Bromwich+Smith

Real success isn’t just about putting debt behind you— it’s about the doors that open next.

Five years ago, Jarrod completed his consumer proposal. Three years later, he bought his first home. We are incredibly proud to have been a part of his journey back to financial stability.

Thank you for your trust, Jarrod!

Ready to start your next chapter? Learn more at : www.bromwichandsmith.com

Most families avoid money conversations because they don't know where to start.
But having a basic financial emergency plan, even a simple one, is about making sure that if something unexpected happens, your family can handle it.
A few questions to think about this month:
° If one income stopped tomorrow, what would the first 30 days look like?
° Do you have an emergency fund to fall back on? If you do, can you comfortably fall back on it?
° Does your partner know where everything is - accounts, bills, insurance?
You don't have to have all the answers. Starting the conversation is the most important step.

There's no single right age to start teaching your kids about money. But there is a right approach for every stage.
From letting a 5-year-old hand over coins at the checkout, to helping a teenager build their first real budget, the conversations you have now shape the habits they'll carry into adulthood.
Swipe through our age-by-age guide and save it for future conversations.
Send this to a parent who wants to help their kids build healthy money habits early.

The best summer memories don't need to come with a hefty price tag.
We put together a Canadian summer bucket list focused on affordable family experiences. A swim at a local lake. A farmers market where $20 goes further than you'd think. A campfire that costs nothing but a little time.
Free ideas. Zero admission fees. All worth adding to your summer plans.
Save this post and share it with someone who needs a summer plan that works for their wallet.

Every parent has heard it - "But I NEED it!". Usually in the cereal aisle or the toy section, usually at full volume.
But that moment is actually one of the best money lessons you can give your child. It just needs the right script.
Have a simple 30-second conversation that teaches kids the difference between needs and wants, while helping you have a calm and positive conversation about money.
Save this one for your next shopping trip.

Talking about money as a family doesn't have to be awkward.
In fact, a simple monthly check-in, even just 20 minutes at the kitchen table, can help change how your household thinks about spending, saving, and planning together.
Here's how to start:
° Pick a regular time. Same day each month. Treat it like any other family commitment.
° Make it visual. A whiteboard, sticky notes, or a simple worksheet is easier to understand than a complicated spreadsheet.
° Include the kids. Age-appropriate involvement builds habits early, and makes them feel like part of the solution.
° Keep it short. 20 minutes with a clear agenda.
The goal isn't perfection. It's the chance to look at where things stand for your family.
Learn more : www.bromwichandsmith.com/blog/why-setting-financial-goals-is-smart/

Summer is finally here and having fun as a family creating lasting memories doesn’t have to cost a fortune.

We want to know how your family enjoys the sunshine without breaking the bank — a hack for cheaper staycations, a secret for packing road-trip snacks, or your favourite free local activities. To celebrate the summer savings kick-off, we are giving away a $150 Visa Gift Card to help fuel your budget-friendly plans!

HOW TO ENTER:
° Like this post.
° Follow Bromwich+Smith on Facebook.
° Drop your best money-saving tip in the comments below!

🗓 Contest closes June 24, 2026. The winner will be randomly selected and announced right here on June 26, 2026. The winner will need to answer a skill-test question.

Good luck, and let the savings kick-off begin! What’s your best-kept savings secret? CONTEST RULES: No purchase necessary. Open to Canadian residents 18+. Contest runs June 10 (12 pm MST) – 24 (11:59 PM MST), 2026. One comment per person = one entry. Maximum one entry per user. Winner selected at random and announced o June 26, 2026. Prize is a $150 electronic Visa Gift Card. For full contest rules please see summersavingscontest.bromwichandsmith.com/
⚠️ This promotion is in no way sponsored, endorsed, administered by, or associated with Meta. By entering, participants release Meta of any responsibility related to this contest.

Summer camp costs have gone up, and for a lot of families, $500 + a week just isn't realistic anymore. That doesn't mean your kids have to miss out on a great summer.
We've broken down 3 alternatives that are structured, supervised, and genuinely fun — at a fraction of the cost.
Save this and pass it along to a parent who could use it.

Financial anxiety is often a silent weight in Canadian households, leading to arguments, avoidance, and a constant state of survival mode.

Recognizing that debt stress is affecting your relationship isn't a failure. It’s the first step toward a solution.

At Bromwich+Smith, our Licensed Insolvency Trustees help you clear the household friction. By providing a legal framework, we stop the pressure of collection calls and wage garnishments immediately, allowing you to move from "Us vs. The Debt" back to being a team.

Trade the daily tension for a regulated plan that protects your future and your peace of mind.

Learn how to protect your relationships from debt stress: www.bromwichandsmith.com/blog/debt-stress-and-mental-health/

Why does debt feel so paralyzing? It’s often due to two mental hurdles: confirmation bias (believing you’re beyond help) and choice overwhelm (having too many conflicting options).

These aren't personal flaws. They are natural psychological responses to stress.

At Bromwich+Smith, we help bring clarity to your situation by walking you through all your debt relief options and guiding you towards one that meets your needs. A Licensed Insolvency Trustee provides a federally regulated path to stop collection calls and reduce your debt into one manageable plan, whether that be with a consumer proposal or bankruptcy.

Read more about the psychology of debt: www.bromwichandsmith.com/blog/debt-stress-and-mental-health/