Tandia Talks Money

If you’re a millennial, you probably remember sitting through school lessons that promised to prepare you for “the real world” — but somehow, managing money didn’t make the syllabus. In this episode of  Tandia Talks Money , we’re diving into the financial lessons we never got, and how we can catch up now.   We’ll talk about everything from credit scores and student loans to the side hustle grind a...

Owning a home is often seen as the ultimate milestone, but let’s face it: it comes with more costs than just the down payment. In this episode, we’re pulling back the curtain on the hidden expenses of homeownership in Canada and breaking down what you need to know to avoid surprises down the road.   We’ll talk about everything from down payments and mortgage payments to property taxes and home ins...

In this episode of Tandia Talks Money, we’re giving you the pep talk you need to take charge of your financial life. No need to wait for a “financial expert” to swoop in — you have the power to create the financial future you want, right now.   We’ll walk through the top 10 tasks that will set you on the path to financial freedom, confidence, and the peace of mind that comes with knowing you’re in...

Welcome to  Tandia Talks Money ! In this episode, we’re talking about the real-world financial stress Canadians are facing — from rising interest rates to the uncertainty of the economy. But don’t worry, I’ve got you covered with simple, actionable steps to help you take control of your money and reduce stress.   We’ll break down the current economic situation and share practical tips like micro-b...

Kids pick up money habits early—and most of what they learn comes from what they see at home. In this episode, we talk about how to make everyday money moments more meaningful, how to explain needs vs. wants in a way that makes sense, and why setting simple goals can help kids feel more in control of their spending.   We’ll also walk through how Tandia can support you with tools and advice that ma...

Debt happens—but staying stuck in it doesn’t have to be your story. In this episode, we unpack the emotional and financial traps of the debt cycle, why it's so hard to escape, and how you can take real steps toward freedom (without giving up your daily coffee or joy). From budgeting for your  real life  to understanding avalanche vs. snowball methods, this is your no-shame, all-strategy guide to t...

Summer’s here, and with it comes the pressure to say yes to every invite. But how do you balance mental health, friendships, and financial boundaries without feeling left out? In this episode, we’re talking about the emotional side of money—why adult friendships get complicated, how spending can spiral, and why  loud budgeting  might be the freedom you didn’t know you needed. We break down how to...

Mother’s Day just passed, and while we loved the sweet cards and breakfast in bed (burnt toast and all), there’s something we don’t talk about enough—our relationship with money. In this episode, we’re getting honest about what it’s really like to manage money as a mom. From the lessons we absorbed as kids to the juggling act we pull off every day—this one’s for the moms doing their best with what...

In this episode of  Tandia Talks Money , Carla gets real about the financial truths no one tells you — the stuff that hits harder than generic advice ever could. We’re diving into the behind-the-scenes of home ownership, lifestyle inflation, career decisions, family planning, and what building real wealth  actually  looks like. Forget cutting lattes or chasing crypto gains. This one’s for anyone d...

Ever feel like the second you start dealing with money — especially mortgages or home upgrades — life throws  everything  at you all at once? Same. In this episode, we talk about that chaotic energy that kicks in when you're trying to make big financial moves, and suddenly your phone breaks, deadlines pile up, and you’re stuck trying to figure it all out on the fly. This conversation was inspired...

Mortgage Season 2025 is upon us, and it’s anything but ordinary. Rates are high, the market’s unpredictable, and a lot of us are wondering what the next move is. In this episode, we’re chatting about what’s going on in the housing market and what you need to know to make confident decisions—no matter where you’re at. Tune in for some key insights, a few tips, and maybe even some clarity. For more...

We can’t control inflation, global markets, or supply chain issues. But what  can  we control? Where we shop, what we buy, and where we bank. Canadians are making more conscious choices to support local businesses, buy Canadian-made products, and keep their money where it matters. In this episode, we explore: How small choices—like buying local—create big economic impacts Why credit unions keep mo...

Scammers are getting smarter, and package delivery scams are on the rise. With online shopping now part of everyday life, fraudsters are exploiting our routines—sending fake tracking notices, phishing for personal info, and preying on urgency. In this episode, we’ll break down: How package scams work & why they’re so effective Why fraud has skyrocketed in the last decade Simple ways to stay aw...

