Financial Education
We’re passionate about helping you develop money skills.
SMART Financial Goals

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.

Budgeting App Pros & Cons

The Pros & Cons of Budgeting Apps for Canadians

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.

Disputing a Credit Card Charge

Dispute a Credit Card Charge in Canada & Get a Chargeback

Disputing incorrect credit card charges helps protect your hard-earned cash. Learning how chargebacks work now could save money and frustration later on.

Pros & Cons of 5 Top Programs & Strategies to Pay Off Debt

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 Stop Relying on Your Credit Cards to Make Ends Meet

How to Stop Relying on Your Credit Cards to Make Ends Meet

Credit cards come with steep interest rates, will add up to a mountain of debt if not managed carefully, and can set you up for a lot of stress when an unexpected emergency hits. Instead of being a slave to your credit cards to make ends meet, here’s how to switch over to better money management strategies to get a handle on your money and debt.

Christmas Budgeting Tips

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.

Free Bankruptcy Counselling & Alternatives that Work

Free Bankruptcy Counselling & Alternatives that Work

If you’re curious about declaring bankruptcy and want to look into free bankruptcy counselling, there are many ways to fix your financial problems. A certified Credit Counsellor is a great way to get more information and consider alternatives to bankruptcy you might not know about.

What Is the Bankruptcy Process in Canada?

What Is the Bankruptcy Process in Canada?

What is the bankruptcy process in Canada and is it a viable solution for your debt problems? When you’re struggling to pay off your debts and you’re inundated with collection calls and letters, easing your money worries and debt-related stress is top of mind.

Plan for Christmas and Beyond

Plan for Christmas and Beyond

Tis the season isn’t it? My husband and I have moved to Ontario from British Columbia and I feel as though the Christmas spirit has come a little early (likely because so has the cold weather)… Tis the season isn’t it? My husband and I have moved to Ontario from British Columbia and I feel as though the Christmas spirit has come a little early (likely because so has the cold weather) and thoughts are now turning to our plan for Christmas and the overall holiday season.

What You Need to Know Before You Shop on Black Friday

What You Need to Know Before You Shop on Black Friday

Are you searching online for Black Friday deals? Or checking out Black Friday sale items in your local flyers? Whether you’re shopping in Canada or heading south across the border to shop in the United States, it can be so easy to get drawn into the hype of Black Friday 2017 or Cyber Monday 2017.

How Do You Pay Off A Credit Card?

How Do You Pay Off A Credit Card?

We are often asked ‘How do you pay off a credit card?’ The majority of Canadians have multiple credit cards, and for a lot of people, it seems like their balances continue to grow larger and larger. While you may faithfully make your minimum payments every month, it may seem like you’re hardly making a dent in your balances.

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.