Debt Help Blog
Bankruptcy, Budgeting, Credit Counselling & More
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. Do you have questions about money management, budgeting, or credit? If you need advice or help with your debts email us your questions or chat with us online. We’re happy to help.
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What to Know Before Using a Home Equity Line of Credit (HELOC)
A home equity line of credit (HELOC) or loan can help you consolidate debt or pay for big expenses. Here’s what you need to know first to avoid debt problems. Read More
Why Your First Checkup of 2021 Should Be a Financial Health Assessment
Getting the right checkups is important to staying healthy every year. Here’s why your first checkup of 2021 should be to assess your financial situation. Read More
4 Common Debt Consolidation Mistakes & How to Avoid Them
While debt consolidation might be your best option when you’re struggling with multiple debts and want a fresh start, here are 4 common mistakes to avoid. Read More
13 Hidden Ways to Save Money on Groceries
Did you know that Canadian families can spend over $1000 a month on groceries? Stretch your grocery budget money further with these 13 hidden ways to save. Read More
Top 10 Budgeting Tips to Start Using for Financial Literacy Month
In celebration of the 10th anniversary of Financial Literacy Month in Canada, here are 10 top budgeting tips to help you manage your money and debt better. Read More
Will Declaring Bankruptcy Solve My Debt Problems?
When it feels like your debts are out of control, you might wonder if bankruptcy will solve your problems. It's a big step and thankfully there are options to explore first. Read More
Get Debt Relief from Your Mortgage, How to Avoid Foreclosure, Canada
If you’re struggling to make your mortgage payments or can’t pay your mortgage at all right now, there are things you can do that will help you to avoid foreclosure and ... Read More
2 Bills to Watch Out for After Receiving CERB and Payment Deferrals
The CERB and payment deferrals have costs that Canadians might not expect or be prepared for. Here are 2 bills to watch out for and how to be ready for them. Read More
Five Reasons to Avoid Instant Payday Loans
An emergency can happen when you least expect it. When you’re not prepared financially, you might be tempted to take out a payday loan. Here's why not to & what to do instead. Read More
Best Location for a Debt Consolidation Loan in Ontario
Here is a quick guide ranking the best debt consolidation options in the order we would suggest you look at them, plus pros and cons we think you'll want to know about. Read More
Joint Debt Problems: How to Deal With and Avoid Joint Debts
Joint debts usually happen with the best of intentions. But when things go wrong, they can go really wrong for both people. Here are tips to help you sort things out. Read More
Can You File for Bankruptcy and Keep Your House?
Can You File for Bankruptcy and Keep Your House? By Jordan EvansA lot of people ask us the question, “Can you file for bankruptcy and keep your house?” The answer depends Read More
How to Avoid Debt Settlement & Debt Relief Company Scams | Canada
When trying to get out of debt, don't get caught paying large fees that don't improve your situation. Or worse, put you further behind to a point where creditors take ... Read More
Debt Collection Agency Call or Letter, How to Communicate Effectively
What to Do When You Receive a Debt Collection Letter or Call | Canada By Kelly GabrielQ: Our son was over for dinner last night and I could tell something was bothering ... Read More
Should Working, Adult Children Who Live at Home Pay Rent?
Should Working, Adult Children Who Live at Home Pay Rent? By Kevin SunThere are many reasons why it’s a bad idea to financially bail out your adult children when they’re ... Read More
How to Get a Good Credit Score, Fix Bad Credit & Be Debt Free
How to Get a Good Credit Score and Fix Bad Credit in Canada By Debra PangestuIf you are wondering how to fix your credit score in Canada or resolve some bad credit issues Read More
7 Things That Are Not On Your Credit Report
7 Things That Are Not On Your Credit Report By Julie JaggernathYour credit report is a snapshot of your financial situation at a single point in time. Your credit history Read More
How Does Debt & Credit Card Settlement Affect Your Credit Score?
How Does Credit Card Settlement Affect Your Credit Score? By Kelly GabrielCredit card settlement is one form of credit card debt relief that might work for you if you’re ... Read More
Should I Save for My Future or Pay Off My Student Loans?
