Money Detective

***SBS Mission***
Companies count on us getting used to small price increases.
Internet, phone, insurance, memberships and other services can creep up a few dollars at a time and we often just keep paying them.
Money Detective Tip: When a regular bill increases, don’t automatically accept the new price. Check your plan, compare your options and ask if there’s a better rate available.
One phone call could save you money month after month.
Nikki O'Halloran your Money Detective
Finding the money that's already within your reach.

***SBS Mission***
A few dollars here. A few dollars there. It might not seem like much until you add it up over a year.
Bank fees, credit card fees, service charges, delivery fees and other recurring costs can quietly eat into your money.
Money Detective Tip: Take a look at the fees you've paid over the last few months. Are they necessary? Could they be reduced, avoided or eliminated?
You work hard for your money. Don't give it away $5 at a time.
Nikki O'Halloran your Money Detective
Finding the money that's already within your reach.

***SBS Mission***
Automatic renewals are convenient, until you realize you're paying for something you no longer need, or at a price you wouldn't agree to today.
Before an insurance policy, membership, subscription or service renews, take a few minutes to check: Is the price going up?
Do you still use it?
Could you negotiate a better rate?
Is there a better option available?
**Money Detective Tip:** Don't let convenience make financial decisions for you.
A quick check before renewal could keep more money in your pocket.
Nikki O'Halloran your Money Detective
*Finding the money that's already within your reach.*

***SBS Mission***
Points and rewards can be great, but only if you're getting real value from them.

Take a look at the programs you use. Are you earning points strategically? Do they expire? Are there bonus offers you're missing? And are you redeeming them in a way that gives you good value?

Make your points work for you, not the other way around. A few small changes in how you earn and redeem rewards can add up.
Finding the money that's already within your reach!

Nikki O'Halloran your Money Detective.

***SBS Mission***
Paying your bills on time is important, but when you pay them can matter too.
Understanding statement dates, due dates and your own cash flow can help you make smarter use of the money you already have.
Money Detective Tip: Before automatically paying a bill as soon as it arrives, know when it's actually due and plan accordingly.
Sometimes smarter money management is all in the timing.
Nikki O'Halloran your Money Detective

***SBS Mission***
Life changes and sometimes the credits, benefits and programs you qualify for change too.
A change in income, age, health or family situation could mean you're eligible for something you weren't before.
Money Detective Tip: Don't assume that because you didn't qualify before, you don't qualify now.
It pays to take another look!
Nikki O'Halloran your Money Detective
Finding the money that's already within your reach!

***SBS Mission***
It's easy to focus on the big expenses, but sometimes it's the little things that quietly chip away at your budget.
This week's Money Detective tip:
Take 10 minutes to look through your bank or credit card statement and ask yourself:
Am I paying for subscriptions I no longer use?
Am I paying for the same service twice?
Are there small recurring charges I forgot about?
Finding just one unnecessary monthly expense could save you money year after year.
Sometimes, improving your finances isn't about earning more, it's about making the most of what you already have.
N️ikki O'Halloran your Money Detective
Finding the money that's already within your reach.

***SBS Mission***
Money isn’t always lost in big expenses, sometimes it’s hiding in the small details.
As your personal Money Detective, I help uncover opportunities to help you keep more of your money, including:
Finding credits, benefits & programs you may qualify for
Making the most of points, rewards & perks
Using payment timing strategically to improve cash flow
Catching unnecessary spending
Professional tax preparation with certified e-file software
Sometimes it’s not about earning more , it’s about making sure your money is working smarter for you!
Nikki O'Halloran your Money Detective
Finding the money that’s already within your reach!

***SBS Mission***
Did you know that many Canadians miss out on credits and benefits simply because they don't realize they're eligible or haven't updated their information?
A quick review of your situation could make a difference, not just at tax time, but throughout the year.
As The Money Detective, I help clients uncover opportunities they may not know exist, from government credits and benefits to practical ways to make their money go further.
Nikki O'Halloran - Your Money Detective.

***SBS Mission*** As Your Personal Money Detective...
I do more than prepare tax returns, I help you make smarter financial decisions all year long.
🕵️‍♀️ Professional tax preparation using certified EFILE software
🕵️‍♀️ Find credits, benefits, and disability programs you may qualify for
🕵️‍♀️ Catch unnecessary spending and uncover savings opportunities
🕵️‍♀️ Maximize points, rewards, and everyday perks
🕵️‍♀️ Learn when to pay, not just what to pay, to improve cash flow
Whether you're self-employed, a contractor, or simply want to get the most from your money, I'm here to help.
Serving Mission & surrounding area.
Remote service and document pickup available
Ready to put your money to work smarter? Send me a message!