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Managing your money

Budgeting and debt management are the cornerstones of a successful financial plan.

The crucial role managing your money
plays in your financial plan

Budgeting and debt management are the foundation of any successful financial plan. They help you to reduce risk and minimize debt costs, and they open up more financial planning opportunities. They also ensure that you have sufficient cash to easily cover daily expenses and cope with emergencies. IG Advisors have strategies to help you get there.

About budgeting and debt
management

Managing your money successfully starts with making a budget and managing debt. Find out how to develop and stick to a budget that’s tailored to your unique situation, and discover strategies for reducing your debt and lowering your interest payments.
 

Money management strategies 

 

How your IG Advisor helps you optimize your finances

  • Works with you to build an emergency fund.
  • Helps you establish a realistic budget you can stick to.
  • Provides strategies for reducing debt.
  • Helps you allocate surplus cash to meet various goals.
  • Suggests various tailored strategies to optimize your cash flow. 
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How money management is integrated into your Living Plan

Cash flows are allocated to specific goals within your Living Plan, such as retirement planning, risk management, investments and estate planning. The Living Plan identifies opportunities for optimizing surplus cash and aligns them with your recommended financial planning strategies. 

Go to IG Living Plan

Take advantage of the IG Home Equity Plan

IG’s Home Equity Plan allows you to access some of your home’s equity with an easy-to-use home equity line of credit (HELOC) that you can draw from whenever you need it.

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Financial calculators

These valuable tools provide you with a better understanding of how to reduce debt and improve your personal cash flow.

Debt consolidation calculator

Find out how much you can reduce your monthly payments and your annual interest costs by consolidating your debt.
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TFSA calculator

Discover how much you can contribute to your Tax-Free Savings Account this year, based on your age and contributions.
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Income tax calculator

Estimate your income tax owing to get a better idea of your net income, so your budget plan is more accurate.
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Money management insights

Tax refunds: why it’s better not to get one

Find out how more efficient tax planning can improve your money management and boost your financial plan.

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What is income splitting? And how can it reduce your tax?

Discover income-splitting strategies that can reduce your taxes, increase your income and enhance your money management.

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Speak to an advisor

Connect with an IG Advisor to uncover your personal financial goals, and how you can achieve them.

Written and published by IG Wealth Management as a general source of information only. Not intended as a solicitation to buy or sell specific investments, or to provide tax, legal or investment advice. Seek advice on your specific circumstances from an IG Wealth Management Advisor