Refresh Financial Official Blog

5 Reasons Why Strata Fees Aren’t So Bad

  With the prices of houses in Canada as high as they are, many Canadians are considering purchasing townhomes or condos that come with strata fees. At first glance, most of us will roll our eyes and groan, “I don’t want to deal with strata”. They mean monthly fees and nosey neighbors, right? Sure. In some […]...more

Strategies To Weather The Rising Cost Of Living In Canada

Canada is one of the most desirable places to live, but it comes with a hefty price tag. Depending on your location, the cost of living can seem astronomical, and it’s only getting worse. As middle-class Canadians, how can we sustain our lifestyle and what are strategies to weather the rising cost of living in […]...more

Which Loans Should I Pay Off First?

  If you are trying to pay off the money you owe but you’re unsure of where to start, you’re in the same boat as many Canadians. It can be hard to decide which one to focus on. Some people will say that you should pay off your biggest loan first while others say your […]...more

New Job? Tips & Tricks For Maintaining That Income Stream

  So you’ve landed a brand new job? Congratulations! You’ve just made a great step towards financial security. The first few weeks of employment will establish what sort of employee you will be. If you want your employer to feel that you’re an asset to the company and that they’ve made the right decision in […]...more

10 Skills That Are Making People Money On YouTube

One of the best ways to reduce debt is to increase your income and the internet can been a great source of extra income. Whether you’re selling your favorite wares, offering webinars or you’ve launched a new channel on YouTube, the possibilities are endless. YouTube alone has hundreds of thousands of creators that are finding […]...more

Netflix Hiking Rates: Is It Still A Good Deal?

Netflix recently announced that it will be raising costs in Canada and it begs the question… As we see Netflix hiking rates: is it still a good deal? The quick answer? Yes!   Let’s take a closer look at recent television trends to see why streaming services are the way to go.   The Costs […]...more

Credit Card vs. Line of Credit: What’s The Difference?

Ever asked yourself, credit card vs. line of credit? If so, you’re on a great track at understanding these two different credit products. At face value, these two credit products can be tough to differentiate. They’re both classified as ‘revolving credit’ (which means as your available funds are freed up as you pay back your […]...more

8 Expenses You Need To Be Cutting Out Now

Steer clear from credit trouble by cutting out these costs Overcoming debt can seem nearly impossible, and when your credit score is in the gutter, it can be hard to know where to start. One simple way that you can start being proactive is cutting the fat and getting rid of any unnecessary expenses. There […]...more

With Tap & Apple Pay, Could Cash Become Obsolete?

  Many Canadians have tap enabled debit and credit cards. Some of you probably make use of Apple Pay or Android Pay with your smartwatches and smartphones. Slowly but surely, cash is being used less and less frequently. What does this mean for us as consumers and what new risks do we face because of […]...more

9 Bad Credit Card Habits That Stall Credit Recovery

Getting yourself a credit card always seems to feel a little bittersweet. There’s always that threat of growing debt looming over your head....more

Your Winter Road Trip Checklist

With your trunk full of gifts, you’ll head through mountains and along stretch after stretch of icy highways....more

A Dozen Ways To Cook With Pumpkin

It seems this time of year, everywhere you look are pumpkins....more

5 Tips To Save Money Playing Hockey

A lot of moms across Canada secretly hope their kids will be into soccer instead of hockey. ...more

10 Pinterest Hacks For A More Organized Life

A cluttered life makes your to-do list feel endless and can lead to feeling discouraged about getting the truly important stuff done....more

How To Make Difficult Decisions

As adults, we all have to face difficult decisions. Sometimes, it feels like they never really end. Once you face one, another presents itself....more

12 Stress Reduction Tips That Never Fail

If you’re like me, stress manifests itself in my life in ways that only create more stress. It’s a sort of snowball effect....more

The Perks of Pet Ownership

Those little furballs with paws add an extra expense, and multiple chores to your to do list, so is it really a good idea to adopt a pet?...more

20 Facts About Canada That Should Surprise You

In a country so vast as our own, you might expect that some weird things might happen here and there. If you did expect this...more

10 Alberta Day-Hikes You Have To Check Out This Summer

Alberta boasts some of the most breathtaking natural settings in all of Canada, so it’s no wonder people enjoy a good hike in this...more

The Black Magic Cult Of Vancouver Island

On the Island, Brother XII wrote several books and established a colony called Cedar-By-The-Sea and began to develop a...more

3 Killer Salads That Will Survive a Picnic

Summer is salad time, but if you’re like me at all, you have trouble finding tasty, unique salads that last. And what picnic is complete...more

12 of the Strangest Festivals in Canada

When you think festival, you usually think a stage with some folk or rock music, perhaps a few food trucks, and maybe a bouncy...more

Canadians: A World Of Prizes Awaits You

Canadians: a world of prizes awaits you. There’s a subculture on the internet that perhaps you’re aware of, but probably not....more

10 Can’t-Miss B.C. Trails That Take Under A Day

Do you love hiking but find all the best trails take too long? You’ll be happy to know, that there are plenty of day trails all across BC....more

Challenge: Can You Name This Canadian Company?

