Manage Money Better

Last minute holiday shopping can quickly push spending onto your credit card. Learn how stress, timing, and simple planning tips can help you stay in control.

Learn how to protect yourself and loved ones from scams and fraud with practical tips for spotting red flags, safeguarding your information, and using your bank’s security tools.

Facing a pay cut is scary, but there are steps you can take now to protect your money and finances. Here’s what to focus on when your income will be reduced.

Is your summer budget setting you up for fun, or for future debt? Learn how to enjoy the season without relying on credit or “buy now, pay later” plans.

Budgeting apps can be a great tool to help manage your spending, but they don’t work for everyone. Here are some pros and cons to consider before downloading.

AI tools make financial advice more accessible than ever—but are they truly helpful or just too good to be true? Read on to explore the pros and cons.

Almost half of Canadians live paycheque to paycheque. Learn practical steps to cut costs, build savings, and break the cycle—so you can take control of your money.

Tariffs may raise prices for Canadians, straining budgets. Stay resilient by learning how to adapt with our practical tips.

Managing money with ADHD doesn’t have to feel like an uphill battle. By automating your finances, making budgeting visual, and celebrating small wins, you can create systems that work with your brain—not against it—and take control of your financial future.

Pet ownership on a budget doesn’t mean sacrificing your pet’s happiness—or your own. Learning how to afford a pet on a budget can keep them happy, and your finances healthier too!

For anyone looking to eat out for less, we share 7 more tips to save money when eating out.

Achieving your New Year’s financial goals can be tough as your motivation can wane in later months. Here are 4 tips that will help you change your resolutions into results.

The cost of eating out can quickly add up. Here are 6 tips for those who really like to eat out or pick up take-out to reduce the cost and stretch your budget a little further.

Is it even possible to throw a kid’s birthday party on a budget? We’ve got some tips to save money and still have fun

Here’s a closer look at what it means to be intentional with your spending – and how you can adopt this way of living to help you get out of debt.

How to Lower Your Fixed Monthly Expenses to Pay Down Debt Faster By Carmen Chan You’ve got your mortgage and car loan to pay, credit card...

Faced with rising costs, increasing debt levels, and a turbulent housing market, the more financial literacy and know-how a GenZ is equipped with, the better.

Thinking of Taking Your CPP Retirement Income Benefits Early? Financial, mental, and physical health are key factors to consider before making...

How do you chart a path to achieve our goals this year? Here are practical steps to get your financial house in order by the end of the year.

The time to make a plan for how to weather the storm, financially and otherwise, is before you’re affected, but if you’re looking at a situation like this right now, here’s what you can do.

When it comes to person finances, if you’ve asked yourself, “Why didn’t they teach us about this in school?!” you’re not alone. Here’s how to improve your financial knowledge and skills.

Home renovation costs can be hard for anyone’s budget. Proper planning and preparation are key. Here are some tips to remodel without breaking the bank.

Learn why you should file your taxes, the federal benefits tied to personal income tax returns and penalties for filing late. Call for help 1-888-527-8999.

It’s Fraud Prevention Month, it’s also a time when we’re gearing up for spring cleaning, here’s how ‘tidying up’ your finances can help you avoid fraud.

Our healthy money tips can help you build up your resilience and avoid the dreaded ‘financial hangover.’

Financial Literacy Month (FLM) is a great time to check in with your money. Here are some helpful tips for improving finances during FLM.

Financial Literacy Month (FLM) is a great time to check in with your money. Here are some helpful tips for improving finances during FLM.

An instant online payday loan might seem like a solution to your problem. But using high-interest credit to make ends-meet can cause hardship.

To manage higher grocery, housing, and utility costs, it’s crucial to focus on things you can control. Here are 7 tips you can implement right away.

Social media has its place but it has taken buying what we want vs. what we need to new heights. Awareness is key to taking back control of your money.

If you’ve had past credit problems and are afraid of a credit check, show how you’re resolving problems, create a solid budget, and follow these best practices.

Do you want in on a secret? Financially successful people have good personal money management habits. Here are 6 you can do too, plus simple how-to tips.

Practical budgeting tricks for beginners and the experienced alike to help keep your catch-up spending within your means and easy on your wallet post-pandemic.

Join the #LearnWithCCS gift card draw for monthly chances to win $50 while learning how to use money wisely and get out or stay out of debt. Entering is free!

Need to file your taxes soon? Here’s how to decide if you should do it yourself or hire a professional tax preparer, including key filing preparation tips.

It’s important to know how to guard your hard-earned money from scams and fraud as criminals get better at stealing. Here are 5 ways to help protect yourself.

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.

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.

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.

Emergencies can happen anytime and 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.

If you are struggling with your finances and you’re thinking, “I need financial help right now! Fast!” We can help you.

Side hustles are a popular way to make extra income, but they can do more harm than good. Here are 4 reality checks to make before you start one.

For some people, personal finance management is a passionate hobby, while for others it’s a daunting chore. Either way, personal financial planning – including budgeting, tracking your spending, and saving – is crucial if you want to get out of debt and reach your financial goals.

Sometimes catastrophe strikes and we end up in a financial crisis. From natural disasters, large-scale pay system errors, illnesses, or sweeping layoffs, Canadians can face major financial emergencies, leaving them suddenly without steady pay or on the hook for significant expenses.

Here are 4 of the most common financial goals we hear and what to do to make them SMART. A goal that is specific becomes measurable. Once it’s measurable, you can ensure it’s attainable and realistic.

