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Smart Celebrations: How to Stretch Your Holiday Budget Without Sacrificing Joy

  The holiday season often brings cheer, but it can also strain wallets. With rising costs and endless temptations, keeping spending under control requires a thoughtful approach. Here are some practical strategies to help you celebrate without financial stress: Set a clear budget : Decide how much you can afford before shopping, and stick to it. Prioritize experiences over things : Shared activities like baking, movie nights, or volunteering can be more memorable than expensive gifts. Shop smart : Compare prices online, take advantage of seasonal sales, and avoid last-minute splurges. Give creatively : Handmade gifts, personalized notes, or “time vouchers” (like babysitting or cooking a meal) often mean more than store-bought items. Limit impulse buys : Make a list before hitting the stores—or browsing online—and resist adding extras. Plan ahead for next year : Start a small savings fund in January to ease the burden when the holidays roll around again. By focusing on tho...
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C$ falls to a four-week low against the US dollar as investors watch the economy's reaction to rate hikes

 


The Canadian dollar (C$) has slipped against the US dollar as investors are keeping a close eye on the economy's reaction to rate hikes. The C$ fell to a near four-week low against the US dollar, trading 0.4% lower at 1.3395 to the greenback, or 74.65 US cents. The Bank of Canada (BoC) has said that a slowdown in the domestic economy is an indication that its monetary policy is working. Money markets expect the central bank to cut its benchmark interest rate in April after holding it at a 22-year high of 5% for a third straight policy meeting in December. Canadians borrowed heavily during the pandemic to participate in a red-hot housing market. The BoC has said that the domestic economy is particularly sensitive to higher borrowing costs. 



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