Knowing the differences between secured and unsecured debts can help you choose the types of loans or other debts that work best for your financial situation.
What’s the Difference Between Secured and Unsecured Debts & Loans?
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Learn About Credit
We’re passionate about helping you develop money skills. Check out these informative blog posts about using credit responsibly and avoiding debt traps.
Get Your Own Credit Reports for Free from Equifax & TransUnion
There’s often a lot of confusion over credit reports and scores. Here’s how you can get free reports from Equifax and TransUnion – and what to do with them.
7 Things That Are Not On Your Credit Report
When and how to use credit responsibly and avoid debt traps. Find out what is and isn’t on your credit report.
How to Read Your Credit Report and Understand Your Score
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 holds a lot of power in your life…
3 Easy Mistakes that Can Destroy Your Credit Score
Credit scores take years to build up, but can get destroyed with only a few small mistakes. A good credit score can help you get better interest rates on loans and mortgages and can even help you rent apartments.
Why is Available Balance Higher than Account Balance | Overdraft Protection
Overdraft protection will make your available bank balance higher than your actual bank account balance. Overdraft is a loan, so find ways to budget for emergency expenses and save.
Use a Credit Card to Build a Good Credit Rating But Not End Up in Debt
Credit cards can be an easy way to build a credit rating because you only need to use them for a few small purchases each month. Here are some ways to do that.
How to Stop Yourself from Overusing Your Credit Cards
High school is a good time for students to start learning about credit. Here are a few things to consider as you look to learn a little more yourselves…
3 Common Credit Problems & How to Fix Them
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…
Reward Credit Cards: Are the Points Really Worth It?
How do you figure out if rewards cards are worthwhile? Here are some of the potential drawbacks of using a credit card with rewards…
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?...
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.