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.
Financial Education
We’re passionate about helping you develop money skills.
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
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.
5 Myths About Debt Payments – Dispelling Fiction with Facts
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?
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, previous debt loads and differences in budget and lifestyle expenses.
What Winter Storms Teach Us About Smart Money Management
The severe winter storms in both Canada and the States should cause us to think about our finances. Three smart money management tips gleaned from Old Man Winter include saving on heating costs, planning for emergencies, and preventing costly health and medical expenses.
Christmas Bills and Holiday Debt Hangover, What Can You Do?
For many Canadians it’s “that” time, to face the monumental task of dealing with the Christmas bills and holiday debt hangover, now that the Christmas tree has been taken down and the decorations put away. This can be a very stressful for time and cause a lot of money worries.
Don’t Let Blue Monday Drag Down Your Finances
Blue Monday 2019 pops up in the already tough month of January. The holidays are done, the decorations are in storage, we’re in the middle of winter, and depending on where you live in Canada, you may have at least 3-4 months left of the white stuff.
Facing a Pay Cut or Reduced Income? Here’s What to Do Right Now
Facing a pay cut is scary, but there are steps you can take now to protect your money and finances. Here’s what to focus on when your income will be reduced.
Kick Start Your Debt Repayment with a Cash Only Diet
Personal finance experts swear by a cash-only diet to kick start challenging goals. It’s often recommended because it force you to do two important things…
How to Get Rid of Payday Loans with 5 Step Plan to Escape the Cycle
If you’re tired of always borrowing from payday loan companies, have multiple payday loans, and want to know how to get rid of payday loan debt, we’ll show you how in 5 practical steps…
How to Pay Off and Make Joint Debts Work
Joint debts are a major commitment and while you may be co-signing or even just acting as a guarantor, you’re agreeing to shoulder the responsibility and liability for the full loan…
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.
Which Debts Don’t Need to Be Paid Down First?
When you are trying to figure out how to get out of debt quickly, you might have some debts that don’t need to be paid down first…
What is Credit Counselling? Options to Get Help with Debt, Credit Repair & Rebuilding – More Than the Banks Can Offer
There are some typical warning signs that debt is becoming a problem, but most people wait, sometimes for several years, before asking for help…
Credit Reporting & Credit Ratings – 3 of the Worst Myths Debunked and Explained
Credit reporting and credit ratings are two of the most asked about personal finance topics, and here are 3 of the worst credit myths debunked and explained…
What You Should Know Before Consolidating Your Debt
Debt consolidation doesn’t come with a step-by-step manual to help you transition from being in debt to getting out of debt. Figuring out debt consolidation is one step in the right direction…
How to Pay Off Debt with the Snowball or Avalanche Method
Paying debt off takes time & work. Motivation is a key ingredient. Snowball vs avalanche; choose the method that works best for you & get help if needed…
How to Spot Early Warning Signs of Financial Problems
It’s always surprising how so many people seem to be doing fine with their finances and then within a fairly short amount of time they encounter serious financial difficulties…
The Best Way to Get Rid of Debt and How to Get Help
Credit cards, car loans, consolidation loans, and bills – does it feel like all you ever do is make payments? We’re happy to help you find the best way to get rid of your debt…
Paying Off Debt Tips – 3 Things to Avoid
If you’re looking for tips on paying off debt, below are 3 often-overlooked spending tips that can save you money and help you get out of debt more quickly…
How to Read Your Credit Report and Understand Your Score
If you’re looking at a credit report for the first time it can be quite intimidating. Your credit report may be a single document but it holds a lot of power in your life…
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.
How to Rebuild and Improve Your Credit Score in Canada
Your credit score is your ticket to qualifying for a loan, securing a credit card or locking in a good interest rate on a mortgage. While your credit score is just a number…
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.
Need to Pay Off Your Debt? Here Are Some Great Insights
I consistently get asked ‘How do I pay off debt?’ It’s a great question, but I think before we look at strategies, we should consider some things first…
Seniors & Debt: A Growing Problem That We Can Help Fix | Credit Counselling Society
You are a senior or about to be? You are getting ready to head down the golden path of retirement? Nothing ahead of you, but relaxation, grandkids, and debt. Yes, debt…
7 Ways to Protect Yourself from Rising Interest Rates in Canada
Today the Bank of Canada raised the interest rate that all banks base their Prime rate on, and if this continues, what can you do to protect yourself from rising interest rates? Here are 7 ways…
The Dangers of Different Types of Consolidation Loans
While consolidation loans can be a wonderful thing, there are times when they can actually hurt your financial situation and keep you from getting ahead.
What to Do If You Need Help with Your Personal Finances
When life presents us with challenges, we think “We can handle it.” And sometimes we wonder, “Maybe I need help immediately.” This is no different for our personal finances…
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.
How to Get Out of Debt? How You Drive Might Matter
If you’re looking for more money to help you get out of debt and you often drive aggressively, you may not have to look any further than your own driving to find some extra money to help you out.
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.
Is This Missing in Your Plan to Get Out of Debt and Become Debt Free?
Your plan to get out of debt & become debt free could be missing a key ingredient. The right kinds of motivation means you have nothing prove. Learn more now.
Getting Debt Help & Using a Debt Ratio/Debt-to-Equity Ratio Calculator
When you need debt help, can your debt & debt-to-equity ratios help you calculate a plan to pay off what you owe? Let us help you make a plan. 1-888-527-8999
4 Key Debt Reduction Strategies | Credit Counselling Society
Struggling with debt can feel like you’re carrying an extra person around on your back. Here are some helpful debt reduction strategies to take advantage of.
