Building a good credit history is important for using tools like credit cards and mortgages. However, your credit score isn’t worth obsessing over. Here’s why.
Why Your Credit Score Isn’t Worth Obsessing Over
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Credit Scores and Ratings
We’re passionate about helping you develop money skills. Check out informative blog posts about what credit scores and ratings are and how to improve them.
How to Fix a Bad Credit Score
Wondering how to improve your credit score? Learn how you can resolve four common problems affecting Canadians.
5 Steps to Rebuild Credit in Canada
If your credit is down, here are 5 steps you can take to rebuild your credit score and keep it strong.
Credit Reporting & Credit Ratings – 3 of the Worst Myths Debunked and Explained
Credit reporting and credit ratings are two of the most asked about personal finance topics, and here are 3 of the worst credit myths debunked and explained…
How to Rebuild and Improve Your Credit Score 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 your credit score is just a number…
How to Get a Great Credit Score with These 7 Steps
Have you ever wondered if only rich people have awesome credit scores? Wonder no longer. The truth is you don’t have to be rich to have an awesome credit score…
Why Is a Good Credit Rating So Important for Our Finances?
A good credit rating doesn’t cost you anything. All that is required is that you use credit carefully, pay your bills on time and set money aside to manage unforeseen emergencies…
Calculating Your Credit Score: Breakdown with 5 Key Factors
Ever wondered how your credit score is calculated? We will tell you exactly how credit scores are determined and then allow you to get a rough estimate of what your credit score might look like…
How do Parking Tickets Affect your Credit?
You may have forgotten about your old parking tickets, but have they forgotten about you? Some people think that if they don’t pay their parking tickets and just ignore them, they will some how go away. From our experience, parking tickets don’t always go away. Old, unpaid parking tickets often show up on people’s credit reports.
Does your credit score fall every time someone checks it?
Has anyone ever told you that every time someone checks your credit, it lowers your credit score? While there is some truth to this claim, there are some exceptions…
Budgeting for Retirement When Living Costs Are High
It can be easy to let saving for retirement slip from your budget. However, to avoid drastic financial solutions later on, it’s important to find ways to stay on track with your savings goals. Here are some great ways to do this.
Want to be Financially Prepared for Anything?
Getting yourself financially prepared for anything that comes your way may feel overwhelming, especially living “interesting times” Clearly, you can’t predict what’s coming next, but you can ‘expect the best and prepare for the worst’ when it comes to your finances.
6 Smart Money Moves to Make in January, June or Any Other Month
Wondering what kinds of smart moves you could make to get ahead financially? If your budget isn’t working or you’re not seeing your credit card balances go down, it's time for some changes.
Learn How to Set SMART Financial Goals
Learn how to set SMART financial goals to help achieve your objectives, whether it’s to pay off credit card debt, save for retirement, or another money goal.
Should Working, Adult Children Who Live at Home Pay Rent?
Parents can struggle with the idea of charging rent to their working, adult children. Here’s why paying rent could help you and your kids living at home.
How to Pay Off Debt and Bills Quickly in Canada
Two key parts of money management to help you achieve financial success. Tips and things to keep in mind to help you achieve your goals as fast as possible.
Great Ways to Conserve Electricity and Save Money at Home
Shuddering at the sight of your latest electric bill? As the weather continues to fluctuate throughout the seasons, costs can soar during the hot summer months and the chillier winter months. However, you don’t have to put up with high utilities bills. With a few simple changes to your daily habits, you could significantly reduce your home electricity usage. Here are a few ways you can lower your electric bill and save money.
3 Tips for Solving Money and Family Budget Arguments
Arguing with loved ones about money problems that are hurting your relationships? Here are 3 tips to help you solve and avoid family budget disagreements.
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 ...
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 the rates of the coronavirus (also known as COVID-19) continue to spread around the world, school and business closures as well as social distancing and isolation measures are becoming more widespread.
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 costly festivities. For Canadians grappling with credit card debt and debt repayment, it’s a tricky time of the year to keep finances in check.
Christmas Budgeting Tips
If you’re wondering how you’re going to pull off avoiding your credit card and adding to your debt during the holiday season, we’ve got your back. Here’s our list of practical ways you can steer clear of extra spending during the holiday season that covers different vantage points from economical, creative, and even personal.
Is the Rising Cost of Living Stressing You Out? Tips & Solutions
The rising cost of living is stressful. Living pay cheque to pay cheque can feel like a never-ending cycle of frugal choices & credit card debt. Look to cut costs with daily spending & expenses. Keep your eye on your future with tips & solutions for saving money.
How to Make a Personal Expense Tracker Work for You
Tips and suggestions to help you find a personal expense tracker that will work best for you.
Stop Living Pay Cheque to Pay Cheque – Break the Cycle with 3 Steps
Living pay cheque to pay cheque can feel stressful & hopeless. Break the cycle: think differently about money, track spending & temporarily pay with cash.
Ways to Save Money for Financial Goals, 5 Steps Everyone Can Do
5 steps to saving money: set goal, break it down, find ways to save, increase income & stash the saved cash. Plus tips to make it easier!
How to Budget Your Money: Budgeting Tips to Help You Save
When it comes to knowing how to budget your money, it's all about creating a realistic spending plan that will help you manage your money better. Spending money can be fun, but if you end up spending more than you earn, it can be misery making.
Free Budget Calculator Spreadsheet to Help Get Out of Debt
This free budget calculator spreadsheet will teach you not only how to budget, but also how to get out of debt. If you're ready to take control of your money, this budget calculator spreadsheet is for you.
Throwback, Look at Your Financial Picture & How to Pay Off Debt
Try the social media game, #ThrowbackThursday, to see where you stand with paying off debt. Do you owe more, less or the same as 3 years ago? Tips to improve your financial picture.
How to Plan for Unexpected Expenses, Budget & Money Management
Here are 5 steps to make a budget plan for unexpected expenses and to manage money for savings. Hope for the best and plan for the rest! If you need help, call 1-888-527-8999.
3 Lessons from a Leprechaun About Money and Savings
Leprechauns are known for having a pot of gold coins. What lessons could we learn from them to help us get out of debt and begin to turn our situations around for the better.
3 Ways to Create a Personal Budget Plan with Irregular Income
Are you a self-employed entrepreneur, commission-based or seasonal worker, or student with a loan? Here's the trick to making a budget that works for you.
How to Get Organized with Money and Finances
Being organized with money and finances is about more than paying bills on time and dealing with debt. Set up a system that helps you reach your financial goals.
Managing Money and a Line of Credit When You’re Self-Employed
We’ve got all the typical family expenses, but it’s the line of credit that I use for work as a lawyer that is stopping us from getting pre-approved for a new mortgage. What can we do?
Budget Planning for Kids & Teens Getting Their First Pay Cheques
Do you have a teen who is starting to get their first real pay cheques? Helping them learn how to manage their pay cheques teaches them skills that last a lifetime…
How to Help a Senior Parent Budget & Manage Money
Have some patience as you help a senior parent budget and manage money for health care expenses on their own.
How to Help Your Teenager Learn to Budget & Save
My teenager has been working, but seems to spend his money as fast as he can earn it. What can I suggest to him so that he learns how to budget and save?...
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Get answers from an expert.
With so many debt consolidation options out there, it can feel overwhelming to try and find the right one by yourself. One of our professional credit counsellors would be happy to guide you through this process by carefully reviewing your whole financial situation with you and answering any questions you have. Speaking with our certified counsellors is always free, confidential and without obligation.