While I really hope that this blog can be useful to you, it is NOT a substitute for personalized advice from a financial expert who is familiar with your specific financial situation. Always consult with a professional where appropriate.

Also, please note that some of the data or resources (such as internet address) I use may no longer be current or accurate when you read. I will do my best to update them where I can, but I do not assume any responsibility for changes or errors that they may contain.

Please note that I am NOT a licensed insurance agent or financial advisor and I will not give any advice regarding types of policies to buy or investments to make.

Posts may include links to my affiliate account at Amazon.ca and Amazon.com and Mommies & Cents earns a few cents on the dollar if readers purchase the items I recommend, so thanks for supporting my blog when you shop at Amazon!

Cheers, Kasia