Should I Save for My Future or Pay Off My Student Loans? By Jordan Evans & Julie JaggernathWhen it comes to student loans, many people want to get rid of them as ... Read More
Never Pay High Rates at Cheque Cashing Centres Again! Free Alternatives to Get Your Cash, Fast
Never Pay High Rates at Cheque Cashing Centres Again! Free Alternatives to Get Your Cash, Fast By Christi Posner Cheque cashing centres make it really easy to get cash ... Read More
How to Get Out of Debt with Bad Credit | Help in Canada
How to Get Out of Debt With Bad Credit Help in Canada By Christi PosnerIf your credit is battered or bruised, help is available without the need for paying high interest ... Read More
How to Pay Off Debt and Bills Quickly in Canada
How to Pay Off Debt and Bills Quickly in Canada By Julie JaggernathHave you hit a brick wall trying to find the best or fast way how to pay off debt quickly? Rather than ... Read More
Great Ways to Conserve Electricity and Save Money at Home
Great Ways to Conserve Electricity and Save Money at Home Guest post by Mike BrasovanShuddering at the sight of your latest electric bill? As the weather continues to ... Read More
How to Stop Collection Calls and Creditor Harassment
How to Stop Collection Calls and Creditor Harassment By Jordan Evans You’re drowning in debt and now you’re on the receiving end of a nasty, never-ending string of phone ... Read More
How To Pay Off Credit Cards as Quickly as Possible
How To Pay Off Credit Cards as Quickly as Possible by Stacy Yanchuk OleksyIf you’re looking for how to pay off credit cards on your own and get out of debt, you’ve made a Read More
I Need Financial Help Right Now – Immediately | Canada
I Need Financial Help Right Now in Canada By Kelly GabrielIf you are struggling with your finances and you’re thinking, “I need financial help right now! Fast!” We can ... Read More
How to Stop Collection Calls and Effectively Deal with Collection Agencies in Canada
How to Stop Collection Calls and Effectively Deal with Collection Agencies in Canada By Debra PangestuHaving debt and being on the receiving end of collection calls is a ... Read More
How Credit Card Cash Advances Work & What to Do Instead
How Credit Card Cash Advances Work & What to Do Instead By Carmen Chan & Julie JaggernathCredit card cash advances are so tempting – sometimes you’re in a pinch ... Read More
Is Bankruptcy My Best Option? 6 Instances When Declaring Bankruptcy in Canada May Not Be Right For You
Is Bankruptcy My Best Option? 6 Times When Declaring Bankruptcy in Canada May Not Be Right For You By Debra Pangestu When you’re in financial difficulty, declaring ... Read More
So Much to Lose if You Don’t File Taxes – File & Benefit Your Budget
There’s so Much to Lose if You Don’t File Your Taxes How Filing Your Taxes On Time Can Benefit Your Budget By Julie JaggernathA few years ago my husband became quite ill ... Read More
Should I Pay Off Debt or Save Money?
Should I Pay Off Debt or Save Money? By Jordan EvansNow that the holidays have come and gone and many of us are attempting to deal with our holiday ... Read More
Can I Keep My Car If I File for Bankruptcy?
