Strike action at work puts stress on you and your finances. Here are some tips to help you deal with decreased income during a strike.
We’re passionate about helping you develop money skills. Check out these informative blog posts about dealing with debt and achieving financial wellbeing.
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 of dedication you’re nearly debt free. Now that you’re in the green, have you thought about what you’re going to do with the extra cash you’ll no longer put towards debt repayments?
Don’t Fumble Your Finances – Lessons From the Superbowl
Do you ever wonder what it takes to score a financial touchdown? When it comes to your finances, the stakes can feel as high as the Superbowl. Success takes training, practice, and effort.
When Is “Joint Debt” Not Really Joint? Authorized Users & Guarantors
What is the difference between Joint Debt, an Authorized User, and a Guarantor? We’ll explain all this plus some strategies to use each more effectively.
Strata & Condominium Fees – How to Catch Up with Arrears
Falling behind on condominium or strata fees is stressful, but there are ways to dig out of a hole. Call 1-888-527-8999 for free and confidential help.
Why Easy Online Cash or Payday Loans Don’t Exist
When you need cash now, applying for an instant online payday loan e-transfer can seem like an easy solution. Here’s why it’s anything but.
How Much Debt is Too Much? 5 Warning Signs to Watch Out For
Not sure how much debt is too much and worried you might be in trouble? Here are 5 warning signs of debt to watch out for and what you can do about them.
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.
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 you’ll want to know.
Joint Debt Problems: How to Deal With & 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 some tips to help.
How to Deal with a Debt Collection Agency Call or Letter
Learn how to communicate effectively with a debt collector or debt collection agency. We can help you in dealing with your deb, contact us today!
Should I Save for My Future or Pay Off My Student Loans?
What Should You Focus on: Getting Out of Debt or Saving for the Future?
How to Stop Collection Calls & Creditor Harassment
Learn 4 helpful steps to stop collection calls and creditor harassment you can do on your own without even having to involve a Canadian debtors association.
How to Stop Collection Calls & Deal with Collection Agencies in Canada
Being on the receiving end of collection calls is a difficult situation for anyone to be in, but there are laws in place to protect you when dealing with debt collectors. Here are tips to help you know how to stop collection calls.
Should I Pay Off Debt or Save Money?
Getting out of debt is a common New Year’s resolution, but wanting to save is just as common. These points will help you decide what to do with your money.
Help, I’m Being Sued! What To Do When You Get a Notice of Claim for a Debt
Here are 3 steps you should take if you’re being sued by a creditor and you received a Notice of Claim. If you’re still unsure about what to do once you receive a Notice of Claim, call us for help!
12 Most Effective Ways for How to Get Out of Debt in Canada
Learn the fastest and most effective ways of getting out of debt in Canada. Find what works best for your situation. The more of these you can apply, the faster you will get out of debt.
How to Pay Debt Off With No Money
Are you wondering how to pay off debt with no money? Maybe you’re living pay cheque to pay cheque. Here’s what you can do to get back on track and climb out of debt.
Is Downsizing Your Home When You’re in Debt Worth It?
Will downsizing your home solve your debt problem, or cost more than it saves? Figure out why you’re in debt before shopping for a smaller home. Here’s how.
How Do I Help Family or Friends in Financial Trouble?
Loaning money isn’t the only way to help a family member or friend in financial trouble. Here are 3 ways to support them in their time of need.
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 hand? Carrying debt is a common narrative for Canadians across the country. Here’s a look at 7 common debt repayment mistakes that are stopping you from becoming debt-free.
Pros & Cons of 5 Top Programs & Strategies to Pay Off Debt
Do you ever wonder about the top strategies to pay off debt? The path to being debt-free requires dedication, persistence – and most importantly careful planning and strategizing to fit with all of life’s circumstances. When you have credit card debt on multiple accounts and owe many creditors, these debts won’t magically go away.
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 off debt. While there’s so much emphasis out there on cutting back your discretionary spending to free up cash to apply to debt repayments, how often are you looking at making changes to your fixed expenses too?