Scammers are getting smarter—and more manipulative. Imagine getting a call from a loved one in distress, begging for help. Your instincts tell you to act fast, but what if it’s not really them? This episode dives into the world of grandparent scams, a deceptive trick designed to prey on emotions and urgency. We’ll cover: How fraudsters make their scams sound so convincing The red flags to watch fo...

Scammers are getting high tech with deepfakes—those AI-generated videos and audio that look and sound like the real deal. Whether it’s a fake emergency call from a loved one or a phony business request from your boss, these scams are designed to catch you off guard. We’ll break down how deepfake scams work, share tips on how to spot the red flags, and show you how to stay one step ahead of the bad...

Fraud is everywhere—like glitter after a craft project. It sticks, spreads, and is nearly impossible to clean up. But don’t worry, we’ve got your back. In this episode of  Tandia Talks Money , we’re exposing the sneaky tricks scammers use and how you can shut them down before they even start. From phishing emails to too-good-to-be-true investment schemes, we’ll help you stay sharp, skeptical, and...

In today’s episode, we’re talking about debt – yep, that sneaky cycle that’s all too easy to get stuck in. Whether it’s the rising costs of everything or just feeling like you're barely keeping up, you’re not alone. So many Canadians are in the same boat, but here’s the thing:  debt doesn’t define you , and you can totally break free. We’ll chat about how to recognize when you're stuck in the “deb...

The world may feel like it’s constantly changing, but your financial future is still in your hands. In this episode, Carla breaks down how to take control in a world of uncertainty, using the 5-Second Rule to make quick, confident decisions—even when the headlines are overwhelming. From tackling inflation to finding balance in your spending, we explore practical, no-nonsense tips for navigating th...

Welcome back to  Tandia Talks Money , where we make finances fun and easy to understand! In today’s episode, your trusty money guide,  Carla , breaks down one of the least exciting but most impactful topics:  tariffs . Sure, it sounds like something straight out of a political debate, but tariffs affect your wallet more than you might think. Whether you're in Canada or the U.S., tariffs are impact...

In this episode of  Tandia Talks Money , Carla, explains how RRSPs and TFSAs can be your financial BFFs. These accounts might sound fancy, but they’re really just smart, tax-friendly places to stash your money. Whether you’re saving for retirement or a vacation, getting started now means future-you will be thanking you—probably from a beach. We cover: Why January and February are perfect for getti...

Ah, the sweet nostalgia of rotary phones—each digit clicking away as you patiently dialled, only to misdial and start all over again. Sound familiar? Managing your finances can feel a lot like that. But here’s the thing: just like dialling a landline, it’s all about slowing down and taking things one step at a time. In this episode, we’re talking about: How financial stress can mess with your ment...

New year, same  you —and that’s more than enough.  This episode is all about striking the perfect balance between enjoying life’s little splurges (because, yes, you deserve them) and keeping your budget intact. We’re breaking down: Why January doesn’t need a “new you.” How to treat yourself  without  wrecking your wallet. The magic of a guilt-free splurge budget. It’s not about reinventing the whe...

The holiday season is fast approaching, and the pressure of last-minute shopping and gift-giving can be overwhelming. In this episode, we share a simple, one-week plan to help you tackle the holidays without stress. From thoughtful gift ideas to staying on budget, we provide tips for finding the perfect presents, managing your finances, and even getting a head start on next year’s holiday prep. We...

'Tis the season of twinkling lights, holiday cheer—and sneaky scammers trying to steal your joy (and your money). This episode covers the top fraud schemes to watch out for this festive season, from fake online shops to phishing emails disguised as delivery notices. Whether it’s spotting a phantom sale or shutting down a fake charity plea, we’re here to help you stay one step ahead of the Grinches...

This week on  Tandia Talks Money , we dive into the timeless debate: Can money really buy happiness? With holiday spending in full swing, we break down how thoughtful financial choices—like investing in experiences, giving back, and planning ahead—can bring more joy and less stress to your life.   Takeaways: Spend on what truly matters. Build a "joy fund" for guilt-free fun. Rethink holiday shoppi...