The No.1 bad habit in this country is spending money we don't have, according to the latest observations of financial experts.

Numerous reports show that household debt has reached record levels in Canada. Caused by a number of debt instruments, credit card balances are part of this equation. Often credit card debt is something people push aside, assuming it'll work itself out – eventually. But this avoidance soon impacts the rest of their lives. For example, if your average monthly...

In 2014, the government of Ontario completed its five year implementation of full-day kindergarten (FDK) for all four and five-year-olds. Whereas other classrooms generally have one professional leading the class – a teacher – FDK classrooms are staffed with a teaching team of two professionals – one teacher and one registered early childhood educator (RECE).

This model was chosen because of the complementary skills brought to the classroom by each professional. Together, the...