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Authored by John Martin

Air Canada's Standard Rules for Changing Flight Reservations

Making adjustments to your Air Canada flight reservation isn't a "ordeal by fire" - at least not if you've bought your tickets through Air Canada. The airline has a staff of specialists that are available 24 hours a day, seven days a week to answer any questions you may have, such as How to Change Air Canada Flight.

If you change a flight on Air Canada before the purchase date, you can do it for free. For further information, see the following:

  • If you alter your Air Canada airline ticket after 24 hours or if you fail to modify your Air Canada flight within 24 hours of purchasing, you will be charged a change fee based on the route and pricing type you choose.
  • Make a flight change All passengers on Air Canada are entitled to make modifications to their travel in accordance with the revised arrangements.
  • Certain costs may be waived if you notify the airline ahead of time.
  • Air Canada's 24-hour flight change policy allows you to correct mistakes for free for a period of 24 hours.
  • If you alter my Air Canada flight at the airport or at an Air Canada ticketing office, the airline has the right to adjust the administrative costs.

Check Also: American Airlines Change Flight Policy

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  • Meanwhile, she found that she was struggling to pay for rent, groceries, and other essentials.She realized that, instead of practicing Do No Harm spending, she was spending in a harmful way.It was time for her to have a plan.By simply thinking about her sources of income and the things she spent money on in any given month, Susan could determine what her main spending and income categories would be.The descriptions of each can help you as you begin to think of subcategories that are specific to you.You may have additional categories not included on this list.Remember, you’re making it personal.To give you a feel for the process, next we’ll explore some of the categories in detail.You’ll notice that the order in which we’re addressing main categories is not alphabetical, as it might be in lots of other budget programs.Abraham Maslow listed shelter, food, and clothing as basic survival needs.It seems logical, then, to put home, food, and clothing among the first categories to address.However, notice that spiritual growth comes first.If you’re wondering why, read on.Spiritual GrowthThis category includes any expenses related to nurturing your spirit.This is the first main category on a spending plan because for me, my journey with money has been a very spiritual one.Because money touches nearly every area of our lives, it provides us with an opportunity to learn about and express who we are and what’s most important to us.Many Financial Recovery clients have discovered this for themselves too.This category includes any expense that is used to nurture your spirit and replenish you.Expenses related to having and operating your home, including rent, mortgage payment, home maintenance, utilities, household supplies, home or renter’s insurance, property taxes, furniture, decorations, and so on.Any category related to your clothing, including clothing purchases, dry cleaning, alterations, and shoe repair.Expenses related to taking good care of yourself, such as personal care items and services, including haircuts, beauty treatments, cosmetics, and health clubs.These are the expenses related to your physical and emotional health, including health insurance, doctor and dentist visits, prescriptions, therapy, vitamins, and so on.These subcategories will reflect your transportation needs, including gas, car insurance, maintenance, public transportation, tolls, parking, and so on.Subcategories associated with having children, elderly parents, or pets who are dependent on you.These are the expenses for trips or vacations, including such things as airfare, accommodations, the money you spend on souvenirs, entry fees for museums and amusement parks, and the costs of boarding your pet.You may want to account for some classes in other categories, depending on your purpose for the particular learning experience.The expenses for items you need to take care of personal business, such as postage, copying, computer supplies, and banking fees.Any expenses relating to your tax obligations, including not only direct tax payments but also the cost of accounting or tax preparation services.Personal insurance, other than those already accounted for as home, auto, and health insurance.You may use this category if you have a fairly simple small business to account for, or special projects, such as a wedding.The amount you pay each month toward credit card bills and other debts, including loans from family or friends.Be sure to list the names of each creditor separately.She rents an apartment.Her only yard work is container gardening on her patio.If you are a homeowner, or if you have more space, you too might have categories related to gardening and lawn care.If you live in a rural environment, you could have septic or well services to list as subcategories.If you have a housekeeper, list that here as well.FoodThis is an expense category for everyone.How you break it down into subcategories will help you see exactly where your food dollars are going and how you feel about your relationship with food.This is where you’ll appreciate having done that.It will help you separate items such as household supplies and pet food from your food category.This way, you can get a realistic look at what you actually spend on food.Because she’s the mom of two active boys, this is a common expense for her.It’s especially important for you to plan for your social and entertainment needs as part of your spending plan.Remember, this spending plan should reflect all aspects of your life, even the fun ones!For you, this category could include museum memberships or dance lessons.Whatever you regard as entertainment belongs in this category.Staying connected with her friends is important to Susan, and it satisfies an important need.By including this in her plan, she was not only accurately planning her spending but also including her own needs as part of that plan.Notice that Susan got very specific about the expenses for each of her sons.Under that category you’ll list the names of each of your creditors.For now, just list the creditors to whom you owe money, such as student loan, MasterCard, Sears card, and so on.Don’t forget to include loan payments you make to family members and friends, and to itemize each debt separately.Separate your income into subcategories.In