May 19, 2020

Keep Your Financial New Year’s Resolution With These Apps!

paying down debt
personal finance
Mana Tulberg
3 min
Keep Your Financial New Year’s Resolution With These Apps!

Read the latest edition of Business Review Canada!

At this time of the year many look back at the past 12 months and contemplate the idea of becoming a better version of themselves for the year ahead.  Losing weight, spending less, exercising more usually make the top of the New Year’s resolution list. However, paying down debt appears to be the top financial priority for many Canadians in 2015. According to an annual poll by the Canadian Imperial Bank of Commerce (CIBC), for the fifth year in a row Canadian’s financial resolution has remained the same with one exception: “retirement planning is increasingly taking a back seat to more immediate financial needs; debt repayment has jumped even further for boomers.”

In CIBC’s poll Canadians identified the following as their top financial priorities for the year ahead:

  1. Paying Down Debt: 22% up 6% from 2014
  2. Building Savings: 12% up 1% from 2014
  3. Paying Bills/Getting By: 10% up 2% from 2014
  4. Managing Day-to-Day Spending/Budgeting: 9% up 1% from 2014
  5. Retirement Planning: 5% down 2% from 2014

 Source: CIBC

Credit-monitoring agency TransUnion reports that at the end of 2014 the average consumer’s non-mortgage debt level in Canada reached to more than $28,000. Consequently, more Canadians are committed to fulfilling a New Year pledge that ushers them closer to a debt-free living.

In the past few years we have become more dependent on our mobile devices for communication, entertainment and managing our daily tasks. Therefore, it is no surprise that we may now utilize our smartphones to help us avoid resolution pitfalls.

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Below are a few apps that can assist those of you who have placed “paying down debt” on your 2015 resolution list:


This app is a personal financial management tool that helps you pay off debt and manage your credit. By using this app you can visualize your debt pay down progress wherever you go, Receive personalized guidance in real-time and Set mobile alerts to stay on top of your payment plan. ReadyForZero is available for Android and iPhone devices.

Debt Free:

Currently offered at $0.99 (U.S.), this app has been the top selling financial app in the past two years in Canada (Source: iTunes). You can analyze your model debt repayments to see when exactly you can become debt free. If you are an Android user make sure you check out Debt Payoff Planner for the same features.

Mint Personal Finance:

By, this app claims to help you with your spending, create a budget, receive bill reminders and save more money. Mint also gives you access to your free credit score and helps you learn how you can improve your score. Mint is available for Windows Phones, Android and iPhone devices.


BillMinder simplifies your life by bringing all your bills into one manageable place. With this app you will know at a glance which bills need your attention. You can also track your expenses with comprehensive charts and graphs. BillMinder is available for Android and iPhone devices.

Allowance Manager:

This is a brilliant app for those who want to teach their kids how to manage their money. Through a pre-paid debit card, Allowance Manager lets parents and their children view all transaction at from anywhere at any given time. Allowance Manager is available for devices such as Android, iOS, Windows Mobile, Blackberry, Fire Phone.

Between paying off debt and saving money, there are many apps available to Canadian smartphone owners. While many of these apps offer more or less the same services, it is up to you and your personal preference as to which app you use. Nevertheless, we would like to wish you a debt free and financially sound 2015.

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Jun 18, 2021

Intelliwave SiteSense boosts APTIM material tracking

3 min
Intelliwave Technologies outlines how it provides data and visibility benefits for APTIM

“We’ve been engaged with the APTIM team since early 2019 providing SiteSense, our mobile construction SaaS solution, for their maintenance and construction projects, allowing them to track materials and equipment, and manage inventory.

We have been working with the APTIM team to standardize material tracking processes and procedures, ultimately with the goal of reducing the amount of time  spent looking for materials. Industry studies show that better management of materials can lead to a 16% increase in craft labour productivity.

Everyone knows construction is one of the oldest industries but it’s one of the least tech driven comparatively. About 95% of Engineering and Construction data captured goes unused, 13% of working hours are spent looking for data and around 30% of companies have applications that don’t integrate. 

With APTIM, we’re looking at early risk detection, through predictive analysis and forecasting of material constraints, integrating with the ecosystem of software platforms and reporting on real-time data with a ‘field-first’ focus – through initiatives like the Digital Foreman. The APTIM team has seen great wins in the field, utilising bar-code technology, to check in thousands of material items quickly compared to manual methods.

There are three key areas when it comes to successful Materials Management in the software sector – culture, technology, and vendor engagement.

Given the state of world affairs, access to data needs to be off site via the cloud to support remote working conditions, providing a ‘single source of truth’ accessed by many parties; the tech sector is always growing, so companies need faster and more reliable access to this cloud data; digital supply chain initiatives engage vendors a lot earlier in the process to drive collaboration and to engage with their clients, which gives more assurance as there is more emphasis on automating data capture. 

It’s been a challenging period with the pandemic, particularly for the supply chain. Look what happened in the Suez Canal – things can suddenly impact material costs and availability, and you really have to be more efficient to survive and succeed. Virtual system access can solve some issues and you need to look at data access in a wider net.

Solving problems comes down to better visibility, and proactively solving issues with vendors and enabling construction teams to execute their work. The biggest cause of delays is not being able to provide teams with what they need.

On average 2% of materials are lost or re-ordered, which only factors in the material cost, what is not captured is the duplicated effort of procurement, vendor and shipping costs, all of which have an environmental impact.

As things start to stabilise, APTIM continues to utilize SiteSense to boost efficiencies and solve productivity issues proactively. Integrating with 3D/4D modelling is just the precipice of what we can do. Access to data can help you firm up bids to win work, to make better cost estimates, and AI and ML are the next phase, providing an eco-system of tools.

A key focus for Intelliwave and APTIM is to increase the availability of data, whether it’s creating a data warehouse for visualisations or increasing integrations to provide additional value. We want to move to a more of an enterprise usage phase – up to now it’s been project based – so more people can access data in real time.


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