Clarity Personal Finance Blog | Clarity

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The Clarity Blog
Planning, Saving, Investing

Welcome to the Clarity blog.

Here you will find easy-to-read, unbiased, lingo-free information on topics related to investing, saving, and financial planning from me, Anita Bruinsma. I have 25 years of experience living and breathing finance and founded Clarity to bring affordable and accessible personal financial advice and education to Canadians.

If you would like some personal financial planning and investing guidance or are interested in learning more about money through one-on-one conversation, check out the Services page and email me - let's talk!

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Which accounts are right for me?

Sep 13, 20235 min read

Which accounts are right for me?

So many choices for your savings Saving is boring. Putting money aside for the future detracts from our ability to spend today, and the...

Managing Our Weaknesses

Aug 25, 20234 min read

Managing Our Weaknesses

If money management feels bewildering, you're not alone.

The challenge of slowing down

Aug 3, 20233 min read

The challenge of slowing down

It’s truly feeling like classic mid-summer: sunny, hot, lazy. This time of year makes me feel carefree – or rather, that I’d like to be...

Your retirement number is wrong...and that's OK

Jul 27, 20235 min read

Your retirement number is wrong...and that's OK

Your retirement estimate is probably wrong, but is still well worth calculating.

You get what you pay for

Jul 18, 20233 min read

You get what you pay for

Online brokers with free trading have their limitations.

The Time/Money Trade-Off

Jun 23, 20234 min read

The Time/Money Trade-Off

Time and money are almost perfectly negatively correlated: more of one means less of the other.

income Taxes: Common Misconceptions

Jun 15, 20235 min read

income Taxes: Common Misconceptions

Income taxes come up a lot in conversation. Here are some common misconceptions.

When your finances don't "feel right"

Jun 8, 20234 min read

When your finances don't "feel right"

Are your finances foggy? Even if you don't know what financial advice you need, you should still seek it out.

Choosing ETFs

Jun 1, 20235 min read

Choosing ETFs

There are too many ETFs available but don't let it overwhelm you. Easily narrow down the options.

Facing the Facts

May 25, 20234 min read

Facing the Facts

A financial plan that works has to be based in reality.

Foreign Concepts

May 17, 20234 min read

Foreign Concepts

Canadians need international exposure for proper diversification.

Fund Facts

May 10, 20236 min read

Fund Facts

Differentiating between important and unimportant information makes choosing an ETF a lot easier.

No house? No problem.

May 3, 20234 min read

No house? No problem.

Owning a home isn't the only way to build wealth.

The Million Dollar Question

Apr 25, 20235 min read

The Million Dollar Question

This commonly-cited retirement figure doesn't have to be intimidating A million dollars. That’s the number that seems to come up a lot...

The Emergency Fund part 2

Apr 18, 20234 min read

The Emergency Fund part 2

An emergency fund is a foundational element of your financial plan, but it's important to plan it properly.

The Emergency Fund

Apr 12, 20235 min read

The Emergency Fund

Having an emergency fund is really important - but how much do you actually need?

When to sell

Apr 4, 20234 min read

When to sell

It's a rational question: if it isn't working, shouldn't I change it? When it comes to your investment strategy, probably not.

CPP: What you need to know

Mar 29, 20234 min read

CPP: What you need to know

Anyone who's ever worked in Canada should understanding the basics of the Canada Pension Plan.

Welcome FHSA!

Mar 21, 20236 min read

Welcome FHSA!

The new First Home Savings Account has some great features, even for those who aren't sure about buying a house.

The Ins and outs of Ethical Investing

Mar 7, 20234 min read

The Ins and outs of Ethical Investing

Ethical investing options are expanding all the time. But not all funds are created equal.

Check out my favourite quotes to inspire you!

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