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Owning a home is a great thing. It puts a roof over your head, protects your family and gives you roots in a community. It’s also a good financial move. A house is a terrific asset to own, and tends to hold its value over time. So the money you put into a house is not money wasted.

It’s #BankingOnValues Day, a time when ethical citizens and leading change-makers around the world come together to celebrate the social, economic, and environmental good that responsible finance can generate.

Asking for a raise is one of the most difficult conversations to start.

It usually goes something like this:

“I need a raise.”

To which your boss can reply with an endless number of reasons why it’s not going to happen.

The future is coming fast where having a side hustle (or multiple income streams) may be the rule and not the exception. Salaries are becoming less predictable as companies benefit from a flexible workforce.

So you want to make some money on your savings? Great! You work hard for your money; it should work hard for you too.

It is always a good idea to try to find alternative income streams. Focusing on your paycheck is great, and making sure you get paid a fair wage for your work is super-important. But if you’re trying to maximize your earning potential, it’s always good to look further than your paycheck.

Putting the money you have to work through investing is a side hustle that you can do while you’re working hard at your regular job.

In the past decade, the culture of ‘ownership’ has shifted. Many people are rejecting the notion that you need to OWN all your own stuff. Instead they are borrowing and sharing things they used to buy and own. And if they do own stuff, they put it to work by renting it out to others.

Debt is something of a double-edged sword. On one hand, it offers you ability to buy something that would normally be out of reach financially and allow you to pay for it over time. But on the opposite side, debt comes with a cost.

You can borrow money to buy just about anything big or small. You can use a mortgage to buy a home or a credit card to buy a coffee, a home equity loan to build a deck or a student loan to get an education. There are loans available for every purpose.