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.
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Should Working, Adult Children Who Live at Home Pay Rent?
4 points to consider when deciding if and how you should charge your adult children rent. Budgeting and saving tips.
How to Pay Off Debt and Bills Quickly in Canada
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.
Great Ways to Conserve Electricity and Save Money at Home
10 few simple changes to your daily habits to significantly reduce your home electricity usage, lower your electric bill and save money.
3 Tips for Solving Money and Family Budget Arguments
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.
When Your Income Suddenly Drops, Make an Emergency Budget
Financial emergencies like job loss and illness can make it hard to keep the same spending as before. Here’s how you can costs for an emergency budget.
Your Finances During the Coronavirus Outbreak, Is Your Emergency Budget Prepared?
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.
How to Get Through Holiday Spending When You’re Tackling Debt Repayment
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.
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.
Is the Rising Cost of Living Stressing You Out? Tips & Solutions
The rising cost of living is stressful. Living pay cheque to pay cheque can feel like a never-ending cycle of frugal choices & credit card debt. Look to cut costs with daily spending & expenses. Keep your eye on your future with tips & solutions for saving money.
How to Make a Personal Expense Tracker Work for You
Tips and suggestions to help you find a personal expense tracker that will work best for you.
Stop Living Pay Cheque to Pay Cheque – Break the Cycle with 3 Steps
Living pay cheque to pay cheque can feel stressful & hopeless. Break the cycle: think differently about money, track spending & temporarily pay with cash.
Ways to Save Money for Financial Goals, 5 Steps Everyone Can Do
5 steps to saving money: set goal, break it down, find ways to save, increase income & stash the saved cash. Plus tips to make it easier!
How to Budget Your Money: Budgeting Tips to Help You Save
When it comes to knowing how to budget your money, it’s all about creating a realistic spending plan that will help you manage your money better. Spending money can be fun, but if you end up spending more than you earn, it can be misery making.
Free Budget Calculator Spreadsheet to Help Get Out of Debt
This free budget calculator spreadsheet will teach you not only how to budget, but also how to get out of debt. If you’re ready to take control of your money, this budget calculator spreadsheet is for you.
Throwback, Look at Your Financial Picture & How to Pay Off Debt
Try the social media game, #ThrowbackThursday, to see where you stand with paying off debt. Do you owe more, less or the same as 3 years ago? Tips to improve your financial picture.
How to Plan for Unexpected Expenses, Budget & Money Management
Here are 5 steps to make a budget plan for unexpected expenses and to manage money for savings. Hope for the best and plan for the rest! If you need help, call 1-888-527-8999.
3 Lessons from a Leprechaun About Money and Savings
Leprechauns are known for having a pot of gold coins. What lessons could we learn from them to help us get out of debt and begin to turn our situations around for the better.
3 Ways to Create a Personal Budget Plan with Irregular Income
Are you a self-employed entrepreneur, commission-based or seasonal worker, or student with a loan? Here’s the trick to making a budget that works for you.
How to Get Organized with Money and Finances
Being organized with money and finances is about more than paying bills on time and dealing with debt. Set up a system that helps you reach your financial goals.
Managing Money and a Line of Credit When You’re Self-Employed
We’ve got all the typical family expenses, but it’s the line of credit that I use for work as a lawyer that is stopping us from getting pre-approved for a new mortgage. What can we do?
Budget Planning for Kids & Teens Getting Their First Pay Cheques
Do you have a teen who is starting to get their first real pay cheques? Helping them learn how to manage their pay cheques teaches them skills that last a lifetime…
How to Help a Senior Parent Budget & Manage Money
Have some patience as you help a senior parent budget and manage money for health care expenses on their own.
How to Help Your Teenager Learn to Budget & Save
My teenager has been working, but seems to spend his money as fast as he can earn it. What can I suggest to him so that he learns how to budget and save?…
How to Build New Year’s Goals & Plans
We can’t seem to get ahead financially and the thought of living ultra-frugally for next 30 years so we can retire comfortably, is not very appealing. Where do we go from here?…
Saving Face – Manage Money & Budget to Avoid Financial Crisis
Managing money & personal budgeting is hard. Learn how to save face when friends want to go out. You can avoid a financial crisis & still have fun.
The Cost of Convenience and How to Save Money When Busy
Our life has gotten very busy, we didn’t realize how much we were spending until we got our credit card bills. Convenience is costing us way too much money! What can you suggest?…
Don’t Bite Off More Than You Can Do | Home Renovations
We bought our first home 5 years ago, money was initially tight but we’ve been careful and managed our expenses. Can you offer some suggestions to help us stay on track with our goals?…
Can You Afford to Make Bigger Payments? Here’s How to Decide
Before you add any commitments to your budget, consider your current financial situation. Ask yourself the following…
Tips on Affordable & Budget Conscious Summers in Canada
The summer months can be more expensive than many people realize. From ice cream to drinks on the patio, it all adds up and leaves many of us wondering where our money went…
How to Give When Money’s Tight
We value the work of charities and believe very strongly in giving to good causes. Our income is down this year, any suggestions on how to keep giving even though we have less income?…
How to Plan a Vacation on a Budget
Many families have traditional summer vacations that they look forward to each year, but are now reviewing holiday budgets. Keep these points in mind as you start your vacation planning…
What Your Teenager Should Know Before Buying Their First Car
A driver’s license is a major milestone for any teenager, as is owning a car. However, before hitting the open road, your child will need to find the best route to get his/her new car…
Why Save Money When Interest Rates Are Low?
You might think that saving isn’t worth it when interest rates are so low. But think again. What happens when borrowing rates go up? When you have cash, you are in control.
Saving Money – What Would Your Community do with an Extra Million Dollars?
A major TV network is looking to produce a reality TV show to help people get out of debt, save money, build a stronger community and live their best life. We support initiatives like this…
Could You Survive Missing a Paycheque? A new survey says 60% of Canadians couldn’t
Canadian Payroll Association released a survey, which showed 6 out of 10 Canadians would be unable to meet their financial obligations if they only missed one paycheque…
Avoid Technology’s Traps: How to put the need for the latest gadgets into perspective
It’s really expensive keeping up with technology these days. I can’t afford to keep upgrading every year or so. Any suggestions?…
How to Maximize Your Back-to-School Budget
A new school year for your kids means buying new school supplies, backpacks, shoes, clothing, and more. Here’s how to maximize your back-to-school budget.
Are Canadians Reckless Spenders? Here’s What One Study Says
A study shows that Canadians “are among the most reckless spenders in the developed world.” Many Canadians have felt that Canada is different from the rest of the world, but are we?…
Entitled to Live Beyond Your Means
When we help people with their debts, we always ask them what they think caused their debt problem. People provide us with many different reasons, but the most common reasons…
How to Protect Yourself from Emergency Natural Events
How do you protect your finances from emergencies, such as a natural disaster like the Iceland volcanic eruption? To learn more…
How to Stick to Your Budget, Even on Bad Hair Days
Just because you’re having a bad hair day doesn’t mean you have to take a budget holiday! Get back to basics with a budget and plan to pay off debt.
How to Save 50% on Everything You Purchase
Buying stuff, putting it on credit and not paying it off right away, you can probably save 50% on everything you buy. Many believe they can buy whatever they want now and pay for it later…
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.