Let’s start the week off this week with some trivia, shall we? This one is going to be a tough one. Got your thinking caps on?...more

15 Inventions You Never Knew Were Canadian

Quick, off the top of your head, name five Canadian inventions! Surprisingly, most people asked can’t think of more than three...more

Origins of The Names Of Canadian Provinces and Territories

British Columbia, Nova Scotia, Manitoba… the names of Canadian provinces are all so different from each other, it seems. Where...more

Bathtub Races Are A Canadian Thing, Too!

Bathtub races are a Canadian thing, too! When you think of Canada, you think of strange quirks, different foods and odd sports… like...more

The Thieves Who Preyed On Our Hockey Heroes

The thieves who preyed on our hockey heroes. As Canadians, we love our hockey. We idolize our favourite players and they are among...more

The Ultimate Canada Day Playlist

Canadian music rocks and I’ve got the list to prove it....more

Unique Canada Day Celebrations Across Canada

Unique Canada Day celebrations across Canada: there’s the annual Steveston Salmon Festival, where salmon is the guest of honour....more

The History of Canada Day

The history of Canada Day: it seems we have always loved our pyrotechnics, our flowing ale, and our good old Canadian tunes....more

An Adirondack Chair By Any Other Name…

An Adirondack Chair By Any Other Name: They’re sturdy. They can withstand the elements. Their slanted backs are comfortable...more

Refresh Canadiana: The Unbelievable Tale Of The Flying Bandit

Refresh Canadiana: The Unbelievable Tale Of The Flying Bandit. Less than a week before...more

Must-Haves For Your Carry-On

You’ve packed a carry-on, I’ve packed a carry-on, she’s packed a carry-on… But what are must-haves for your carry-on?...more

The Case For Travelling Solo

The case for travelling solo: is there an upside to travelling alone? Can you get more out of your travels if you go it solo?...more

6 Guerilla Travel Tips That Work In 2016

My brother gave me a book years ago, and In it were some of the best travel tips. In that spirit, here are six guerilla travel tips for the 2016 traveller....more

The Case For Leaving The Kids At Home

The case for leaving the kids at home. As parents, we devote most of our time to our kids, don’t we? Should our vacations really be devoted to them too?...more

The 5 Best Kid Friendly Destinations in Canada

If you’re a parent, you know how difficult it is to find places that cater to your kids AND you. So here are the 5 best kid friendly destinations in Canada....more

10 Hilarious Tourism Ads

10 hilarious tourism ads. I love the internet. Not just for its vast expanse of information, but also because it never lets you forget anything....more

How To Find Hiking Trails Near You

Hiking! It’s the third most popular pastime for us Canadians (after hockey and apologizing). So we’ve created a guide on how to find hiking trails near you....more

A Step By Step Guide To Being A Tourist In Your Own Home Town

So, you’ve chosen a staycation this year. Now what? How do you fill your time? ...more

10 Reasons You Should Consider A Staycation This Year

Yesterday, we gave you the scoop on some of our fave celebs who love a staycation. Today, we have 10 reasons you should consider a staycation this year....more

6 Celebs Who Chose A Staycation

Photo: Wiki Commons If you don’t know what a staycation is, you can probably guess. The dictionary defines it as a vacation that is spent either in your home country rather than heading out of state, or a vacation spent specifically in your home. We all love vacations, but you have to admit, that sounds […]...more

The Top Five Vacation Destinations In Canada

We’re lucky we live in the most beautiful place on Earth, aren’t we? Today we have the top five vacation destinations in Canada for you!...more

The 5 Most Popular Vacation Destinations For Canadians

We Canadians do love to travel, but do you know where we travel the most?Here are the top five most popular travel destinations for Canadians....more

The Royal Family: Drain or Gain? You Might Be Surprised

The royal family: drain or gain? You might be surprised. So, what does the royal family actually cost the average person?...more

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