Can I Keep My Car If I File for Bankruptcy? By Jordan Evans We find a common question people ask is “Can I keep my car if I file for bankruptcy?” They want to know what ... Read More
What to Do if You are Sued by Creditors
Help, I'm Being Sued! What To Do When You Receive a Notice of Claim for a Debt By Clare SmithYou know you’re being sued for a debt when you receive a Notice of Claim. A ... Read More
7 Bankruptcy Myths in Canada
Bankruptcy Myths and Misconceptions By Julie JaggernathBankruptcy one of the first things that comes to mind for many Canadians who are experiencing financial difficulty, Read More
Top 5 Reasons People are Declined for Debt Consolidation Loans
Top 5 Reasons Debt Consolidation Loans Applications Are Declined By Christi PosnerWhen people begin to experience financial difficulty, they often look at debt ... Read More
5 Steps to Rebuilding Credit in Canada
5 Steps You Can Take to Rebuild Your Credit Score By Debra PangestuPast money mistakes can have an impact on our credit score and hamper our chances of qualifying for a ... Read More
How to Get Out of Debt in 2021
12 of the Best Ways to Get Out of Debt Quickly By Jordan Evans & Julie JaggernathA lot of people tell us that they would love to pay down their debt or completely get Read More
How to Pay Debt Off With No Money
How to Pay Off Debt With No Money Are you wondering how to pay off debt with no money? Maybe you’re in a situation where you or your family have a budget that’s barely ... Read More
How to Decide If Downsizing Your Home When You’re in Debt Is Worth It
How to Decide If Downsizing Your Home When You’re in Debt Is Worth It If you’re thinking about downsizing, crunch your numbers carefully because it might cost you more ... Read More
4 Reality Checks to Make Before Starting a Side Hustle
4 Reality Checks to Make Before Starting a Side Hustle Thinking through a side hustle before you start is much better than facing a personal and financial reality check ... Read More
3 Tips for Solving Money and Family Budget Arguments
3 Tips for Solving Money and Family Budget Arguments Just as it’s normal to love your family, it’s normal to argue with them about money. An APA survey reported that 31% ... Read More
Keep Home Renovation Costs from Breaking Your Budget
Keep Home Renovations Costs from Breaking Your Budget Home renovation costs can be hard for anyone’s budget. Maybe you’re planning to live in your house for a while, or ... Read More
3 Ways to Help Family or Friends in Financial Trouble
3 Ways to Help Family or Friends in Financial Trouble When a family member or friend is in financial trouble it’s normal to want to help. They might be in a difficult ... Read More
Choose the Right Debt Consolidation Plan for You
Choose the Right Debt Consolidation Plan for You Are you missing payments on your car lease, skipping credit card due dates, and barely chipping away at your line of ... Read More
7 Debt Repayment Mistakes That Are Keeping You In the Red
7 Debt Repayment Mistakes That Are Keeping You In the Red Does it feel like no matter how hard you work at eliminating your debts, you just can’t seem to get the upper ... Read More
How to Cut Costs for an Emergency Budget
How to Cut Costs for an Emergency Budget When your income suddenly drops, your spending may have to as well. Many Canadians don’t have an emergency fund to help weather ... Read More
Weighing the Pros and Cons of 5 Top Strategies to Pay Off Debt
Weighing the Pros and Cons of 5 Top Strategies to Pay Off Debt Do you ever wonder about the top strategies to pay off debt? The path to being debt-free requires ... Read More
How to Lower Fixed Expenses on Your Budget When You’re Paying Off Debt
How to Lower Fixed Expenses on Your Budget When You’re Paying Off Debt Setting a budget and trimming down monthly expenses are key priorities for anyone working on paying Read More
How to Stop Relying on Your Credit Cards to Make Ends Meet
How to Stop Relying on Your Credit Cards to Make Ends Meet Credit cards come with steep interest rates, will add up to a mountain of debt if not managed carefully, and ... Read More
Dealing with Debts as a Homeowner or Renter During the COVID-19 Crisis and Beyond
Dealing with Debts as a Homeowner or Renter During the COVID-19 Crisis and Beyond Owning or renting a home can be a pricey undertaking. When you own, beyond the initial ... Read More
Your Finances During the Coronavirus Outbreak, Is Your Emergency Budget Prepared?
