CTV's Chief Financial Commentator Pattie Lovett-Reid is inviting you to take part in her 30-Day Challenge. Every day for 30 days, Pattie will tweet at least one financial tip. During the challenge, she wants to hear tips from readers, and feedback on how the challenge is affecting their lives. Follow her on Twitter for the most up-to-date tips! @askpattiectv

  • Tip 30: We did it! Thanks for following me and joining the challenge. Doesn't stop here - "Wallet Wednesdays" and "Frugal Fridays" coming.
  • Tip 29: Your cheque book doesn't lie. Understand your numbers, confront your facts, and develop your plan. It's your financial life!
  • Tip 28: You may feel comfortable & trust your planner. Stay involved. The more you learn you'll find the conversations become more productive.
  • Tip 27: Discuss life insurance with your children or heirs. If you can't afford the premiums, maybe it's in their best interest to pay them.
  • Tip 26: Keep accurate records of the cost base of your assets so you can report accurate gains and losses when you redeem your investments.
  • Tip 25: Hire a home inspector -- it's worth the cost. Ask questions, be on site during the inspection.You never know what they'll find. Buyer beware!
  • Tip 24: When investing it is important to separate fads from fundamentals. Find good quality companies when they're inexpensive and sell high.
  • Tip 23: As the holiday season approaches maximize your reward cards for gifts for family and friends. Membership has it's benefits - win/win.
  • Tip 22: Do you need a car? I know you want a car but given all the alternatives like car sharing, think of the dollars you could save!
  • Tip 21: According to @FPSC_Canada most think financial planning is only about investing or retirement. You have a #FP to achieve life goals!
  • Tip 20: Think long term-save $1000s Buy neutral furnishing that stand the test of time, quality that lasts for generations. Less is more!
  • Tip 19: Put $ toward term life insurance to cover your family beyond mortgage expenses for a lot less than the cost of mortgage insurance.
  • Tip 18: We all have a chronological age, biological age and financial age. Life can dictate where you are that's why you need YOUR plan.
  • Tip 17: Insurance protection is best if never used and invaluable if you need it. Time to find out what you are covered for and at what price!
  • Tip 16: Consider using ETF's to own sectors. When a positive trend happens, you'll get the upside without single-stock risk.
  • Tip 15: Tip 15: Halfway through the challenge. Time to do your net worth statement. List everything you own and you owe. Set a goal for the next year.
  • Tip 14:Tip 14: Emergency funds are necessary.The roof could leak,the car could break down, you could lose your job. Have a $plan for the unexpected.
  • Tip 13: Cut back on your utility bills. Turn the thermostat up/down depending on the season. A couple of degrees adds up to big savings.
  • Tip 12: We buy a stock with the expectation it will go higher. If it doesn't, cut your losses and sell. You make two mistakes holding on!
  • Tip 11: Time for a review. How much money do you have in stocks, bonds, real estate and commodities? Asset allocation is key to your return.
  • Tip 10: No one wants you to go into debt this holiday season. Be honest, be creative, set $ limits, and spend less by looking for deals now!
  • Tip 9: Before year end think about selling your stocks with an unrealized capital loss. This can be used to offset realized capital gains.
  • Tip 8: It could get bumpy in the markets given the potential U.S. fiscal cliff. Now is the time to rebalance your portfolio and reduce risk.
  • Tip 7: Check your credit rating. Pay your bills according to the terms and on time. 57 per cent of Canadians have an excellent rating -- do you?
  • Tip 6:Give unexpectedly. Donate books to the library, clothes to a shelter, tip a student generously. The amount doesn't matter it's the act.
  • Tip 5: Give yourself a raise. Check to see if your company has a Share Purchase Plan or RSP that matches your contributions. Free money!
  • Tip 4: Part two - Travel insurance is overlooked. Why? Because we think something will happen to someone else but it could happen to you.
  • Tip 4: Promise you will never travel without medical insurance. Small cost, big coverage. An accident or illness can happen at any age.
  • Tip 3: It's not enough to know your $ numbers approximately -- know them exactly. Reconcile all your accounts weekly -- not monthly. Be relentless!
  • Bonus Tip: Still pack your lunch and snacks and apply the money toward your most expensive debt -- today. Smalls changes yield big results.
  • Tip 2: Download your banking app. The money you saved today packing your snacks, lunch etc. -- apply it immediately toward the most expensive debt.
  • Tip 1: What is going to make you get excited about saving and not spending? Set a 30 day goal to have saved X amount of money. We can do it!