in the year of everyone you have to purchase gifts for. Take advantage of great sales all year-long; grab those 80 per cent off clearance items as you stumble across them and stuff them in a closet until Christmas. Feel free to squirrel away a bit of money every month.  I know the penny jar is a relic, but you can also open up a separate holiday account and transfer a few bucks to it every month, year-round. Get creative and be a sentimental spender. Sit down and spend time making gifts with your kids to give to close family members. Online image book services are a big thing these days, but I actually made my boyfriend one for free by simply