Bad credit loans, unsecured personal loans, debt consolidation. How they work, pros & cons, bad vs good lenders, qualifying, approval & getting out of debt.
Looking for the best debt consolidation options and considering credit consolidation loans? Here’s what to know with answers to 8 common questions.
Learn 75 good money saving tips that can bring down your household expenses each month. Registration for this webinar seminar is free. Book your spot today.
Learn how to deal with marketing tactics that use spending psychology to sell to you. Registration for this webinar seminar is free. Book your spot today.
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.
Know how to budget to manage money better. Learn in this personal finance for beginners webinar. Registration and attendance are free. Book your spot today.
Trying to get a debt consolidation loan with bad credit in Canada? Know the what, why, and how of consolidating with a loan, plus its dangers and alternatives.
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.
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.
Ever gotten a credit card limit increase offer in the mail or online? Accepting it can help or hurt your finances. What to know before making a decision.
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.
When you need cash now, applying for an instant online payday loan e-transfer can seem like an easy solution. Here’s why it’s anything but.
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!
Not sure how much debt is too much and worried you might be in trouble? Here are 5 warning signs of debt to watch out for and what you can do about them.
A credit card balance transfer is one path to dealing with debt in Canada. Here’s what to know before trying debt consolidation through this option.
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 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 incorrect credit card charges helps protect your hard-earned cash. Learning how chargebacks work now could save money and frustration later on.
Building a good credit history is important for using tools like credit cards and mortgages. However, your credit score isn’t worth obsessing over. Here’s why.
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.
Thinking about your next vacation at home or wondering if it’s a good option? Here are affordable staycation ideas that are fun and friendly for your wallet.
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.
Knowing how to prevent student loan debt before it becomes an issue is easier than dealing with it after. Here are some ways to help avoid student debt.
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.
It can be hard to take the first step when dealing with a problem and debt consolidation is no different. Here’s how to prepare. Don’t let fear hold you back.
Is a home equity loan or line of credit right for you? Learn how to use a credit line and not get into debt. If you need help getting out of debt, 1-888-527-8999
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.
Wondering why you should get a student loan and how you can avoid student debt? Here’s the good, the bad, and how to overcome repayment problems in the future.
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.
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.
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.
Learn things you can do that will help you to avoid foreclosure and manage your situation better in Canada.
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.
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 you’ll want to know.
Joint debts usually happen with the best of intentions. But when things go wrong, they can go really wrong for both people. Here are some tips to help.
If your home equity is above the provincial exemption maximum, you can either sell your home or ‘buy back’ the amount above the exemption.
How to choose a good debt relief agency? Learn who is eligible and when it’s the best option for dealing with your debt.
Learn how to communicate effectively with a debt collector or debt collection agency. We can help you in dealing with your deb, contact us today!
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.
Wondering how to improve your credit score? Learn how you can resolve four common problems affecting Canadians.
When and how to use credit responsibly and avoid debt traps. Find out what is and isn’t on your credit report.
Credit card debt settlement may be the right debt relief option for you. But it can affect your credit score & rating in the long-term. Get help now to calculate all your repayment options.
What Should You Focus on: Getting Out of Debt or Saving for the Future?
Never pay high rates at cheque cashing centres Again! Here are alternatives to cash your cheques and get your money for free!
Learn more about debt consolidation and how to simplify your situation by grouping your debts together to make one payment.
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.
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.
Learn 4 helpful steps to stop collection calls and creditor harassment you can do on your own without even having to involve a Canadian debtors association.
Discover the fastest ways to pay off credit card debt. One is mathematically the best but the other is psychologically the best. See which one appeals to you the most.
If you are struggling with your finances and you’re thinking, “I need financial help right now! Fast!” We can help you.
Being on the receiving end of collection calls is a difficult situation for anyone to be in, but there are laws in place to protect you when dealing with debt collectors. Here are tips to help you know how to stop collection calls.
