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Finance 101


With all the financial advice out there, sometimes it's hard to tell what's accurate or helpful based on your needs. Every month, we offer some information on ways to help you save, spend and reach your financial goals. Take a look.

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Financial planning is easy at TD Bank.

 Say goodbye to debt

Managing your money can be challenging, but it's possible to improve your financial future – whether that means avoiding new debt or paying down old debt. Here are some simple guidelines to get your started. Track your budget with our worksheet (Excel).

 Financial Advice for New Grads

Whether you're graduating from high school or college, it's an exciting change. It's a time of planning for the future, new jobs and new places to live. Here are some tips to help you prepare for life after graduation. Track your budget with our worksheet (Excel).

 Boost your Financial IQ

Learning about key financial concepts can help you make more informed decisions and improve your bottom line. Give your financial IQ a boost with these tips and resources.

 Improve Your Financial Fitness

Even small changes can have a big impact on saving. Create a budget plan now to help reduce excess spending, pay down debt and/or accumulate savings throughout the year. Track your budget with our worksheet (Excel).

 Achieve Financial Independence

Here are some habits you can adopt now to help you achieve financial independence - whether that means making ends meet, saving for retirement or both. Track your budget with our worksheet (Excel).

 Empowering Our Kids Today and Tomorrow: The ABCs of Money Management

Here are some tips to help parents education their children about money, saving and spending.

 There's no place like home ... but should you rent or own?

Whether you're currently renting or you own your home, if you're dreaming of someplace new, this may be a good time to consider whether or not to make your move.

 It Pays to Save

You'd be surprised how quickly saving a little each month adds up - and that all it takes is a few small adjustments to your current financial behavior to do it. Here are some ways you can develop better saving habits. Track your budget with our worksheet (Excel).

 Saving for Yourself and Others

Caring for someone close to you with a disability or illness, or as they age, can be challenging - in addition to providing physical and emotional support, there's often a financial aspect of care. Here are some tips to help you manage the process.

 Enjoy a SAVE-cation - Time away without breaking the bank

Whether planning an exciting excursion, a romantic getaway or a family-friendly trip, saving money on vacation is a lot easier than it sounds - here are some tips.

 The Back-to-school Budget

Your school supply shopping probably list reads like this: clothes, shoes, backpacks – all the basics. But the school year is long, so we've got some tips to help keep your school-supply budget in check all year long.

 Save on School Supplies

Follow these tips below to make the most of your back to school spending plan and ensure your child has everything they need to start the year off right.

 Fall into savings

Organizing your financial records will help you keep better track of your money and information so it's ready whenever you need it. Plus, getting organized might even uncover some ways to save. Here are some tips to get you started. Track your budget with our worksheet (Excel).

 'Tis the season – to save

Make the most of your holiday budget. With a little planning, you can save on stress, money and unnecessary debt. Now that's something to celebrate.

 Managing Your Identity - Protecting Against Identity Theft

Identity theft occurs when someone steals your personal information and uses it to commit fraud or other crimes in your name. Here are some guidelines to help protect yourself, your good name and your good credit.

 Get Smart about Credit

How good - and bad - credit impacts your life.

 Building a Good Credit Score

Are you wondering how to establish credit that will improve your credit report? Here are some tips on how to establish and maintain good credit.

 Vacation on a shoestring

Taking a vacation is a great way to maintain balance in your busy life. We all need a little break from the daily tasks, and if you do a little research, you can uncover great getaway deals that won't blow your savings. Here are some tips to get you started.

 Charitable Holiday Giving

For many of us, December is a time of celebration. This year, consider giving the gift of time, goods or money to support those who could use a helping hand.

 Green Your Lifestyle

You can reduce your carbon footprint by making small changes - a move that's good for the environment, your health and your wallet.


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This article is based on information available in June 2013. It is for general informational purposes only. It is not intended to provide specific financial, investment, tax, legal, accounting, or other advice and should not be acted or relied upon without the advice of a professional advisor. A professional advisor will recommend action based on your personal circumstances and the most recent information available.