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...

As yet another year draws to a close and a new decade begins, it’s time to reflect on the past 12 months, how you’ve fared with paying off debt, managing your budget, and what you’d like to do with the year ahead.

Looking for the simplest way to track your money? Our income & expense alternative budgeting tool will help you manage your finances with ease. 

Working towards your financial goals is a great, proactive move, but if goals are unrealistic, you could be setting yourself up for disappointment and veering off track.

From paying off debt to creating an emergency fund and getting savings in the bank, your financial fate hinges on key money management basics. Getting familiar with the fundamentals of how to manage money lays the groundwork to achieving your financial goals.

Managing money as a couple can be tricky to sort out with two incomes and two financial situations merging. While you’re trying to manage money jointly, there could be major disparities in pay, previous debt loads and differences in budget and lifestyle expenses.

The severe winter storms in both Canada and the States should cause us to think about our finances. Three smart money management tips gleaned from Old Man Winter include saving on heating costs, planning for emergencies, and preventing costly health and medical expenses.

Personal finance experts swear by a cash-only diet to kick start challenging goals. It’s often recommended because it force you to do two important things…

It’s always surprising how so many people seem to be doing fine with their finances and then within a fairly short amount of time they encounter serious financial difficulties…

Today the Bank of Canada raised the interest rate that all banks base their Prime rate on, and if this continues, what can you do to protect yourself from rising interest rates? Here are 7 ways…

When life presents us with challenges, we think “We can handle it.” And sometimes we wonder, “Maybe I need help immediately.” This is no different for our personal finances…

Getting our finances in order is a common New Year’s resolution, and one of the best things you can do to achieve this is to know how to set financial goals.

Financial freedom is something many of us hope to achieve in the future, and developing good personal finance habits now can make a world of difference down the road.

Canadians are becoming more and more indebted. Debt will follow you for a long time and can affect your credit rating. Getting a credit card, a job or even an apartment can be difficult…

Getting a cash advance on your credit card may sound like a convenient way to get money when you’re in a bind, but there’s a steep price to pay for the convenience. In the long run, it’s usually in your best interest to avoid a cash advance and to look into other options, which we’ll discuss in this article.

Knowing how to manage money better is a key to achieving your financial goals. Knowing how to manage your finances takes some time, but incorporating these tips will set you on the right track.

A while ago we shared some common money mistakes people make, and a lot of you asked for more money tips. So, here are eight more money mistakes that keep a lot of people in the “being broke” cycle.’><meta name="twitter:site" content="@CrdtCounselSoc

Financial literacy isn’t something we are born with, but it is as important a life skill as reading, writing and arithmetic. As parents struggle to do the best they can, they often don’t…

Moving across the country from Vancouver to Toronto for your spouse’s work might be an exciting career opportunity, so plan ahead to make the transition time and budget as easy as possible.

Clean up your finances with these spring cleaning tips. How to save and spend less on cable, cell phone bills, bank fees and more.

Rather than playing catch up each year with a loan, you need a plan that will allow you to make monthly contributions without borrowing…

Taking action instead of worrying about your financial situation and debt problems will get your retirement back on track and make your golden years truly golden…

When we see a friend, employee, co-worker or family member struggling to cope with everyday life it’s hard not to become concerned. Thinking that there might be more involved…

Creating special occasions to justify our spending can be extremely costly. So, here are 5 tricks to keep your cash safe from yourself with some wise words from a lucky leprechaun…

From high consumer debt levels to interest rate hikes, Canadians need to change how they plan financially for retirement and more importantly, start actively planning for their golden years…

New Year’s resolutions are easy to break so change your language: instead of resolutions, refer to them as goals which imply progress, steps, measurable achievements, setbacks and successes…

Life events happen to us all, they can either be positive or devastating. Preparation is the key to surviving these unavoidable life events financially intact…

As with any travel plans, you’re wise to consider the financial implications of your decision ahead of time, and then prepare accordingly. Here’s a checklist to get you started…

It’s become so normal to owe on credit cards, lines of credit and loans that most people don’t know how to live without debt…most have grown up seeing debt as a normal part of living…

In the excitement of buying a first home, many people spend more time deciding on paint colours than on establishing a contingency plan for when their circumstances will change…

Wouldn’t it be great to wake up and know exactly what the day held in store for you? Financially speaking, wouldn’t it be great to know what the next few months or years might mean to you?…

It’s not how much you make, but what you do with what you’ve got. Proper money management doesn’t involve a magic formula; it simply means getting the most from the money you have…

There are a few things to consider when you’re thinking about making large purchases, like TV’s and electronics, south of the border…

While some people are proactive and plan for the unexpected, the vast majority are reactive, living paycheque to paycheque rather than planning ahead – you may be setting yourself up for disaster…

Tempting as it may be, procrastinating to file your taxes will only make it worse. Filing late might mean that with interest and penalties, your balance owing is only that much more painful…

Have you ever wondered what the best things are that you can do for your financial future? Here is our list of the 7 smartest things anyone can do for their finances…

Without a plan to reduce your debt level, your debts, unfortunately, may not face retirement at the same time you do…

People have financial problems for all sorts of reasons. The simple truth is that many people’s finances are completely disorganized. If you can’t find your bills, how are you supposed to…

Why does it feel like managing my money is so much work? It’s hard to stay focused. What can I do?…