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nDash Writer Profile for Sarita Harbour


Freelance Personal Finance Writer | Freelance Business Writer

About Me

I'm a freelance personal finance writer, business writer, human resources writer, ghostwriter, and blogger.

My business, technology, and marketing blog content appears on sites such as TIME/Money, CBC Canada's The Dragon's Den, RBC, The Hartford's Small Biz Ahead, ADP THRIVE, Fundera, Fox News Small Business, Capital One Spark, KISSMetrics, Equifax Insights, Business News Daily, and IBM Midsize Insider.

As a former financial advisor with over a decade of experience in banking, my freelance writing topics include mortgages, money management, investments, and retirement planning for Canadian and American audiences. My personal finance and real estate work can be seen at RBC, Meridian Credit Union, Yahoo! Homes, GoBankingRates, AOL, Bob Vila, Investopedia, Money Crashers, Transunion, and Zacks Investment Research.

Industries I Write About




My Writing Samples

Can Your Business Save Time and Money by Switching to Mobile Payment Processing?

A brief description of options for mobile credit card processing for an American small business audience.


6 Ways Banking Technology Saves The Environment

Short blog post for RBC on how the banking industry is using technology to limit the industry's impact on the environment.


10 Effects of Inflation - and How to Protect Your Money Now

Five positive and five negative effects of inflation on the average person - plus a few tips on how to protect your money now.


Top 8 Hidden Costs of Taking Out an Auto Loan

Unless you won the lottery or have been budgeting diligently for years, chances are you’ll need an auto loan before buying a new car. And although you know the new car price, the down payment amount and what your monthly loan payments should be, the less obvious expenses that accompany a car loan might surprise you. Understanding these eight hidden costs will help you identify and avoid them when taking on a car loan.


6 Things To Do After You've Received Your Business Loan

You might think now that your financing’s been secured, you’re all set to go full-steam ahead with your business plans. And although that’s technically true, what you do with your small business loan the minute you receive it can actually affect your future borrowing success. Now is a fantastic opportunity to better position your business for an even more positive financial future—you might even open doors to access to more money and different types of loans at lower rates. Here are six things


Amortization Table vs. Payment Schedule: What's The Difference?

When you begin repaying your business loan, part of your loan payment will be paid to the principal, and part will be paid to interest. As a reminder, the “principal” of the loan is what you borrowed, while the “interest” is, as you probably know, the cost of borrowing that money. If you have an amortizing loan, every payment you make isn’t equally split between principal and interest. In fact, with amortizing loans, borrowers usually pay more of the interest upfront, leaving the principal for


11 Best Online Accounting, Bookkeeping and Invoicing Software

Today’s freelancers, work-at-home moms, and small business owners have more choices than ever when it comes to accounting and bookkeeping services. Gone are the days when you needed to collect your scrap receipts in a shoebox and deliver them to a professional bookkeeper each month. The recent explosion of online cloud-based applications has widened the selection of easy-to-use, inexpensive, and even free online bookkeeping options for businesses of all sizes.


Understanding the Hurricane Insurance Deductible

If you have a home in a region that has a high hurricane risk, you'd better check your homeowner's insurance policy for the details of its deductible for hurricane-related damage. This relatively new addition to insurance policies is not a flat dollar amount but a percentage of your home's value, and it can add significantly to the financial burden you bear if your home is damaged in a hurricane.


Off-Season Buys to Save You Money

You know that saying, “timing is everything?” Well, when it comes to getting a great deal on your next purchase, it’s true. That’s because some goods and services have a definite “best time to buy”. It’s known as the “off-season.” However, that season varies depending on what you’re looking for. Here are seven great ways to enjoy some of the best off-season buys out there.


The Best Subscriptions That Will Help You Save in the Long Run

You’ve seen the ads for those subscription boxes - they’re popping up everywhere! From portioned dinners to razors, monthly subscription boxes have become all the rage. In fact, according to a 2018 McKinsey report, 15 percent of online shoppers have one or more subscription services. Sure, they’re convenient and even fun -- but do they help keep money in your wallet? As it turns out, depending on your lifestyle and spending habits, some subscription boxes might actually provide a financial....


Marrying Into a Mortgage: How to Navigate a Joint Mortgage

Is a joint mortgage part of your newlywed finances if one of you already has a mortgage before you get married? Here's what you need to know.


What is Niche Marketing? And How to Win Your Market

Differentiating your brand from fierce competition is a challenge, but the answer lies with your audience. Adding a niche-marketing approach to your digital strategy is your solution. It means you’ll be meeting consumers on a much more personal level and catering specifically to their needs. The content, for example, that Coca-Cola makes for its general consumers is very different to the content that it makes for restaurant owners, because the needs of each niche are completely different.


