Top 10 Consulting tips

This personal finance tip — supposedly coined by George S. Clason, author of The Richest Man In Babylon — is another common one that can have a huge impact on your finances. When you pay yourself first, you're investing in your financial future; you're investing in future you, and future you will thank present you for doing so. So, why not just pay yourself at the end of the month? That's a lot easier, right? Well, the reason why paying yourself first works so well is that once that money is sent to a savings account, you're a lot less likely to spend it. If you wait until the end of the month to pay yourself, you might not have any money left! Future you will be very sad with no money. Make future you happy by investing in yourself! PS. The best way to pay yourself first is to do it automatically. Set up an auto-deposit with WealthSimple and you'll never have to think about saving money again – it will just happen.

If you want to accomplish financial goals, you need to figure out what goals are important to you first. Having a clear goal can keep you motivated and help you come up with a plan to reach that goal even faster. Now, don't think that you need to set outrageous goals. If this is your first time thinking about personal financial goals, start off small and work your way up from there. I'd suggest coming up with a few different goals in each of these categories:

• What you want to achieve in the next 3-months
• In the next year
• In the next five years This way you'll have some short-term goals to look forward too, and some long-term goals to work towards as well. Your short-term goals may even be small stepping stones towards your bigger goals. Here are some examples of good financial goals:
• Save $1,000
• Buy a house
• Start investing So, remember to set long-term and short-term goals, and keep track of them too! Write them down somewhere and set a day each month to track your progress.

A credit card is a useful tool in your finance toolkit, but it's not free money. When you purchase something with your credit card, you are borrowing money from the bank. If you don't give that money back in time, the bank is going to start charging interest on your balance. This debt can build up and become a monster if you don't pay off your balance every month. However, if you use a credit card responsibly and pay off the balance every month, it's a good way to start building credit. Most credit cards also have other benefits such as rewards points, cash back, or travel points. So, should you have a credit card? Well, it depends. If you're capable of paying off the balance in full every month, then you should have no problem managing a credit card and staying out of debt. PS: If you are going to use a credit card, you should monitor your credit score & credit report regularly with a free tool like Credit Sesame (or Borrowell if you're in Canada). One last tip: Treat your credit card like a debit card. Pay it off in full every day if you have to. I try to pay off my balance every couple of weeks so that I don't forget. I also use Trim to remind me when payment is due. If you want to take it further, use a prepaid reloadable card instead of a credit card. These cards work just like debit cards, but they have the perks of credit cards. For example, read my Koho Review – Koho is a prepaid card with cashback, budgeting, savings goals, and more. Note that prepaid reloadable cards won't help you build credit though.

iCloud Private Relay is one of our favorite new additions to iCloud service. Private Relay hides your IP address and Safari browsing activity from network providers and websites so that no one — including Apple can see who you are or what sites you are visiting. It shields your web traffic from prying eyes and spammers. Private Relay hides data from both the ISP and advertisers that aim to build your online profile. iCloud Private Rely is only available for paid iCloud users. You can enable the toggle from the Settings > iCloud > Private Relay menu.