You are now leaving our website and entering a third-party website over which we have no control.
Tell us about your borrowing goal.
Borrow Better for home improvements
-
-
Your home is more than bricks and mortar. It’s a place of comfort, security, and love. Making your home the way you want it often takes more money than you have on hand. To request financing for home improvements, talk to TD about a loan or line of credit.
Why borrow for your home?
Borrow Better to become debt-free sooner
TD has several ways to help manage your debt.
Learn more about borrowing
Legal
1 Subject to approval
2 Subject to the terms of the agreement
3 Subject to TD Canada Trust credit criteria and any prior outstanding mortgage, charges or liens
Contact us
Popular questions
Helpful related questions
Did you find what you were looking for?
Sorry this didn't help. Would you leave us a comment about your search?
See you in a bit
TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index
TD Personal Banking
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Youth Account
- Student Account
- Credit Cards
- Aeroplan points
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Borrowing
- Personal Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Banking Advice for Seniors (60+)
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
- TD Ready Advice
TD Small Business Banking
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Employer Services
TD Corporate
Other TD Businesses
Budgeting for the Unexpected
Super: TD presents Asking for a Friend
Budgeting for the Unexpected
Oh hi hey hello! Welcome to Asking for a Friend. I’m Neha, ready to help answer your burning financial questions.
Dear Asking For a Friend,
I totally have a budget that I follow but… my friend… doesn't know how to get started making one. Can you help them with some advice?
Sincerely,
Budget Betty
That’s a great question, Betty! Here’s some advice from TD advisors.
Super: Consider how much you’re making and spending.
First, compare how much money you’re making with how much you’re spending in any given month.
Super: TD MySpend
- Track spending
- Create savings goals
- Insights to make goals happen
The TD MySpend app can help you track your spending, create a wish list of savings goals and get insights to help you make those goals happen.
Super: Prioritize paying for your needs.
Next, prioritize paying for your needs like food, shelter, transportation and paying down your debts.
Super:
- Food
- Shelter
- Transportation
- Paying down debt
With the TD MySpend app, you can categorize your expenses from your TD deposit and credit card accounts automatically as “Needs,” “Wants,” or “Other.”.
Super: Spend less than you make.
Finally, if possible, try to spend less than you make by cutting down on your "nice-to-have" expenses.
If you find that you have any extra money left over after paying for your needs and cutting down on your wants, consider putting that extra money towards building an emergency fund. Then, if you have any unexpected expenses in the future, you’ll have savings to rely on.
That’s why I’m deleting my food and shopping apps — right after these noodles! TD advisors say to try to save up an amount that is equal to 3 months of your regular expenses, if you’re able. Having an emergency fund helps you to be better prepared in case of financial challenges in the future.
Hey, I started using the TD MySpend app to track my spending and savings. I deserve this takeout! Remember to revisit your budget regularly and adjust accordingly.
Download or open the TD MySpend app to get started.
Endslate: Visit td.com/myspend