Financial Education
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Filing Taxes in Canada: Should You DIY or Hire a Pro?

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.

Affordable staycation ideas

16 Affordable & Fun Staycation Ideas for You and Your Wallet

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.

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Keep Your Money Safe with These Personal Security Tips

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.

How Do You Pay Off A Credit Card?

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...

How to Set Financial Goals in the New Year

How to Set Financial Goals in the New Year

How to Set Financial Goals in the New Year By Debra Pangestu Getting our finances in order is a common New Year’s resolution, and one of the best things you can do to achieve this is to know how to set financial goals. Setting financial goals – whether they’re...

Managing Money and Debt Wisely

Managing Money and Debt Wisely

Managing Money and Debt Wisely By Jane Rooney, Canada's Financial Literacy Leader Financial Literacy Month (FLM) is in its fifth year and I am happy to report that hundreds of events are taking place across the country helping people gain the knowledge, skills and...

Interest Rates for Debt Management Programs

Interest Rates for Debt Management Programs

Interest Rates for Debt Management Programs Debt Management Program interest rates are lower than credit card interest rates and in some cases, they are completely removed. This is one advantage of working with a reputable non-profit credit counseling organization,...

Need Debt Help? Consider Non-Profit Credit Counselling

Need Debt Help? Consider Non-Profit Credit Counselling

Need Debt Help? Consider Non-Profit Credit Counselling By Debra Pangestu Running into financial difficulty can take a toll on different aspects of your life, and if your debts are starting to affect you physically, mentally or emotionally, one of the best things you...

3 Ways People Destroy Their Credit Score

3 Ways People Destroy Their Credit Score

3 Ways People Destroy Their Credit Score Credit scores take years to build up and only a few small mistakes to destroy. Keeping your credit score high can help you to get better interest rates on loans and mortgages, can help you rent an apartment or a house, and much...

Manage Stress to Avoid Overspending

Manage Stress to Avoid Overspending

Manage Christmas and Holiday Season Stress to Avoid Maxing Out Your Credit Cards by Julie JaggernathWith only two weeks before Christmas, you might be feeling the stress of the holiday season and all that you still need to do. What you might not realize is that your...

Events for Financial Literacy Month November 2013

Events for Financial Literacy Month November 2013

Events for Financial Literacy Month November 2013 November is Financial Literacy Month in Canada and the Credit Counselling Society is excited to host a variety of free workshops, webinars and activities to help increase the money management skills of Canadians. We...

Tricks for a Memorable not Expensive Halloween

Tricks for a Memorable not Expensive Halloween

Tricks for a Memorable not Expensive Halloween Q: Is it just me or is Halloween getting out of control? Between costumes for our 3 kids, parties, treats and house decorations, we could easily spend $250 this year. Even though we could afford to spend this much, we...

How to Start Planning for Christmas in July

How to Start Planning for Christmas in July

How to Start Planning for Christmas in July by Julie JaggernathChristmas is coming! Ok, it’s not worth sounding the alarm quite yet; it’s still 6 months away, but time flies when you’re having fun, and so does your cash. What are you doing now to make sure that you’ll...

5 Last Minute Mother’s Day Ideas She’ll Love

5 Last Minute Mother’s Day Ideas She’ll Love

5 Last Minute Mother’s Day Ideas She'll Love by Julie Jaggernath Moms are special people, and to show your appreciation and love for your Mom or special lady, nothing does it better than time. Time really is more precious than money, so here are 5 last minute Mother’s...

Is Selling a Home to Pay Off Debt a Good Idea?

Is Selling a Home to Pay Off Debt a Good Idea?

Is Selling a Home to Pay Off Debt a Good Idea? Q: Over the years, we refinanced our home a few times to pay off our credit cards and other debts, but we never actually got ahead. Now we’re faced with selling our home as we’re having a hard time keep up with our first...

Overview of How to Get Out of Debt in Canada

Overview of How to Get Out of Debt in Canada

How to Get Out of Debt - A Concise Overview By Julie Jaggernath When you want to get out of debt, the first step is to organize specific parts of your finances. Start by making a list of all of your debts (outstanding balances, interest rates and charges) and...

How to Build New Year’s Goals & Plans

How to Build New Year’s Goals & Plans

How to Build New Year's Goals & Plans Q: Another year has gone by and my wife and I are frustrated that we can’t seem to get ahead financially. I have to admit that the thought of living ultra-frugally for the next 30 years so we can retire comfortably, is not...

How to Save Time and Money on Christmas Gifts

How to Save Time and Money on Christmas Gifts

How to Save Time and Money on Christmas Gifts Q: My husband and I are immigrants and over the years, our extended family has grown a lot. While we really enjoy getting together to celebrate Christmas each year, we don't look forward to the amount of time and money we...

The Cost of Convenience

The Cost of Convenience

The Cost of Convenience Q: Our life seems to have gotten very busy. Not only are our kids back in school, but now that they’re older, my wife went back to work full time. Between both of us working, shuttling kids from pillar to post and to various activities,...

Tips to Use a Credit Card Wisely

Tips to Use a Credit Card Wisely

Tips to Use a Credit Card Wisely Q: I had trouble paying my credit cards a few years ago, so I started only using cash. I worked hard to get my finances back on track and things are going well again. I figure that in about 3 years I’ll have enough saved for the down...

Debt Consolidation Overview Canada

Debt Consolidation Overview Canada

Debt Consolidation Review Canada | What is Debt Consolidation? Put simply, debt consolidation can be broken up into two words in order to give the most accurate definition. To “consolidate” means to “put things together.” In terms of consolidating debt, it means...

Debt Consolidation Using a Credit Card

Debt Consolidation Using a Credit Card

Credit Card Debt Consolidation With a Low Interest Credit Card Is this method of consolidating debts a good idea? If you are considering using a credit card as a debt consolidation option here is what you need to know. A low interest credit card often comes with...

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.