Dealing with Debts as a Homeowner or Renter During a Crisis & Beyond
Owning or renting a home can be a pricey undertaking. How do you manage these costs when you’re also struggling with debt and the economic uncertainty of a pandemic?
How a No Spend Challenge Can Help Pay Off Your Debts
If you’re looking to find the money to pay off debt quickly, or even jump start your savings fund, taking on a No Spend Challenge is a great tactic to curb your spending.
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 lenders until you’re officially debt-free. If you stay focused and plan strategically what you’re doing with your income, you can pay off debt faster.
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 amassing net worths with at least six figures, but calculating your net worth as an every day Canadian consumer can be worthwhile too.
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 (DMP) may be an ideal solution to help you stay organized and out of the red.
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 off credit card debt is one of the biggest financial hurdles Canadian consumers grapple with.
5 Myths About Debt Payments – Dispelling Fiction with Facts
Applying for a credit card or loan is the easy part; using credit wisely can be much harder. Managing debt payments is crucial to using credit. Myths around how much to borrow, how much to pay, when to pay it, and what to do if you can’t afford to pay abound. Here are 5 myths; can you tell fact from fiction?
Christmas Bills and Holiday Debt Hangover, What Can You Do?
For many Canadians it’s “that” time, to face the monumental task of dealing with the Christmas bills and holiday debt hangover, now that the Christmas tree has been taken down and the decorations put away. This can be a very stressful for time and cause a lot of money worries.
Don’t Let Blue Monday Drag Down Your Finances
Blue Monday 2019 pops up in the already tough month of January. The holidays are done, the decorations are in storage, we’re in the middle of winter, and depending on where you live in Canada, you may have at least 3-4 months left of the white stuff.
Which Debts Don’t Need to Be Paid Down First?
When you are trying to figure out how to get out of debt quickly, you might have some debts that don’t need to be paid down first…
What is Credit Counselling? Get Help with Debt, Credit Repair, Options
There are some typical warning signs that debt is becoming a problem, but most people wait, sometimes for several years, before asking for help…
How to Pay Off Debt with the Snowball or Avalanche Method
Paying debt off takes time & work. Motivation is a key ingredient. Snowball vs avalanche; choose the method that works best for you & get help if needed…
Getting Rid of Debt – What to Know About the Best Way Plus More Help
Credit cards, car loans, consolidation loans, and bills – does it feel like all you ever do is make payments? We’re happy to help you find the best way to get rid of your debt…
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 get out of debt more quickly…
Need to Pay Off Your Debt? Here Are Some Great Insights
I consistently get asked ‘How do I pay off debt?’ It’s a great question, but I think before we look at strategies, we should consider some things first…
Seniors & Debt: A Growing Problem That We Can Help Fix
You are a senior or about to be? You are getting ready to head down the golden path of retirement? Nothing ahead of you, but relaxation, grandkids, and debt. Yes, debt…
How to Get Out of Debt? How You Drive Might Matter
If you’re looking for more money to help you get out of debt and you often drive aggressively, you may not have to look any further than your own driving to find some extra money to help you out.
Is This Missing in Your Plan to Get Out of Debt and Become Debt Free?
Your plan to get out of debt & become debt free could be missing a key ingredient. The right kinds of motivation means you have nothing prove. Learn more now.
4 Key Debt Reduction Strategies | Credit Counselling Society
Struggling with debt can feel like you’re carrying an extra person around on your back. Here are some helpful debt reduction strategies to take advantage of.
The First Step in Paying Off Debt When You’re Struggling
First of all, no one likes being in debt. The thought of what you owe and the feeling of the burden you carry is always there, weighing you down. But like any challenge, there is a way out…
How to Reduce Debt – Power Tips, Ways, & Methods
If you’re wondering how to reduce your debt as fast as possible, we’ll show you the best ways to reduce debt, pay off credit card debt quickly and strategies and tips that really work…
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 healthy, which is why it’s important that we understand how to deal wtih debt stress.
How to Communicate with Collection Agents & Regain Control
There are strict rules and regulations in most provinces that govern actions of collection agencies and their collectors. It’s in your best interest to understand these rules and know your rights…
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 to get out of debt. Becoming debt-free is a possibility for everyone; all it takes is some time and dedication to implement new financial habits.