Your Finances During the Coronavirus Outbreak, Is Your Emergency Budget Prepared? Is your budget prepared for the potential economic impact of a pandemic illness? As ... Read More
Steps for Effective Personal Finance Management and Planning
Steps for Effective Personal Finance Management and Planning For some people, personal finance management is a passionate hobby, while for others it’s a daunting chore. ... Read More
Avoid an Unexpected Financial Crisis and What to Do If Disaster Strikes
Avoid an Unexpected Financial Crisis and What to Do If Disaster Strikes Sometimes catastrophe strikes and we end up in a financial crisis. From natural disasters, ... Read More
How to Find the Money to Pay Off Debts – Try a No Spend Challenge
How to Find the Money to Pay Off Debts – Try a No Spend Challenge If you’re looking to find the money to pay off debt quickly, or even jump start your savings fund, ... Read More
Almost Free from Credit Card Debt? 6 Things to Do to Stay Out of Debt
Almost Free from Credit Card Debt? 6 Things to Do to Stay Out of Debt You’ve tackled your credit card debt, stayed committed to your debt repayment plan, and after years ... Read More
13 Money Saving Tricks to Pay Off Debt Quickly
13 Money Saving Tricks to Pay Off Debt Quickly So you’re ready to charge full steam ahead at paying off your debt, doing everything you can to throw extra cash at your ... Read More
4 Common Financial Goals – How to Make Them SMART & Be Successful
4 Common Financial Goals – How to Make Them SMART & Be Successful When you’re new to setting financial goals, you might want to see some specific examples. Here are 4 Read More
New Year’s Resolutions: How to Set and Achieve Specific Financial Goals in 2020
New Year’s Resolutions: How to Set and Achieve Specific Financial Goals in 2020 I want to lose weight. I want to save more money. I want to get out of debt. I want to ... Read More
Year-End Checklist: 9 Things to Do for a Financially Successful 2020
Year-End Checklist: 9 Things to Do for a Financially Successful 2020 Welcome to 2020 – a clean slate to turn over a new leaf with your finances. As yet another year draws Read More
How to Get Through Holiday Spending When You’re Tackling Debt Repayment
How to Get Through Holiday Spending When You’re Tackling Debt Repayment With the Christmas season comes shopping lists, holiday spending, dinner party meals, and other ... Read More
Christmas Budgeting Tips
Practical Tips to Avoid Debt During the Holiday Season With a week to go before the big day, you’ve got the big bushy Christmas tree, the perfectly wrapped presents, the ... Read More
The Simplest Way to Track Your Money
The Simplest Way to Track Your Money By Julie Jaggernath Keeping track of our money can be as simple or as complicated as we make it. It comes down to how you view your ... Read More
Where Can I Get Free Bankruptcy Counselling, Including Alternatives?
Where Can I Get Free Bankruptcy Counselling, Including Alternatives? If you’re curious about declaring bankruptcy and want to look into free bankruptcy counselling, there Read More
What is Net Worth and Why is it Important When Dealing with Debt?
What is Net Worth and Why is it Important When Dealing with Debt? Do you know what net worth is? You see the term pop up all the time when reading about millionaires ... Read More
5 Reasons Why Declaring Bankruptcy May Not Be Right for You
5 Reasons Why Declaring Bankruptcy May Not Be Right for You You may be wondering: is declaring bankruptcy right for me? You can’t keep up with minimum payments on your ... Read More
What Is the Bankruptcy Process in Canada?
What Is the Bankruptcy Process in Canada? What is the bankruptcy process in Canada and is it a viable solution for your debt problems? When you’re struggling to pay off ... Read More
What To Do When Your Financial Goals Feel Unrealistic
What To Do When Your Financial Goals Feel Unrealistic Working towards your financial goals is a great, proactive move, but if goals are unrealistic, you could be setting ... Read More
What is a Debt Management Program (DMP) and Will It Work for Me?
What is a Debt Management Program (DMP) and Will It Work for Me? If you’re struggling to manage several credit cards with different due dates, a Debt Management Program ... Read More
What Is the Best Way to Handle Credit Card Debt and Debt Repayment?
What Is the Best Way to Handle Credit Card Debt and Debt Repayment? Do you want to know the steps for the best way to handle credit card debt and debt repayment? Paying ... Read More
Money Management Basics: Top Tips for How to Manage Your Money
Money Management Basics: Top Tips for How to Manage Your Money From paying off debt to creating an emergency fund and getting savings in the bank, your financial fate ... Read More
5 Myths About Debt Payments – Fact versus Fiction
5 Myths About Debt Payments – Fact versus Fiction By Julie Jaggernath Do you know the difference between fact and fiction when it comes to debt payments? Whether you’re ... Read More
What Does It Mean to Set SMART Financial Goals?