Subscriptions That Will Help You Save

You’ve seen the ads for those subscription boxes - they’re popping up everywhere! From portioned dinners to razors, monthly subscription boxes have become all the rage. In fact, according to a 2018 McKinsey report, 15 percent of online shoppers have one or more subscription services. Sure, they’re convenient and even fun -- but do they help keep money in your wallet? As it turns out, depending on your lifestyle and spending habits, some subscription


The Future of Monetization: How Today's Savvy Digital Publishers Are Preparing for Tomorrow

It’s an exciting time for digital publishing. Increasingly, consumers depend on digital channels for learning, entertainment, and shopping. A recent report found that as of April 2019, almost 4.4 billion people, or 58% of the worldwide population, are online. With an ever-growing online audience, and increasing competition between content producers and publishers, digital publishers must quickly learn how to make money from their content and their platform. If you’re wondering where to invest


5 Ways to Future-Proof Your Business

With fast-evolving technology, new generations of employees, diverse business models, and ever-changing competitors, how can a business not just stay afloat, but thrive, in a time of continuous change? Whether you're leading an organization with hundreds of employees or running your small, family-owned business, the key to continued success lies in future proofing your business. Here are five ways businesses can prepare today to help successfully navigate tomorrow's business environment.


How to Hire Employees

Hiring the right employees at the right time has a huge impact on whether a growing business can make it in the long run, but many small business owners have little to no hiring experience. The first person they’ll ask to work for their business will be the first person they’ve ever hired. And to be successful long-term, these same entrepreneurs will eventually need to hire a whole host of employees with various skill sets and roles to support their operation. Unfortunately, there are some commo


Will BYOD Save Money for Your Business?

Have you heard of BYOD? It stands for "bring your own device," and it refers to employees using their personal smartphones, tablets and laptops for work. Small businesses that implement a bring-your-own-device policy can save on the costs of providing mobile devices for their staff, but it's important to consider the potential costs of allowing personal devices, too.


6 Easy Questions to Maximize Productivity in the Workplace

When a workplace allows for a certain amount of autonomy, it’s up to each individual to arrange their workday to meet their agreed-to goals. But determining how to maximize productivity to get more done isn’t always easy. This is where a little help from the professionals – also known as your human resources department – can go a long way. Your organization’s HR team can help coach employees across other departments to become individually more productive by asking them to answer these six simp


Environment & Productivity: Create Green Workplaces to Get More Done

Is there a link between green workplaces and higher productivity? Science says “yes.” Learn the need-to-know of how you can green your office.


How to Manage an Increasingly Remote Workforce

Today, more workers than ever are joining the remote workforce. While this trend affords companies the luxury of hiring the best employees, it also poses some complications as far as management and cohesiveness within organizations. Here are five ways to improve management of remote employees.


Blog Posts Your Web Design Clients Wish You Would Write

As a web designer, your website is the single most deadly tool in your marketing arsenal. Here is your chance to really make an impression on visitors to your site by using it as an example of how well you do your job. In addition to making choices about choosing the colour, fonts, elements, layout and design elements that really make your site unique, don’t forget about your blog. I know you probably prefer the design and development aspect of your website, but blogging is an excellent


5 Tools Guaranteed to Help Any Business Owner

Between long hours, tight budgets and a to-do list that never ends, it's easy to feel overwhelmed. The good news is that developers continue to create tools to help you run your business more efficiently. Whether you’re struggling to find more hours in your day, stay on top of your key performance drivers, or understand the impact of your social media, there are tools and apps available to help you – and the good news is, they cost little or nothing! Check out these five tools guaranteed to


Basic personal finance tips for everyone

Did you learn how to manage your money when you were in school? The truth is that few schools cover financial literacy along with reading, writing and arithmetic, a problem that follows kids into adulthood. The good news is that it’s never too late to learn. Here are a few basic financial rules everyone should know. Spend less than you earn Spending less than you earn means you’ll have money left for emergency and long-term savings, and paying down your debt. However, as Canadian household debt


What You Should Know Before You Buy Your First Home

Ready to ditch the roommates and get a place of your own? You’re not alone. More than 5.45 million homes are expected to be purchased this year, according to the National Association of Realtors—a 3 percent increase from last year (and 10 percent jump from 2014). And about one-third of them will be snapped up by first-time buyers. That doesn’t necessarily mean you need to be among them. “Just because you can afford to buy or qualify for a mortgage doesn’t mean you should, [especially] if there


5 Winning Marketing Strategies for Small Businesses

Devising effective marketing for your small business may seem like a big job, especially when you add it to your regular responsibilities as a small business owner. Yet, by choosing your marketing strategies carefully, you can stretch your marketing dollar and avoid investing too much of your valuable time on activities that generate few (or no) new customers. "SMBs [small and medium-sized businesses] strapped for time and money cannot waste any effort trying to reach their core audience," says



Personal Finance Writer|Business Writer

Blogging specialties include social entrepreneurship, women in business, B2B marketing, analytics, cloud technology, big data issues, startups, and personal finance for American and Canadian audiences. As a copywriter I have written for credit bureaus, financial services, SaaS providers, plumbers, dentists, lawyers, and even a crematorium. I create articles and blog posts on personal finance and SMB topics for Canadian and American audiences.

Company: Harbour Content Development

I worked there from 11/2010 until now

Freelance Writer

Creating highly sharable blog posts and feature articles on personal finance and small business topics for American and Canadian audiences. Please visit www.harbouronlinewritingservices.com for my up-to-date portfolio.

Company: Harbour Content Development

I worked there from 11/2010 until now

Content I Write