A home equity line of credit (HELOC) or loan can help you consolidate debt or pay for big expenses. Here’s what you need to know first to avoid debt problems.
Why Your First Checkup of 2021 Should Be a Financial Health Assessment
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.
4 Common Debt Consolidation Mistakes & How to Avoid Them
While debt consolidation might be your best option when you’re struggling with multiple debts and want a fresh start, here are 4 common mistakes to avoid.
13 Hidden Ways to Save Money on Groceries
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.
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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.
Will Declaring Bankruptcy Solve My Debt Problems?
When it feels like your debts are out of control, you might wonder if bankruptcy will solve your problems. It’s a big step and thankfully there are options to explore first.
Get Debt Relief from Your Mortgage, How to Avoid Foreclosure, Canada
If you’re struggling to make your mortgage payments or can’t pay your mortgage at all right now, there are things you can do that will help you to avoid foreclosure and manage your situation better.
2 Bills to Watch Out for After Receiving CERB and Payment Deferrals
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Five Reasons to Avoid Instant Payday Loans
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Best Location for a Debt Consolidation Loan in Ontario
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 we think you’ll want to know about.
Joint Debt Problems: How to Deal With and Avoid Joint Debts
Joint debts usually happen with the best of intentions. But when things go wrong, they can go really wrong for both people. Here are tips to help you sort things out.
Can You File for Bankruptcy and Keep Your House?
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How to Avoid Debt Settlement & Debt Relief Company Scams | Canada
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Debt Collection Agency Call or Letter, How to Communicate Effectively
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How to Get a Good Credit Score, Fix Bad Credit & Be Debt Free
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7 Things That Are Not On Your Credit Report
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Never Pay High Rates at Cheque Cashing Centres Again! Free Alternatives to Get Your Cash, Fast
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I Need Financial Help Right Now – Immediately | Canada
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How to Stop Collection Calls and Effectively Deal with Collection Agencies in Canada
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Is Bankruptcy My Best Option? 6 Instances When Declaring Bankruptcy in Canada May Not Be Right For You
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So Much to Lose if You Don’t File Taxes – File & Benefit Your Budget
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Can I Keep My Car If I File for Bankruptcy?
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3 Ways to Help Family or Friends in Financial Trouble
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How to Lower Fixed Expenses on Your Budget When You’re Paying Off Debt
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Dealing with Debts as a Homeowner or Renter During the COVID-19 Crisis and Beyond
Dealing with Debts as a Homeowner or Renter During the COVID-19 Crisis and Beyond Owning or renting a home can be a pricey undertaking. When you own, beyond the initial down payment, legal fees, closing costs, and property tax adjustments, there are a host of other...
Your Finances During the Coronavirus Outbreak, Is Your Emergency Budget Prepared?
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Steps for Effective Personal Finance Management and Planning
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Avoid an Unexpected Financial Crisis and What to Do If Disaster Strikes
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How to Find the Money to Pay Off Debts – Try a No Spend Challenge
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Almost Free from Credit Card Debt? 6 Things to Do to Stay Out of Debt
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13 Money Saving Tricks to Pay Off Debt Quickly
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4 Common Financial Goals – How to Make Them SMART & Be Successful
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New Year’s Resolutions: How to Set and Achieve Specific Financial Goals in 2020
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Year-End Checklist: 9 Things to Do for a Financially Successful 2020
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How to Get Through Holiday Spending When You’re Tackling Debt Repayment
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Christmas Budgeting Tips
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The Simplest Way to Track Your Money
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Where Can I Get Free Bankruptcy Counselling, Including Alternatives?
Where Can I Get Free Bankruptcy Counselling, Including Alternatives? 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...
What is Net Worth and Why is it Important When Dealing with Debt?
What is Net Worth and Why is it Important When Dealing with Debt? 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...
5 Reasons Why Declaring Bankruptcy May Not Be Right for You
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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...
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What is a Debt Management Program (DMP) and Will It Work for Me?
What is a Debt Management Program (DMP) and Will It Work for Me? 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. But what is a Debt...
What Is the Best Way to Handle Credit Card Debt and Debt Repayment?
What Is the Best Way to Handle Credit Card Debt and Debt Repayment? 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....
Money Management Basics: Top Tips for How to Manage Your Money
Money Management Basics: Top Tips for How to Manage Your Money 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...
5 Myths About Debt Payments – Fact versus Fiction
5 Myths About Debt Payments – Fact versus Fiction By Julie Jaggernath Do you know the difference between fact and fiction when it comes to debt payments? Whether you’re applying for your first credit card, or you’re a seasoned pro and juggle more cards than you care...
What Does It Mean to Set SMART Financial Goals?
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3 Strategies to Manage Money as a Couple with Debt or Income Disparity
3 Strategies to Manage Money as a Couple with Debt or Income Disparity 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,...
3 Smart Money Management Tips Revealed Through Winter Storms
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Christmas Bills and Holiday Debt Hangover, What Can You Do?
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Don’t Let Blue Monday 2019 Drag You Down
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Facing a Pay Cut or Reduced Income? Here’s What to Do Right Now
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Kick Start Your Debt Repayment with a Cash Only Diet
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How to Pay Off and Make Joint Debts Work
How to Pay Off and Make Joint Debts Work You opened a joint account with the best intentions: to help your child as they started university, to rebuild credit for a struggling sibling, or to combine finances with your spouse. But joint debts — from lines of credit, to...
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What is Credit Counselling? Options to Get Help with Debt, Credit Repair & Rebuilding – More Than the Banks Can Offer
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Credit Reporting & Credit Ratings – 3 of the Worst Myths Debunked and Explained
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Convince a Landlord to Rent to You Even with Past Credit Problems
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What You Should Know Before Consolidating Your Debt
What You Should Know Before Consolidating Your Debt Q: I have a question about debt consolidation. With all the bad news lately about people losing their jobs and how much debt we’re all carrying, I know I need to get my debt under control for good. The problem is...
What Is the Best Way to Pay Off Debt? Snowball vs Avalanche Explained
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The Early Warning Signs of Financial Problems
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Getting Rid of Debt – What to Know About the Best Way & If You Need Help
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How to Read Your Credit Report
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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.