What Does It Mean to Set SMART Financial Goals? Whether your aim is to pay off your credit card debt, save for retirement, or work on another money goal, learning how to ... Read More
3 Strategies to Manage Money as a Couple with Debt or Income Disparity
3 Strategies to Manage Money as a Couple with Debt or Income Disparity Managing money as a couple can be tricky to sort out with two incomes and two financial situations ... Read More
3 Smart Money Management Tips Revealed Through Winter Storms
3 Smart Money Management Tips Revealed Through Winter Storms By Julie Jaggernath All of the snow shovelling we recently had to do gave me time to think about what smart ... Read More
Christmas Bills and Holiday Debt Hangover, What Can You Do?
Christmas Bills and Holiday Debt Hangover, What Can You Do? By Stacy Yanchuk Oleksy For many Canadians it’s “that” time, to face the monumental task of dealing with the ... Read More
Don’t Let Blue Monday 2019 Drag You Down
Don’t Let Blue Monday 2019 Drag You Down By Stacy Yanchuk Oleksy Blue Monday 2019 pops up in the already tough month of January. The holidays are done, the decorations ... Read More
Facing a Pay Cut or Reduced Income? Here’s What to Do Right Now
Facing a Pay Cut or Reduced Income? Here’s What to Do Right Now Facing a pay cut is scary, but when you know it’s going to happen, how you get ready for it is key. ... Read More
Kick Start Your Debt Repayment with a Cash Only Diet
How to Use a Cash Only Diet to Kick Start Your Debt Repayments It’s easy to tap and swipe away on your debit and credit cards for groceries, gas, online shopping and ... Read More
How to Get Rid of Payday Loans with 5 Step Plan to Escape the Cycle
How to Get Rid of Payday Loans with a 5 Step Plan to Escape the Cycle If you're tired of always borrowing from payday loan companies, have multiple payday loans, and are ... Read More
Is the Rising Cost of Living Stressing You Out? Tips & Solutions
Is the Rising Cost of Living Stressing You Out? Tips and Solutions By Julie Jaggernath It's hard not to notice the rising cost of living. Most obvious these days is the ... Read More
Which Debts Don’t Need to Be Paid Down First?
Which Debts Don't Need to Be Paid Down First? By Julie Jaggernath When you are trying to figure out how to get out of debt quickly, you might have some debts that don’t ... Read More
What is Credit Counselling? Options to Get Help with Debt, Credit Repair & Rebuilding – More Than the Banks Can Offer
What is Credit Counselling? Options to Get Help with Debt, Credit Repair & Rebuilding – More Than the Banks Can Offer By Julie Jaggernath Does credit counselling seem Read More
Credit Reporting & Credit Ratings – 3 of the Worst Myths Debunked and Explained
Credit Reporting & Credit Ratings – 3 of the Worst Myths Debunked and Explained By Julie Jaggernath Credit reporting and credit ratings are two of the most asked ... Read More
Convince a Landlord to Rent to You Even with Past Credit Problems
How to Convince a Landlord to Rent to You By Julie Jaggernath Are you trying to convince a landlord to rent to you? Looking like the ideal renter and great tenant to make Read More
What You Should Know Before Consolidating Your Debt
What You Should Know Before Consolidating Your Debt Q: I have a question about debt consolidation. With all the bad news lately about people losing their jobs and how ... Read More
What Is the Best Way to Pay Off Debt? Snowball vs Avalanche Explained
What Is the Best Way to Pay Off Debt? Snowball vs Avalanche Explained By Julie Jaggernath The best way to pay off debt can be difficult to figure out. Maybe you are ... Read More
The Early Warning Signs of Financial Problems
The Early Warning Signs of Financial Problems Financial problems can seem to creep up on us out of nowhere. It's always surprising how so many people seem to be doing ... Read More
Getting Rid of Debt – What to Know About the Best Way & If You Need Help
Getting Rid of Debt – What to Know About the Best Way & If You Need Help By Julie Jaggernath Are you looking for ways of getting rid of debt? Credit cards, car loans, Read More