Help Me, I’m Drowning in Debt – I Need Help with Debt Now
Find out how to get the help you need with debt now so you can get your finances back on track. In Canada debt relief options are available. Find out what options may be available to you.
Reduce Your Debt and Budget Better with this 5 Step Plan
Falling behind on your credit card and loan payments can leave you feeling powerless, but with some debt reduction tips and good budgeting habits, you’ll be able to eliminate debt and become financially free.
3 Ways to Get Out of Overdraft Protection Debt Cycle Once and For All
Your overdraft can easily become a never-ending cycle of borrowing money that’s very difficult to break without a plan. Good news is, we’ve got three ways for you to pay off that overdraft, drop that debt, and escape those hefty fees and interest.
Get a Free Financial Assessment and Explore Debt Solutions
Get your free financial assessment from the Credit Counselling Society and feel that debt relief you so desperately crave! Call us today. 1-888-527-8999.
Help with Debt & Dealing with a Collection Agency
When you can’t afford to pay & need help with debt, know your rights and communicate effectively when dealing with a collection agency. Find out what your options are, 1-888-527-8999.
Is Paying Down Debt Really a Big Deal for Your Finances?
I have about $8,000 in credit card debt and I’m wondering if it would be better to pay down my debt with my income tax refund instead of contributing it to my RRSP?
5 Signs That You Need Professional Help with Your Debts & Not DIY
It can be hard to ask for help with debt, but living with it is harder. Get help from a professional credit & debt counsellor to create a plan to end your stress and money worries. 1-888-527-8999
When Paying Off Debt, If It Sounds Too Good to Be True, Get the Facts
When considering a serious financial decision like a Consumer Proposal, it’s important to have all the facts. For starters, a Consumer Proposal isn’t a slam dunk; you creditors must approve…
Inheritance Dilemma – Save & Invest or Pay Off Debt | Retirement Plan
We’ve just received $250,000 from an inheritance and are getting different opinions – should we save, invest or pay off debt? We’re not sure what to do, any suggestions?…
Is Selling a Home to Pay Off Debt a Good Financial Idea?
Deciding whether or not to sell a home is never an easy decision, especially if you’re not sure if it’s the right solution over the long term. Here are a few things to consider…
Overview of How to Get Out of Debt in Canada
Here is a quick overview of how to get out of debt along with tips and advice to help you succeed.
Use a Debt Management Program to Get Out of Debt
Learn how a debt management program can help you consolidate debt into one easy monthly payment that fits your budget. For more information, call 1-888-527-8889 today.
How to Keep Your Resolution to Shed Your Debt Weight & Get Out of Debt
A successful plan to shed debt weight is similar to a weight loss plan. Both require discipline, a check up to determine where you’re at and a reasonable timeline to achieve your goal…
How to Get Out of Debt Quickly – for Those Nearing Retirement
What can you suggest as we would like to know how to get us out of debt sooner? If you are serious about getting out of debt sooner, you will need to make some decisions going forward…
How to Repay Back Taxes, Pay the Bills & Get Finances Back on Track
I cashed out some of my RRSPs last year to pay down my credit cards, I got my assessment back and now I owe. I’ve not sure how I’m going to be able to manage my bills. What do you suggest?…
What Is the Best Thing to Do with Your Tax Refund?
It’s easy to lose sight of the fact that an income tax refund isn’t free money from the government. The bottom line is you work hard for your money and it should work every bit as hard for you…
Medical Debt – Declined for Debt Consolidation Loan – Home Refinance
I’m a stay at home mom and my husband’s been on short term disability for almost a year, recovering from an injury…
How to Tackle Credit Card Debt & Save Thousands of Dollars
How to Tackle Credit Card Debt & Save Thousands of Dollars Q: Each year, I resolve to tackle my credit card debt and I never seem to get...
Gambling: How to tell if you’ve gone too far
When Does Gambling Stop Being “Just for Fun” and Become Problem Gambling?
Not sure which option is right for you?
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.