The Hiver Academy blog
How the Way Our Parents Talk About Money Shapes Our Financial Habits
The way our parents talked—or didn’t talk—about money shapes how we handle finances as adults, often in ways we don’t even realize until we’re on our own.
Index Funds vs ETFs: What’s the Difference?
Index fund? ETF? We break down the differences in plain English so you can choose the one that works for you—without getting lost in the jargon.
7 Small Money Habits That Add Up Over Time
Big changes aren’t the only way to improve your finances. These seven small habits can quietly transform your money over the years.
Credit Card Myths – What You’ve Been Told (and What’s Actually True)
Think carrying a balance boosts your credit score? Or that credit cards are always bad? We break down the most common credit card myths—and what’s actually true.
Sinking Funds: Your Secret Weapon for Stress-Free Big Purchases
Stop letting big expenses catch you off guard. Learn how sinking funds can help you plan ahead, spread out costs, and pay for life’s bigger purchases without stress or debt.
Why You Need a “Fun Fund” in Your Budget
A budget that’s all work and no play is one you won’t stick to. Here’s how a Fun Fund can help you enjoy life and stay on track with your money.
The 50/30/20 Rule (and How to Make It Work for You)
If you’ve ever felt overwhelmed by budgeting, the 50/30/20 rule can make it simple. This easy framework helps you balance needs, wants, and savings—without tracking every single expense.
3 Things to do BEFORE You Start Investing
Before you start investing, make sure you’re set up for success. In this post, we cover three important steps to take first so you can invest with confidence and avoid common setbacks.
5 Common Money Mistakes
We’ve all made money mistakes — the key is learning from them. In this post, we share five common pitfalls and simple, practical ways to avoid them so you can set yourself up for long-term financial success.
How to Choose & Open a High-Interest Savings Account (HISA)
A high-interest savings account can help your money grow faster without the risk of investing. In this post, we break down what they are, what to look for when choosing one, and how to open an account in Canada or the US.
What is Investing, Really?
Investing isn’t just for Wall Street or the ultra-wealthy. It’s about putting your money into opportunities that can grow over time, whether that’s stocks, property, or even art.