While cash advances might feel like an easy solution to your financial woes, they’re an expensive Band-Aid solution that could snowball into more problems.
Is Bankruptcy My Best Option? 6 Instances When Declaring Bankruptcy in Canada May Not Be Right For You
Wondering if bankruptcy is your best option? Know these 6 times when declaring bankruptcy in Canada may not be right for you.
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.
Getting out of debt is a common New Year’s resolution, but wanting to save is just as common. These points will help you decide what to do with your money.
What happens to your car if you file for bankruptcy? It depends on whether you have a car loan and/or a couple other factors.
Here are 3 steps you should take if you’re being sued by a creditor and you received a Notice of Claim. If you’re still unsure about what to do once you receive a Notice of Claim, call us for help!
We set the facts straight and expose the 7 most common myths about bankruptcy in Canada. Bankruptcy is a last resort & isn’t for everyone. 1-888-527-8999
Debt consolidation loans are often seen as a way to solve their debt problems. But getting a debt consolidation loan isn’t as easy as many people think.
If your credit is down, here are 5 steps you can take to rebuild your credit score and keep it strong.
Learn the fastest and most effective ways of getting out of debt in Canada. Find what works best for your situation. The more of these you can apply, the faster you will get out of debt.
Are you wondering how to pay off debt with no money? Maybe you’re living pay cheque to pay cheque. Here’s what you can do to get back on track and climb out of debt.
Will downsizing your home solve your debt problem, or cost more than it saves? Figure out why you’re in debt before shopping for a smaller home. Here’s how.
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.
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.
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.
Loaning money isn’t the only way to help a family member or friend in financial trouble. Here are 3 ways to support them in their time of need.
Debt consolidation comes in different forms and there are benefits as well as drawbacks to each option. Consider these key points when choosing what’s best for you.
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.
Does it feel like no matter how hard you work at eliminating your debts, you just can’t seem to get the upper hand? Carrying debt is a common narrative for Canadians across the country. Here’s a look at 7 common debt repayment mistakes that are stopping you from becoming debt-free.
How to Cut Costs for an Emergency Budget When your income suddenly drops, your spending may have to as well. Many Canadians don’t have an emergency fund to help weather financial storms. Without that, cutting costs is the next option to consider. Tracking your...
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.
Setting a budget and trimming down monthly expenses are key priorities for anyone working on paying off debt. While there’s so much emphasis out there on cutting back your discretionary spending to free up cash to apply to debt repayments, how often are you looking at making changes to your fixed expenses too?
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.
Owning or renting a home can be a pricey undertaking. How do you manage these costs when you’re also struggling with debt and the economic uncertainty of a pandemic?
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.
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.
If you’re looking to find the money to pay off debt quickly, or even jump start your savings fund, taking on a No Spend Challenge is a great tactic to curb your spending.
You’ve tackled your credit card debt, stayed committed to your debt repayment plan, and after years of dedication you’re nearly debt free. Now that you’re in the green, have you thought about what you’re doing to do with the extra cash you’ll no longer put towards debt repayments?
So you’re ready to charge full steam ahead at paying off your debt, doing everything you can to throw extra cash at your lenders until you’re officially debt-free. If you stay focused and plan strategically what you’re doing with your income, you can pay off debt faster.
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 get out of debt. I want to quit smoking. At the start of a New Year – and in this case, a new decade! – many people set New...
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.
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.
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.
Looking for the simplest way to track your money? Our income & expense alternative budgeting tool will help you manage your finances with ease.
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.
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 consumer can be worthwhile too.
Despite it crossing your mind when you’re in financial trouble, filing bankruptcy may not be the right solution for you.
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.
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.
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.
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.
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.
Applying for a credit card or loan is the easy part; using credit wisely can be much harder. Managing debt payments is crucial to using credit. Myths around how much to borrow, how much to pay, when to pay it, and what to do if you can’t afford to pay abound. Here are 5 myths; can you tell fact from fiction?