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  <channel>
    <title>Spend</title>
    <link>https://www.yncu.com/learn/spend</link>
    <description>Articles on spending, and spend accounts</description>
    <language>en</language>
    <pubDate>Wed, 30 Sep 2026 15:59:13 GMT</pubDate>
    <dc:date>2026-09-30T15:59:13Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>How to budget for back-to-school expenses in Canada</title>
      <link>https://www.yncu.com/learn/spend/inflation-and-back-to-school</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/inflation-and-back-to-school" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/Objects/Student/backpack-green-lines-portrait.webp" alt="How to budget for back-to-school expenses in Canada" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span&gt;Back-to-school season can be an exciting time for families, but the costs can add up quickly. School supplies, clothing, shoes, technology, extracurricular activities and other school-related expenses can put pressure on a household budget. &lt;/span&gt;&lt;span&gt;The good news is that you don't have to buy everything at once—or buy everything new.&lt;/span&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/inflation-and-back-to-school" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/Objects/Student/backpack-green-lines-portrait.webp" alt="How to budget for back-to-school expenses in Canada" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span&gt;Back-to-school season can be an exciting time for families, but the costs can add up quickly. School supplies, clothing, shoes, technology, extracurricular activities and other school-related expenses can put pressure on a household budget. &lt;/span&gt;&lt;span&gt;The good news is that you don't have to buy everything at once—or buy everything new.&lt;/span&gt;&lt;/p&gt;  
&lt;img src="https://track-na3.hubspot.com/__ptq.gif?a=343084176&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.yncu.com%2Flearn%2Fspend%2Finflation-and-back-to-school&amp;amp;bu=https%253A%252F%252Fwww.yncu.com%252Flearn%252Fspend&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>budgeting tips</category>
      <category>saving money</category>
      <category>financial literacy</category>
      <category>Personal Finance</category>
      <category>Inflation</category>
      <category>Back-to-school budgeting</category>
      <category>Back-to-school expenses</category>
      <category>How to budget for back-to-school</category>
      <category>How to save money on school supplies</category>
      <category>Saving money on school supplies</category>
      <category>Back-to-school shopping</category>
      <category>Money-saving tips</category>
      <category>Back-to-school savings tips</category>
      <category>Family money management</category>
      <category>Budgeting for families</category>
      <category>Back-to-school financial tips</category>
      <category>Back-to-school shopping on a budget</category>
      <category>Affordable school supplies</category>
      <category>Managing rising costs</category>
      <pubDate>Wed, 02 Sep 2026 13:00:00 GMT</pubDate>
      <guid>https://www.yncu.com/learn/spend/inflation-and-back-to-school</guid>
      <dc:date>2026-09-02T13:00:00Z</dc:date>
      <dc:creator>Scott Stelmaschuk</dc:creator>
    </item>
    <item>
      <title>Domestic and international wire transfers: Requirements and Fees</title>
      <link>https://www.yncu.com/learn/spend/domestic-and-international-wire-transfers</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/domestic-and-international-wire-transfers" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/People/Leah/leah-woman-black-jacket-black-lines.webp" alt="Domestic and international wire transfers: Requirements and Fees" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span&gt;Whether you’re sending money across Canada or transferring funds internationally, wire transfers can provide a reliable way to move money between financial institutions. They are commonly used for large or time-sensitive transactions, including real estate transactions, business payments, investments, tuition, and payments to individuals or organizations in another country. &lt;/span&gt;&lt;span&gt;However, a successful wire transfer requires more than simply providing a recipient’s name and account number. The information required can vary depending on the destination, currency, financial institutions involved, and whether the transfer is domestic or international. &lt;/span&gt;&lt;span&gt;Understanding the requirements, fees, security considerations, and regulatory obligations before initiating a wire can help prevent delays and ensure your funds reach the intended recipient.&lt;/span&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/domestic-and-international-wire-transfers" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/People/Leah/leah-woman-black-jacket-black-lines.webp" alt="Domestic and international wire transfers: Requirements and Fees" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span&gt;Whether you’re sending money across Canada or transferring funds internationally, wire transfers can provide a reliable way to move money between financial institutions. They are commonly used for large or time-sensitive transactions, including real estate transactions, business payments, investments, tuition, and payments to individuals or organizations in another country. &lt;/span&gt;&lt;span&gt;However, a successful wire transfer requires more than simply providing a recipient’s name and account number. The information required can vary depending on the destination, currency, financial institutions involved, and whether the transfer is domestic or international. &lt;/span&gt;&lt;span&gt;Understanding the requirements, fees, security considerations, and regulatory obligations before initiating a wire can help prevent delays and ensure your funds reach the intended recipient.&lt;/span&gt;&lt;/p&gt;  
