Joint Accounts

From shopping for the ingredients for a delicious dinner to renting a pair of bicycles for an afternoon adventure, there are a lot of things you might be paying for together, now that you're sharing a life with that perfect person.

While it's by no means a necessity, there are certainly advantages to setting up a joint chequing account:

• You've got a common place for your shared income and expenses. Even if you elect to have only the one chequing account, it's simple to see how much money you both have available at the end of the month to transfer to your savings account.
• A joint chequing account makes paying for things a little easier. You can set up automatic withdrawals from the shared account to make paying your monthly bills effortless.
• You can still keep your own separate accounts in addition to the joint one. This will allow you to make your own purchases while taking advantage of a shared account.

If you have any questions, come in together to discuss how TD can help during this exciting time in your lives.

Credit Cards

As you and that special someone start out on this new journey together, there will be many times when you're going to need a credit card.

From your shared everyday necessities or those unplanned expenses, having a credit card can have its advantages:

• You can earn rewards just for making purchases on your credit card. Depending on the type of card, you can earn travel, vehicle and even cash rewards. So if you're planning your honeymoon or looking to take a trip for two, this may be the time to consider a travel rewards credit card.
• Your credit card could give you peace of mind with protection from the unexpected. Some credit cards offer a variety of insurance options such as car rental insurance, travel cancellation insurance, and travel medical insurance.
• You can establish credit for future financial goals. When it comes time to buying the home you've both been dreaming of, having a good credit rating is important. A credit card is a good place to start.

If you have any questions, come in together to discuss how TD can help during this exciting time in your lives.

Debt Consolidation

We all bring something unique to every relationship and sometimes that can be debt. One of the most wonderful things about finding someone to share your life with is that they are always there to help.

There are different approaches to managing debt and it is beneficial to understand what way works for each of you. Here are some things to consider when dealing with debt as a couple:

• If you are aware of your debt, the two of you can work together to get rid of it a little faster and more efficiently. Being aware of how much you owe means you have a clearer picture of your financial situation and how you can pay it off.
• Consider paying down your debt with the highest interest rate first, which could enable you to be debt-free a little sooner!

We're here to help in any way we can. Come in together to discuss how TD can help during this time in your lives.

Mortgage Advice

Now that you've found that special someone, you may be thinking about sharing your lives together in your dream home. But there are many factors to consider before you can call up the moving trucks:

• Get to know the mortgage process. From saving for your down payment to getting the new keys to your new place, there are a lot of steps in between. A Mortgage Specialist can help guide you through this process.
• Find out about your mortgage options. With so many mortgages available, it's best to get familiar with your options so that you can choose one that suits you.
• Calculate your mortgage number. When you know what you can afford, you can shop for your new home with confidence.

TD Mortgage Specialists are here to help in any way we can. Come in together to discuss how TD can help during this exciting time in your lives.