Paying Off Debt Tips – 3 Things to Avoid
Paying Off Debt Tips - 3 Things to Avoid If you're looking for tips on paying off debt, below are 3 often-overlooked spending tips that can save you money and help you ... Read More
How to Read Your Credit Report
How to Read Your Credit Report If you’re looking at a credit report for the first time it can be quite intimidating. Your credit report may be a single document but it ... Read More
Plan for Christmas and Beyond
Plan for Christmas and Beyond By Stacy Yanchuk Oleksy Tis the season isn’t it? My husband and I have moved to Ontario from British Columbia and I feel as though the ... Read More
How to Rebuild Credit in Canada
How to Rebuild Credit in Canada Your credit score is your ticket to qualifying for a loan, securing a credit card or locking in a good interest rate on a mortgage. While ... Read More
What You Need to Know Before You Shop on Black Friday
What You Need to Know Before You Shop on Black Friday or Cyber Monday By Renu Singh-Joseph and Stacy Yanchuk Oleksy Are you searching online for Black Friday deals? Or ... Read More
Great Insight Into How To Pay Off Debt
Great Insight Into How To Pay Off Debt by Stacy Yanchuk Oleksy I consistently get asked when I’m in the community teaching or talking about financial wellness, how to pay Read More
Seniors & Debt: A Growing Problem That We Can Help Fix | Credit Counselling Society
Seniors & Debt – A Growing Problem That We Can Help Fix by Tim St. Vincent You are a Senior, or about to be? You are getting ready to head down the golden path of ... Read More
7 Ways to Protect Yourself from Rising Interest Rates in Canada
7 Ways to Protect Yourself from Rising Interest Rates in Canada Today the Bank of Canada raised the interest rate that all banks base their Prime rate on (the Prime rate ... Read More
The Dangers of Different Types of Consolidation Loans
The Dangers of Different Types of Consolidation Loans by Mark Kalinowski As long time Credit Counsellors will tell you – the best option to address debt is one that is ... Read More
What to Do If You’re Saying “I Need Help Immediately”
What to Do If You’re Saying “I Need Help Immediately” by Stacy Yanchuk Oleksy Sometimes when life presents us with challenges we think to ourselves “it’s okay Self, we ... Read More
How to Make a Personal Expense Tracker Work for You
How to Make a Personal Expense Tracker Work for You by Stacy Yanchuk Oleksy Before diving in to showing you how to make a personal expense tracker work for you, let’s ... Read More
How to Get Out of Debt? How You Drive Might Matter
Are You Wondering How to Get Out of Debt? How You Drive Might Matter by Julie Jaggernath When you’re looking for how to get out of debt, look at how you drive. If you’re ... Read More
How Do You Pay Off A Credit Card?
How Do You Pay Off A Credit Card? We are often asked ‘How do you pay off a credit card?’ The majority of Canadians have multiple credit cards, and for a lot of people, it Read More
Is This Missing in Your Plan to Get Out of Debt and Become Debt Free?
Is This Missing in Your Plan to Get Out of Debt and Become Debt Free? By Julie Jaggernath If you want to become debt free, you’ve probably read all the tips about how to ... Read More
Getting Debt Help & Using a Debt Ratio/Debt-to-Equity Ratio Calculator
Before You Get Debt Help, Should You Use a Debt Ratio, Debt-to-Equity Ratio, or Debt Calculator? When you need debt help, a debt calculator that illustrates various ... Read More
4 Key Debt Reduction Strategies | Credit Counselling Society
4 Key Debt Reduction Strategies By Renu Singh-Joseph If you’re struggling with debt, it can often cause sleepless nights or feel like you’re carrying an extra person ... Read More
The First Step in Paying Off Debt When You’re Struggling
The First Step in Paying Off Debt When You're Struggling The First Step for Paying Off Debt – First of all, no one likes being in debt. No matter what you do, the ... Read More
NoMoreDebt.org vs NoMoreDebts.org – What is the Difference?