&lt;img src="https://track-na3.hubspot.com/__ptq.gif?a=343084176&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.yncu.com%2Flearn%2Fspend%2Fdomestic-and-international-wire-transfers&amp;amp;bu=https%253A%252F%252Fwww.yncu.com%252Flearn%252Fspend&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>fraud prevention</category>
      <category>Wire Transfers</category>
      <category>Financial Education</category>
      <category>Personal Finance</category>
      <category>International Banking</category>
      <category>Money Transfers</category>
      <category>International Money Transfers</category>
      <pubDate>Wed, 29 Jul 2026 11:00:00 GMT</pubDate>
      <guid>https://www.yncu.com/learn/spend/domestic-and-international-wire-transfers</guid>
      <dc:date>2026-07-29T11:00:00Z</dc:date>
      <dc:creator>Krystel Edwards</dc:creator>
    </item>
    <item>
      <title>The social media effect: A new Christmas shopping saga</title>
      <link>https://www.yncu.com/learn/spend/social-media-effect-on-christmas-shopping</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/social-media-effect-on-christmas-shopping" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/Objects/Mortgage/box-open-pink-lines.webp" alt="The social media effect: A new Christmas shopping saga" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="line-height: 1.15;"&gt;&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/social-media-effect-on-christmas-shopping" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/Objects/Mortgage/box-open-pink-lines.webp" alt="The social media effect: A new Christmas shopping saga" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="line-height: 1.15;"&gt;&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track-na3.hubspot.com/__ptq.gif?a=343084176&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.yncu.com%2Flearn%2Fspend%2Fsocial-media-effect-on-christmas-shopping&amp;amp;bu=https%253A%252F%252Fwww.yncu.com%252Flearn%252Fspend&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>budgeting tips</category>
      <category>financial wellness</category>
      <category>Financial Education</category>
      <category>Financial Health</category>
      <category>spending</category>
      <pubDate>Wed, 18 Dec 2024 20:00:00 GMT</pubDate>
      <guid>https://www.yncu.com/learn/spend/social-media-effect-on-christmas-shopping</guid>
      <dc:date>2024-12-18T20:00:00Z</dc:date>
      <dc:creator>Scott Stelmaschuk</dc:creator>
    </item>
    <item>
      <title>How to take control of your holiday spending</title>
      <link>https://www.yncu.com/learn/spend/how-to-control-holiday-spending</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/how-to-control-holiday-spending" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/Objects/Devices/stripe-tap-mastercard-blue-lines.webp" alt="How to take control of your holiday spending" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="line-height: 1.8em; color: #666666;"&gt;For many of us, the holidays quickly become a money-spending spree. Between the family get-togethers and the never-ending holiday activities, we can get a bit carried away (especially financially) and before we know it, we’re overspending and taking on debt. Not the best way to start a new year. Here are some tips on how to keep control of your finances this holiday season so you aren’t starting the new year with a financial disaster on your hands.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.yncu.com/learn/spend/how-to-control-holiday-spending" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.yncu.com/hubfs/Objects/Devices/stripe-tap-mastercard-blue-lines.webp" alt="How to take control of your holiday spending" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="line-height: 1.8em; color: #666666;"&gt;For many of us, the holidays quickly become a money-spending spree. Between the family get-togethers and the never-ending holiday activities, we can get a bit carried away (especially financially) and before we know it, we’re overspending and taking on debt. Not the best way to start a new year. Here are some tips on how to keep control of your finances this holiday season so you aren’t starting the new year with a financial disaster on your hands.&lt;/p&gt;  
&lt;img src="https://track-na3.hubspot.com/__ptq.gif?a=343084176&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.yncu.com%2Flearn%2Fspend%2Fhow-to-control-holiday-spending&amp;amp;bu=https%253A%252F%252Fwww.yncu.com%252Flearn%252Fspend&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Budgeting</category>
      <category>debt management</category>
      <category>Personal Finance</category>
      <category>spending</category>
      <pubDate>Fri, 23 Dec 2022 14:00:00 GMT</pubDate>
      <guid>https://www.yncu.com/learn/spend/how-to-control-holiday-spending</guid>
      <dc:date>2022-12-23T14:00:00Z</dc:date>
      <dc:creator>Scott Stelmaschuk</dc:creator>
    </item>
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