short, include any money that comes to you.Some people tend to see cash tips and refund checks as found money and therefore don’t feel the need to track them.But these sources of income could make a huge difference in how successfully your spending plan works for you.Summer camp fees, for example, are not something she pays for every month.Also, some of Susan’s subcategories were placeholders.Having a subcategory as a placeholder is a good way to keep such dreams alive so they eventually become realities.Again, your subcategories will reflect your personal expenses, needs, and way of life.Take some time with this.Think through how you spend your weekdays, weekends, and evenings.Be sure to consider the usual, and the unusual, expenses you encounter.Think of those nonmonthly/periodic expenses that have sometimes surprised you or sent you into financial panic in the past.Also imagine the categories and subcategories that you’d like to include in your spending plan, even if they seem unaffordable right now.Be as thorough and imaginative as possible, but know that your list doesn’t have to be perfect.Remember, you’re not putting in numbers yet.You’re just creating the categories into which you’ll classify your expenses and income.I urge you to pause once you’ve created your list.It’s useful to take a break before going on so that you don’t get overwhelmed.It’s also really important to acknowledge yourself for every step you take on this journey.Your periodic, nonmonthly expenses, such as insurance, taxes, and membership dues, don’t occur every month, just occasionally.Therefore, some categories in your spending plan may be blank for this month.Every month, your plan will be slightly different from the previous or next month’s.Because you will be working with this plan during the current month only, include only what you think you will spend and earn this month.For some amounts, you may already have the bills in hand, showing exactly what you need to spend.For others, your trackers or past bank statements can give you clues.For still others, you’ll be making reasonable guesstimates.This is just a start.After you’ve done this for a few months, your guesstimates will become more accurate.In addition to estimating your expenses, you’ll need to estimate this month’s income as well.Your income may be the same every month, or it may vary.Under income, list all the money you anticipate receiving from any source in the coming month.This includes earned income, child support and alimony, eBay sales, rental property income, and so on.If you expect to transfer money from a savings account to your checking account, include that amount as well.The number one objection I hear from people who are selfemployed or on commission is that they can’t do a spending plan because they don’t know how much money they’re going to be bringing in during a given month.But if they throw all planning out the window, they’ll invite the same money disasters they’ve had in the past.In fact, if it’s difficult for you to estimate your income, it’s even more important for you to plan.Do your best to determine your income for the coming month by looking at all likely sources of income.You may want to estimate income conservatively to avoid being caught short.The column on the right is where she entered the amounts she planned to spend in each subcategory that month.For example, although she loved eating out with friends, she acknowledged that it was more important to meet her and her sons’ needs than to go out for dinner.Plus, she knew that if she were to eat at a restaurant, she’d have to charge the meal, so she didn’t put the cost of eating out into her spending plan.Instead, she told herself she’d make delicious meals at home and invite friends over occasionally.Over time, she was able to expand her spending plan, but we’ll find out more about that later.Follow Susan’s example to fill in the estimated monthly amounts on your personal spending plan.At this point, seeing their expenses and income all laid out in front of them, people frequently feel a bit worried that their plan won’t work.If you’re feeling that way, take a deep breath.Just breathe a few moments before reading on.When I come to this step in my work with clients, it’s sometimes challenging for them, and it may be for you too.It helps to know that at this point your spending plan can still be changed.It might not yet be a workable plan.That’s what we’re finding out.If your expenses exceed your income, the next step will help you adjust your plan so that it does work.Total the amounts in each expense category.Add together all the totals from all the expense categories.Total the amounts in your income category.Subtract the total expenses from the total income.Your job now is to answer the question, Will this spending plan work?If you get a positive number when you subtract your total spending from your total income, it’s likely that you have a workable plan.It’s also possible there are some expenses you’ve forgotten about.One of the things you’ll need to consider is that if you don’t get paid until the 5th of the following month, you’ll need enough money left at the end of this month to cover your expenses until your paycheck arrives.Many of us have a history of feeling as though there will never be enough, and we’re vulnerable to getting discouraged here.The process does not stop here.Remember, the solution to a plan that does not yet work is not to pull out a credit card to make up the difference between your income and your expenses.That only makes things worse and deepens your debt load.Her expenses were greater than her income.It took some work, and she had to make some choices, but by going on to the next step of this process and making adjustments to her plan, Susan was able to create a plan that worked for her and for her boys.She felt hopeful for the first time in a long time.This is very common, especially when you are just beginning.Knowing your shortfall at the beginning of the month is really important because you still have time to do something about it!Now is the time to adjust your expenses and income and create a livable plan for the month ahead.This is your opportunity to tap into your creativity and do some problem solving.What I’ve experienced, personally and professionally, is that this process works.You can trust the process.I can’t tell you how many times I have worked with clients who started out feeling, Why bother?This is the way it always is.There is never enough. But in every case we found a solution by going through this adjustment process.It worked for them, and it will work for you.

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