NoMoreDebt.org versus NoMoreDebts.org – What is the Difference? If you’re wondering about the difference between nomoredebt.org and nomoredebts.org (with the “s” at the ... Read More
How to Reduce Debt – Power Tips, Ways, & Methods
How to Reduce Debt - Power Tips, Ways, & Methods If you are wondering how to reduce your debt as fast as possible, we’ll show you the best ways to reduce debt in ... Read More
How to Deal with Debt Stress and Get Debt Relief
How to Deal with Debt Stress and Get Debt Relief Debt affects more than just our financial well-being; having money problems can also affect our physical and emotional ... Read More
Dealing with Credit Card Debt, Advice from Last Year’s Self-Pay It Off
How to Deal with Credit Card Debt – Advice from Last Year’s Self By Julie Jaggernath Have you ever made a conscious effort to pay down credit card debt, only to abandon ... Read More
Stop Living Pay Cheque to Pay Cheque – Break the Cycle with 3 Steps
Stop Living Pay Cheque to Pay Cheque – Break the Cycle with These 3 Steps By Julie Jaggernath When you want to stop living pay cheque to pay cheque, before you create a ... Read More
How to Communicate with Collection Agents & Regain Control of Your Pay Cheque
How to Communicate with Collection Agents & Regain Control of Your Pay Cheque Q: I’m about 4 months behind on my credit card payments and now a collection agency is ... Read More
Better Debt Help Options than Bankruptcy in Canada – Best, DMP
Better Debt Help Options than Bankruptcy in Canada - Best, Debt Management Program Are you looking for some better debt help options in Canada other than bankruptcy? If ... Read More
How to Set Financial Goals in the New Year
How to Set Financial Goals in the New Year By Debra Pangestu Getting our finances in order is a common New Year’s resolution, and one of the best things you can do to ... Read More
6 Personal Finance Tips to Help You Achieve Financial Freedom in the Future
6 Personal Finance Tips to Help You Achieve Financial Freedom in the Future Financial freedom is something many of us hope to achieve in the future, and although such a ... Read More
Managing Money and Debt Wisely
Managing Money and Debt Wisely By Jane Rooney, Canada's Financial Literacy Leader Financial Literacy Month (FLM) is in its fifth year and I am happy to report that ... Read More
5 Reasons Why You Should Avoid a Cash Advance
5 Reasons Why You Should Avoid a Cash Advance By Debra Pangestu When you’re in a financial bind and in need of quick cash, taking a cash advance on your credit card may ... Read More
Interest Rates for Debt Management Programs
Interest Rates for Debt Management Programs Debt Management Program interest rates are lower than credit card interest rates and in some cases, they are completely ... Read More
Trapped By Your Finances? How to Get Out of Debt in 3 Steps
Trapped By Your Finances? How to Get Out of Debt in 3 Steps Bad money habits can cause our finances to spin out of control, and when this happens, it may seem impossible ... Read More
How Does Debt Consolidation Work?
How Does Debt Consolidation Work? By Debra Pangestu Keeping up with different debt obligations is a common struggle for many Canadians, and if you’re trying to get your ... Read More
Ways to Save Money for Financial Goals, 5 Steps Everyone Can Do
Ways to Save Money for a Financial Goal in 5 Steps That Everyone Can Do By Julie Jaggernath Is there something you’d like to buy but can’t afford right now? Maybe you ... Read More
Need Debt Help? Consider Non-Profit Credit Counselling
Need Debt Help? Consider Non-Profit Credit Counselling By Debra Pangestu Running into financial difficulty can take a toll on different aspects of your life, and if your ... Read More
Help Me, I’m Drowning in Debt – I Need Help with Debt Now
Help Me, I'm Drowning in Debt - I Need Help with Debt Now If you’re thinking, “Help me! I’m drowning in debt. I need help with my debt right now!” You’ve come to right ... Read More
Consolidate Credit, Debt Care & Credit Counselling Solutions
Consolidating Credit Payments, Solutions and Counselling Services - Form an Alliance With Us to Take Care of Your Debt Credit counselling services and consolidated debt ... Read More
How to Manage Money Better with These 6 Money Management Tips
How to Manage Money Better with These 6 Money Management Tips By Debra Pangestu For many people, knowing how to manage money better is one of the keys to achieving their ... Read More
5 Step Plan to Debt Reduction and Better Budgeting
5 Step Plan to Debt Reduction and Better Budgeting By Debra Pangestu Falling behind on your credit card and loan payments can leave you feeling powerless, but with some ... Read More
3 Ways People Destroy Their Credit Score
3 Ways People Destroy Their Credit Score Credit scores take years to build up and only a few small mistakes to destroy. Keeping your credit score high can help you to get Read More
How to Budget Your Money: Budgeting Tips to Help You Save
How to Budget Your Money: Budgeting Tips to Help You Save By Debra Pangestu When it comes to knowing how to budget your money, it’s all about creating a realistic ... Read More
Are Your Debts Haunting You? Overcome Your Fear of Debt and Become Debt Free
Are Your Debts Haunting You? Overcome Your Fear of Debt and Become Debt Free Everyone has something they’d rather not face -- whether it be credit card debt or a missed ... Read More
Top 5 Solutions When You Are Declined for a Debt Consolidation Loan
Top 5 Solutions When You Are Declined for a Debt Consolidation Loan In our last article we laid out the top five reasons why people are usually declined for a debt ... Read More
3 Ways to Get Out of the Overdraft Protection Debt Cycle Once and For All
3 Ways to Get Out of the Overdraft Protection Debt Cycle Once and For All By Christi Posner If you’ve been living in overdraft protection for quite some time, it can ... Read More
Do You Need Credit Card Loss Insurance? Or is it Another Credit Card Scam?
