The champagne is finished, the friends have left, and all you’re left with is a bit of a hangover -- and not just from the alcohol. This is when all the holiday credit card bills come in and reality hits home: I spent how much on gifts this year?

“Man cannot discover new oceans unless he has the courage to lose sight of the shore.” – Andre Gide

Here comes another year. Chances are, you’re one of the thousands of people hoping to make New Year resolutions that will enrich your life. But what can you really do to start 2016 the right way?

Once the excitement of a new romance has worn off it’s time to face the paperwork that is merging bank accounts. While it doesn’t make sense for every couple to combine finances, it can be a good choice in some cases.

Here at LowestRates.ca, we think community efforts are important. We love participating in our community, as well as encouraging readers and consumers to share with us. Our initiatives to give back, as well as the giveaways we host, allow us to connect with you and with others in the community.

The last week of December is traditionally a time to take a look back at the year that was. In that spirit, we’ve rounded up the blog posts that resonated with our readers the most.

New Year’s Eve is tomorrow, and many of us have plans to ring in another year with family and friends. Unfortunately, New Year’s Eve can be expensive, depending on what you end up doing.

The end of the year means it's time to re-evaluate everything in our lives from relationships and health to finances and careers.

Yes, it’s that time of the year again. The malls are going to be swamped and you’re going to be hearing Christmas tunes everywhere. In between stressing about shopping for gifts and trying to figure out how to get out of that party that you really don’t want to attend, chances are that the holidays will pass you by pretty quickly.

The holiday season seems more magical when you have kids. As a result, it makes sense to create an environment of fun all season long. If you can get the kids involved for the entire month of December, it makes the entire holiday season that much more fun. That's why one of my favourite holiday traditions is Elf on the Shelf.