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"I just went online and paid [off my debt management program], what a great feeling! It’s the best present to myself I could ever have . . . I want to thank [my counsellor] and CCS for all your help over the years. It has truly been a life altering event."
- LUCIE
- LUCIE
Welcome to the No More Debts Blog
Learn all sorts of great ways to manage your money better, solve your debt problems and use your credit more wisely. We also tackle a lot of credit myths and misconceptions.
If you have a question or concern about debt, credit, budgeting, or money management that you would like to see us talk about, feel free to email us with your question.
Student Budgeting 101: Move a set amount to bank account biweekly and live with it posted on 4:55 PM, September 8, 2010
Q: Our son is going to university and for the first time will be responsible for managing a lot of money. We have tried to go over a budget we prepared, but he thinks we worry too much; do you have any suggestions?
A: This is normal behaviour, in his own way he's telling you he wants to look...
Avoid Technology's Traps: How to put the need for the latest gadgets into perspective posted on 2:55 PM, August 24, 2010
Q: It's really expensive keeping up with technology these days. My kids say that my cellphone and laptop are lame compared with the new smart phones and mini netbooks available today. I can't afford to keep upgrading every year or so. Any suggestions?
A: It wasn't long ago that all you needed...
How to Help Your Teenager Learn to Budget & Save posted on 1:20 PM, August 19, 2010
Q: My teenager has been working for several months but seems to spend his money as fast as he can earn it. I'm worried that he's blowing everything on useless items. What can I suggest to him so that he learns how to budget and save?
A: Many parents envy your situation—a teenager who works and...
How to Maximize Your Back-to-School Budget posted on 12:58 PM, August 16, 2010
Kids will soon be headed back to school, and for many families this represents one of the year’s largest one time expenses for the kids. Buying new school supplies, backpacks, lunchboxes, shoes, clothing and electronics can quickly become very expensive. Here is how you can maximize your back-to-school...
How to Give When Money’s Tight posted on 2:01 PM, August 10, 2010
Q: We value the work of charities and believe very strongly in giving to good causes. Our income is down this year and we wonder if you have any suggestions on how we can keep giving even though we have less income?
A: Canadians are known as charitable people. Whether it's giving time or money,...
You Can Enter to Win a Starbuck's Gift Card Plus a Budgeting DVD posted on 3:31 PM, August 9, 2010
We are giving away 5 Starbuck's $10 Gift Cards plus 5 Budgeting DVDs to 5 of the first 500 people to "Like" our Facebook page.
Once we hit 500 fans (500 "Likes") we will randomly draw 5 names from the 500 fans, and those 5 people will each win a Starbucks Gift Card plus a Budgeting DVD.
However,...
How to Cope with Living in Canada while Sending Money to Family Oversees posted on 2:33 PM, August 5, 2010
Q: My husband and I immigrated to Canada almost 20 years ago to give our children a better life. We each work two jobs because we're also supporting family back home. We're behind on our mortgage and credit-card payments. What can we do?
A: For many Canadian families, sending money home is an absolute...
3 Common Credit Problems & How to Fix Them posted on 1:30 PM, August 3, 2010
People often ask how they can fix their credit. Depending on your situation and how much damage you’ve done, the answers vary. Here are answers to the 3 most common concerns:
Problem 1: I have a late payment
If you only have one or two late payments on your credit report, it probably...
When is the Best Time to Buy a House? posted on 2:04 PM, July 29, 2010
Q: Mortgage rates are still low and house prices keep going up. Is now the time to buy? And is it better to buy as big as you can?
A: It's best to determine how much house you can afford and if it fits your lifestyle before buying a home. Many home buyers don't fully realize how much it costs to...
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