Most people avoid their credit card statements in January because the numbers are terrifying. Financial planner Anita Bruinsma says that’s exactly why you need to open them—but not for the reason you think.

Bruinsma introduces a simple question that changes everything: “Was it worth it?” Instead of obsessing over totals, review each purchase and ask whether it delivered emotional value. That $110 dinner might have been perfect, while the $300 fancy event felt like a waste. This mindful spending approach helps you identify what actually makes you happy versus what you regret—so next time you make better choices without feeling deprived. She also breaks down how 35% of Canadians are ignoring the TFSA (a tax-free growth account), why switching banks can save you $30-40 monthly, and how hosting friends at home beats the bar every time.

Discover why engaging with your finances—even in small steps—builds confidence over time, and how accounts like RESPs offer free government money most parents never claim. You’ll learn to spend on what matters, skip what doesn’t, and actually enjoy managing money in 2026.

GUEST: Anita Bruinsma
http://clarityonyourmoney.com

Originally aired on2026-01-05