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What You Need to Know About Bankruptcy
Many people believe that bankruptcy is the best solution for their money woes, but there are a variety of options a person in debt can explore. Bankruptcy will stay on your credit record for several...
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5 Free Outdoor Activities to Enjoy this Winter
With the current economic climate, it is hardly surprising that many are searching for more affordable activities this wintertime. It’s important to remember that creating memories doesn’t have to...
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When is the Best Time to Open an RRSP?
More than half of young Canadians (aged 19-34) don’t have a RRSP. While a growing segment of the population now does have a registered retirement savings account, there is still a fair amount of...
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Financial New Year’s Resolutions
The start of the New Year is the time when millions of Canadians begin to assess their life’s progress and set goals for the coming 12 months ahead. Economic objectives are a popular choice for New...
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Why is Consolidating Debt Helpful?
If you need help overcoming high levels of debt, consolidation can be your best solution. Overwhelming debt can lead to late payment fees, lower credit scores, and financial stress. Debt consolidation...
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What is the Actual Cost of Owning a Car Each Month?
Sometimes owning a car is a necessity. Depending on where you live, the expense of owning a car is required to complete your daily activities. But what is the actual cost of owning a car each month?...
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How do I Make Sure I Don’t Run Out of Money Before the End of the Month?
Managing your money can be overwhelming when you feel like you’re not making enough. Even the most responsible people with well-established jobs run into money issues. From increasing student loans to...
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Using A Consumer Proposal For Debt Repayment
If you have high levels of debt and are facing the possibility of bankruptcy, filing for a consumer proposal can be one of the best ways to regain control over your finances. Borrowers with high...
View ArticleHOW TO READ A CREDIT REPORT
In Ontario there are two main credit reporting agencies: Equifax and TransUnion. These agencies keep track of your past and present: personal information, credit information, debt, and credit related...
View Article5 WAYS TO SAVE DURING THE SUMMER MONTHS
I always finish my summer holidays with a much lighter wallet then I started with. It can be hard to resist the temptation to spend with and on family and friends, but if you plan ahead, create a...
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How Do Secured Credit Cards Work?
If you are looking to build up your credit rating, many advisors will recommend a secured credit card as a good place to start. Regardless of whether you are trying to build a credit rating for the...
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How To Save For Retirement
It used to be that Canadians would work most of their lives for the same company before retiring at age 65 with full government benefits and pensions that would meet their needs without additional...
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Planning For A Lower Income
With the economy still recovering and the competition for jobs high, it is pretty common for people to have to take a lower paying job in order to get the life experience they desire. This may seem...
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Tips On Creating A Budget That Will Work For You
Budgeting can be a real challenge and many people fail several times at before they find a one that really works for their unique needs and goals. Here are several tips to help you find the right...
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Budgeting On A Fluctuating Income
If you are a freelancer or work solely on commission, your income may vary greatly. Trying to come up with a monthly budget when you collect a variable income is tough, but is far from impossible....
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Five Tips To Downsizing Your Life
Sometimes, life moves so fast, we don’t have time to catch our breath. We leave clothes on our bedroom floor, we miss appointments we forget about, and we let it go too long before reconnecting with...
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Five Year Plan To Buy A House
In North American culture, buying a house is considered one of the more remarkable things someone can do. It shows that a lender was impressed enough to give you a mortgage to fund this expensive...
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Refinancing A Mortgage To Pay Off Credit Cards
If your mortgage is up for renewal and you are drowning in revolving debt, you may find yourself in a real financial jam. Before you dig yourself deeper into debt or start missing payments, consider...
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Renting vs. Buying a House: How to Know What you Can Afford
When you plan to purchase a home, it is important to know what you can afford. In Canada, you need a minimum down payment of 5% to purchase a house. Some lenders will offer you a mortgage without a...
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Foolproof Budgets for Large Families
It can be a challenge to live on a budget when you have a large family, but it can be done. All it takes is careful planning and being aware of where your money goes. The starting point is to gather...
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