Getting married? Moving in together? During the excitement of this big step don’t forget that how you manage your finances is as important as how you share closet space. In addition to talking about finances, you can take steps to reduce expenses and safeguard your future. Talk to Servus about getting the most out of your combined finances.

Financial solutions just for you

• Joint accounts to manage finances
• A Registered Retirement Savings Plan (RRSP) to start retirement savings
• Mortgage
• Insurance to protect your life together
• Develop an estate plan

Tips for saving money

• Saving money on food costs
• Ten strategies to develop a savings habit
• Ten strategies to reduce daily spending

Planning finances together

• Seven tips for managing money as a couple
• My finances - Six areas where I need to plan
• The Budget Book
• Establishing my contingency fund
• Build a GIC laddering strategy
• RRSPs explained
• RRSPs and TFSAs
• About spousal RRSPs
• Five RRSP tips
• Smart moves for RRSPs
• Golden rules for investment planning
• Ten common RRSP mistakes

Understanding credit and debt

• The Credit Book
• The 5 Cs of credit
• What is a credit report?
• Understanding my credit score
• What's my debt service ratio?
• Good debt versus bad debt
• What is instalment debt?
• What is revolving debt?
• Create a debt reduction strategy
• What to ask before acquiring new debt
• Understanding the two types of debt

Preparing for the unexpected

• Estate Planning Guide
• What's involved in estate planning?
• Why do I need a will?
• Creating my will
• When should I update my will?
• Personal directives - An introduction
• Power of attorney - An introduction
• Power of attorney - Choosing my attorney

Calculators

• Emergency Savings Calculator

This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.

• Life Insurance

How much life insurance do you really need? Find out here!

• Disability Insurance

Use this calculator to determine your disability insurance needs.