Most people avoid their credit card statements in January because the numbers are terrifying. Financial planner Anita Bruinsma says that's exactly why you need to open them—but not for the reason you think.

Bruinsma introduces a simple question that changes everything: "Was it worth it?" Instead of obsessing over totals, review each purchase and ask whether it delivered emotional value. That $110 dinner might have been perfect, while the $300 fancy event felt like a waste. This mindful spending approach helps you identify what actually makes you happy versus what you regret—so next time you make better choices without feeling deprived. She also breaks down how 35% of Canadians are ignoring the TFSA (a tax-free growth account), why switching banks can save you $30-40 monthly, and how hosting friends at home beats the bar every time.

Discover why engaging with your finances—even in small steps—builds confidence over time, and how accounts like RESPs offer free government money most parents never claim. You'll learn to spend on what matters, skip what doesn't, and actually enjoy managing money in 2026.

GUEST: Anita Bruinsma
http://clarityonyourmoney.com

Originally aired on 2026-01-05

Most people avoid their credit card statements in January because the numbers are terrifying. Financial planner Anita Bruinsma says that's exactly why you need to open them&mdash;but not for the reason you think.
Bruinsma introduces a simple question that changes everything: "Was it worth it?" Instead of obsessing over totals, review each purchase and ask whether it delivered emotional value. That $110 dinner might have been perfect, while the $300 fancy event felt like a waste. This mindful spending approach helps you identify what actually makes you happy versus what you regret&mdash;so next time you make better choices without feeling deprived. She also breaks down how 35% of Canadians are ignoring the TFSA (a tax-free growth account), why switching banks can save you $30-40 monthly, and how hosting friends at home beats the bar every time.
Discover why engaging with your finances&mdash;even in small steps&mdash;builds confidence over time, and how accounts like RESPs offer free government money most parents never claim. You'll learn to spend on what matters, skip what doesn't, and actually enjoy managing money in 2026.
GUEST: Anita Bruinsma <a href="http://clarityonyourmoney.com">http://clarityonyourmoney.com</a>
Originally aired on&nbsp;2026-01-05

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.