Today's newsletter was compiled by Iain Boekhoff.
Summer is halfway over, which means it's almost time for some back-to-school shopping. Buying new supplies, electronics and clothes for your kids can quickly deplete a family's budget. Here are some tips on how to get the most out of your back-to-school budget, including holding off on buying non-essential supplies to catch sales after school starts. You can also check out this roundup of past Globe stories that includes a section on keeping your spending in check for all your back-to-school needs.
Subscribe to Carrick on Money
Are you reading this newsletter on the web or did someone forward the e-mail version to you? If so, you can sign up for Carrick on Money here.
NEW: Get the Real Estate newsletter, covering the housing market, mortgages, deal closing, design and more. Sign up here
More money content
Seven credit score mythsMyth number one: each person has only one credit score.
Three tips from the very rich to improve your retirementFrom a survey of more than 2,000 wealthy investors, here are three ways you can boost your retirement.
A gap year for grown-upsTired of their jobs, this couple paid off their mortgage in three years and spent a year travelling on less than $30,000.
The best drink to order at your work partyIf you worry about your after work drink leaving you too bored or too tipsy, the Moscow Mule might be your answer.
The antidote to the cult of busyOne way to make you happier is to use your money to buy time, according to a new study from the University of British Columbia.
Featured VideoNot being so loyal to the Big 6 Banks is one way to get a better interest rate for your savings, Rob says.
In case you missed these Globe and Mail personal finance stories
More Carrick and money coverage
Send us an e-mail to let us know what you think of my newsletter.
Want to subscribe? Click here to sign up.