The New Year usually brings with it a fresh start, a new leaf, and a childlike promise to oneself to stick to your goals/dreams/plans. This is a very important time of the year, as it gives the person the time to reset the clock, if they have been naughty, and the time to reward themselves if they have been good.

The time leading up to and after the New Year is also a very good time to look at your finances. Do you have a budget? Are your budgets realistic? Have you revised your budget recently for any new changes?  JTR & Associates can help you with all your budgeting needs!!

By now, if you are not aware that Christmas is just around the corner, you would be considered a hermit, or someone that lives under a rock. Christmas decorations line the paths, no matter which direction you go. The jingle of the festive Christmas tunes fill the radio channels, no matter which channel you switch to.

It is that time of the year, when everyone is lodging their tax returns. For some it may have resulted in a tax bill. For others, it may be a tax refund... 

Once we have prepared a tax return for a client, and they are expecting to receive a large juicy refund, the first thing they ask us is – what should I do with this money??