Why should I review my budget before the end of the year?

Because your income and expenses can change from year to year. Updating your budget helps you plan better and avoid debt.

Is it useful to check my subscriptions even if they seem minimal?

Yes. Several small, underused subscriptions can amount to tens of dollars per month. Canceling them can free up a significant amount.

When is the best time to use my reward points?

Before the end of the year, especially if your points are expiring or if promotional offers are available. This can maximize their value.

Is it worth renegotiating my insurance every year?

Yes. Your needs and insurers' offers evolve. Renegotiating or comparing can save you money.

Vincent Morin

Vincent achieved financial independence and took early retirement (FIRE) at the age of 35. After a career in financial technology with a major American investment bank, he founded Retraite101, a personal finance website that reaches over 350,000 unique visitors annually and has more than 40,000 social media followers. Passionate about finance, reading, cycling, hiking, and travel, he continues to write for several Quebec media outlets to inspire and motivate those who want to take control of their finances.

All posts by Vincent Morin