Money Management Blog
Welcome to the Credit Counselling Society’s Blog.
Debt Help Blog
Bankruptcy, Budgeting, Credit Counselling & More
Learn all sorts of great ways to manage your money better, solve your debt problems, and use your credit more wisely. We also tackle a lot of credit myths and misconceptions. Do you have questions about money management, budgeting, or credit? If you need advice or help with your debts email us your questions or chat with us online. We’re happy to help.
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Medical costs are rising faster than everyday inflation, and it doesn't take much for a bill to become a balance. Here's how insurance, federal programs, and tax credits can help close the gap, and where to turn if you're already dealing with debt.
Starting from zero doesn't mean starting alone. One bank account and one secured card are usually enough to open a Canadian credit file lenders can read, even if you're arriving with years of credit history abroad. Start here.
Your mortgage and car payment feel fixed, but more of your budget is negotiable than it looks. Here's how cutting subscriptions, renegotiating insurance, and lowering your interest rate can free up room to pay down debt faster.
Student loan debt can affect your life in many ways. Read about the negative effects of having a problem repaying this kind of debt and who can help solve it.
June carried $48,000 in credit card and overdraft debt into retirement, watching payments vanish into interest for years without the balance moving. A debt management program changed that. Here's her story, in her own words.
A new school year for your kids means buying new school supplies, backpacks, clothing, and technology. Or does it? Here’s how to maximize your back-to-school budget.
Lending money to family can start small, then quietly become a pattern that strains your finances and the relationship. Learn how to set clear loan terms, protect your own financial plan, and know when helping turns into enabling.
Blending two households means combining money habits, histories, and values, not just furniture and belongings. Five practical strategies help blended families budget fairly, structure bank accounts, and set shared goals without conflict.
Needs and wants can blur together fast, and most spending happens somewhere in between. This guide walks Canadian readers through where that line sits, from real examples and impulse spending triggers, to what to do when the wants start creating debt.
Parental leave means a real drop in income, and the bills keep coming. This guide walks Canadian families through the financial side of leave, from building a budget and managing debt, to what to do if the numbers fall short.
Watching the market climb while carrying debt can make investing feel urgent. Here's what the numbers say about both decisions, and why paying down high-interest debt is often the stronger move.
Debt stress and financial anxiety reinforce each other in a cycle that's hard to escape. Here's why it happens and practical steps Canadians can take to start turning things around.
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