Do You Need Credit Card Loss Insurance? Or is it Another Credit Card Scam? A range of credit card insurance options -- ranging from credit card loss insurance to credit ... Read More
Money Tips – 8 More Money Mistakes That Will Keep You Broke
Money Tips - 8 More Money Mistakes That Will Keep You Broke A while ago we shared some common money mistakes people make that keep them broke; however, a lot of you asked Read More
This Free Budget Calculator Spreadsheet Teaches You How to Budget and Get Out of Debt
This Free Budget Calculator Spreadsheet Teaches You How to Budget and Get Out of Debt By Christi Posner As both a Credit Counsellor and a personal budgeter, hear me when ... Read More
Get a Free Financial Assessment from the Credit Counselling Society
Get a Free Financial Assessment from the Credit Counselling Society By Christi Posner A free financial assessment from the Credit Counselling Society may be just what you Read More
Throwback, Look at Your Financial Picture & How to Pay Off Debt
“Throwback Thursday” and Paying Off Debt - What Can the Social Media Game and Web Trend Reveal? By Julie Jaggernath You might have seen or played a recent social ... Read More
Credit Counselling Society Awarded Great Place to Work for Third Year
Helping Canadians with Debt & Money Issues Makes the Credit Counselling Society a Great Place to Work For a third year in a row, the Credit Counselling Society (CCS) ... Read More
How to Plan for Unexpected Expenses, Budget & Money Management
How to Prepare for Unexpected Expenses With a Budget & Money Management Plan By Julie Jaggernath Winter came in with a vengeance this year. It didn’t just leave its ... Read More
3 Lessons from a Leprechaun About Money and Savings
3 Lessons from a Leprechaun About Saving, Using Credit Wisely and Being Debt Free By Julie Jaggernath If you could trap a tricky little leprechaun, what would you ask him Read More
Help with Debt & Dealing with a Collection Agency
Getting Help with Debt & Dealing with an International Collection Agency Q: I need some help with debt. Our family immigrated to Vancouver 2 years ago in search of a ... Read More
How Do Credit Card Limit Increases & Balance Transfers Really Work?
Does It Make Sense to Raise Your Credit Card Limit or Do a Balance Transfer with Convenience Cheques? By Julie Jaggernath Have you received an offer to raise the limit on Read More
Paying Down Debt Is a Bigger Deal Than You Might Think!
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Credit Counselling Society Wins Best Places to Work Canada for Second Time
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How to Get Out of Debt Quickly – for Those Nearing Retirement
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3 Steps to Get Out of Debt before Interest Rates Rise
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What to Think About Before Buying a Vacation Home
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How to Find a Trust Worthy Debt Help or Debt Settlement Organization
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How to Repay Back Taxes, Pay the Bills & Get Your Finances Back on Track
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Save Money with a Family Budget – Staycation Ideas for Spring Break
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Valentine’s & Holiday Debt Can Kill Those Lovin’ Feelings: How to Make Valentine’s Day Special Yet Affordable
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How to Tackle Credit Card Debt & Save Thousands of Dollars
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7 Steps to a Great Credit Score
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Debt Settlement Companies: The Good, The Bad and The Ugly
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Credit Counselling Society Wins National Credit Counselling Canada Award
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