We’re passionate about helping you develop money skills. Check out these informative blog posts about dealing with debt and achieving financial wellbeing.
If you’re a Canadian homeowner, you might be wondering if your budget is ready for higher mortgage rates. If the idea of renewing your mortgage has you stressed, Here are some tips to get your budget ready for higher mortgage rates.
If you’ve been struggling with debt, a payday loan can look like the perfect solution. It’s quick, easy, and not that expensive. Or is it? We’ve got tips and key questions to ask before applying.
One-million clients helped is an impressive milestone, but for those at the Credit Counselling Society (CCS) it’s also bittersweet.
If you’re really struggling with your payday loans, learn how turn things around, escape the payday loan cycle, and look forward to a better financial future.
Student loans, rent, groceries – and don’t forget your beer money! Finding your financial footing in your 20s isn’t easy. Here’s a look at the key steps Gen Zers should take to conquer your debts and boost your savings.
Here’s how to stay focused and determined while on your journey of getting back in control of your money and paying off your debts.
Summer time fun can add up quickly. Before you get carried away, consider your exit strategy from debt and then plan your spending accordingly. Here’s how.
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.
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?
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.
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.
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.
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.
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.
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.
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 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.
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!
What Should You Focus on: Getting Out of Debt or Saving for the Future?
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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?
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?
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.
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.
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.
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.
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.
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?
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.
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.
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…
There are some typical warning signs that debt is becoming a problem, but most people wait, sometimes for several years, before asking for help…
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…
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…
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…
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…
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…
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.
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.
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.
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…
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…
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.
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…
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.
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.
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.
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 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.
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.
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?
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 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…
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?…
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…
Here is a quick overview of how to get out of debt along with tips and advice to help you succeed.
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.
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…
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…
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?…
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…
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 Q: Each year, I resolve to tackle my credit card debt and I never seem to get...
When Does Gambling Stop Being “Just for Fun” and Become Problem Gambling?
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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.