Overwhelmed and afraid of being penalized? Where do you start when you haven't filed taxes in years? Our money expert Bruce Sellery helps you sort it out.

Help! I haven't filed my taxes in years

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<p>The Editorial Team of Chatelaine magazine.</p>

taxes

Living

Money &amp; Career

Representatives keep phoning to try to sell me balance protection insurance, saying if I lose my job, my credit rating won’t be affected. Is this worth it?

Do I need balance protection insurance on my credit cards?

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credit card

My husband and I are planning to purchase a house in the spring. Is it a smart move to borrow from our RRSP using the Home Buyers' Plan to boost our down payment?

Should I borrow RRSP using the Home Buyers' Plan?

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RRSP

MoneySense expert Bruce Sellery gives the pros and cons of outsourcing your money decisions to a financial advisor.

Do I need a financial advisor? And other personal finance tips

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personal finance

’Tis the season to blow your budget. Thankfully, MoneySense pro Bruce Sellery has a strategy to help you budget for the holidays.

How to budget for the holidays

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Bruce Sellery

Help! I haven't filed my taxes in years.

Do I need balance protection insurance in case I lose my job?

Should I use the RRSP Home Buyers' Plan?

Do I need a financial advisor?

How to budget for the holidays