Tandia Talks Money

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 insurance. If you’re thinking...

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 control. Whether you're j...

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-budgeting, creating a “joy fu...

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 make financial learning part...

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 taking control.

 Relatab...

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 protect your peace...

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 they’ve got (and mak...

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 doing all the “right” thin...

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 by a real chat with a friend ...

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 info, visit tandia.c...

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 money in the community,...

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 aware without living ...

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 for before sending mo...

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 guys.

Pro Tip: If your...

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 scam-proof.

What’s Inside...

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 “debt loop,” why it’s so impo...

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 the ups and downs of 2025. R...

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 impacting your prices, job security...

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 getting your contributions...