The First Step in Paying Off Debt When You’re Struggling
First of all, no one likes being in debt. The thought of what you owe and the feeling of the burden you carry is always there, weighing you down. But like any challenge, there is a way out…
NoMoreDebt.org vs NoMoreDebts.org – What is the Difference?
NoMoreDebt.org vs NoMoreDebts.org? NoMoreDebts.org – official website of Credit Counselling Society. Free, confidential, credit & debt help. 1-888-527-8999
How to Reduce Debt – Power Tips, Ways, & Methods
If you’re wondering how to reduce your debt as fast as possible, we’ll show you the best ways to reduce debt, pay off credit card debt quickly and strategies and tips that really work…
How to Deal with Debt Stress and Get Debt Relief
Debt affects more than just our financial well-being; having money problems can also affect our physical and emotional healthy, which is why it’s important that we understand how to deal wtih debt stress.
Dealing with Credit Card Debt, Advice from Last Year’s Self-Pay It Off
Looking back at Christmas & holiday spending, can you plan, budget & save better to avoid credit card debt? Start now: it’s halfway to Christmas in July.
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.
How to Communicate with Collection Agents & Regain Control of Your Pay Cheque
There are strict rules and regulations in most provinces that govern actions of collection agencies and their collectors. It’s in your best interest to understand these rules and know your rights…
Better Debt Help Options than Bankruptcy in Canada – Best, DMP
Explore better debt help options other than filing for bankruptcy in Canada with a Credit Counsellor. Best – a Debt Management Program. Call 1-888-527-8999
How to Set Financial Goals in the New Year
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.
6 Personal Finance Tips to Help You Achieve Financial Freedom in the Future
Financial freedom is something many of us hope to achieve in the future, and developing good personal finance habits now can make a world of difference down the road.
Managing Money and Debt Wisely
Canadians are becoming more and more indebted. Debt will follow you for a long time and can affect your credit rating. Getting a credit card, a job or even an apartment can be difficult…
5 Reasons Why You Should Avoid a Cash Advance
Getting a cash advance on your credit card may sound like a convenient way to get money when you’re in a bind, but there’s a steep price to pay for the convenience. In the long run, it’s usually in your best interest to avoid a cash advance and to look into other options, which we’ll discuss in this article.
What Are the 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…
Trapped By Your Finances? How to Get Out of Debt in 3 Steps
Bad money habits can cause our finances to spin out of control, and when this happens, it may seem impossible to get out of debt. Becoming debt-free is a possibility for everyone; all it takes is some time and dedication to implement new financial habits.
How Debt Consolidation Helps Rebuild Your Finances
Keeping up with different debt obligations is a common struggle, and if your’e trying to get your head above water, sometimes understanding how debt consolidation works could be the first step towards rebuilding your finances.
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!
Need Debt Help? Consider Non-Profit Credit Counselling
Running into financial difficulty can take a toll on different aspects of your life, and if your debts are starting to interfere with your day-to-day activities, one of the best things you can do is to get debt help through a non-profit credit counselling society.
Help Me, I’m Drowning in Debt – I Need Help with Debt Now
Find out how to get the help you need with debt now so you can get your finances back on track. In Canada debt relief options are available. Find out what options may be available to you.
Consolidate Credit, Debt Care & Credit Counselling Solutions
Consolidate credit payments, services, solutions & options to help you avoid more debt problems & bankruptcy. If you need credit counselling, we can help. 1-888-527-8999
How to Manage Money Better with These 6 Money Management Tips
Knowing how to manage money better is a key to achieving your financial goals. Knowing how to manage your finances takes some time, but incorporating these tips will set you on the right track.
Reduce Your Debt and Budget Better with this 5 Step Plan
Falling behind on your credit card and loan payments can leave you feeling powerless, but with some debt reduction tips and good budgeting habits, you’ll be able to eliminate debt and become financially free.
3 Easy Mistakes that Can Destroy Your Credit Score
Credit scores take years to build up, but can get destroyed with only a few small mistakes. A good credit score can help you get better interest rates on loans and mortgages and can even help you rent apartments.
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.
How to Overcome Your Fear of Debt and Become Debt Free
Everyone has something they’d rather not face — whether it be credit card debt or a missed mortgage payment — and Halloween can sometimes bring out the worst of our financial fears.
Top 5 Solutions When You Are Declined for a Debt Consolidation Loan
When someone is declined for a debt consolidation loan, they often look for other options to see what else they can do to get a loan. If you find yourself in a similar situation, here are five things you can do.
3 Ways to Get Out of the Overdraft Protection Debt Cycle Once and For All
Your overdraft can easily become a never-ending cycle of borrowing money that’s very difficult to break without a plan. Good news is, we’ve got three ways for you to pay off that overdraft, drop that debt, and escape those hefty fees and interest.
What Is Credit Card Loss Insurance and Is It a Scam?
A range of credit card insurance options are available to credit card holders, but having an understanding of these types of insurance is essential to avoiding a potential credit card scam.
Money Tips – 8 More Money Mistakes That Will Keep You Broke
A while ago we shared some common money mistakes people make, and a lot of you asked for more money tips. So, here are eight more money mistakes that keep a lot of people in the “being broke” cycle.’><meta name="twitter:site" content="@CrdtCounselSoc
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.
Get a Free Financial Assessment and Explore Debt Solutions
Get your free financial assessment from the Credit Counselling Society and feel that debt relief you so desperately crave! Call us today. 1-888-527-8999.
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.
Credit Counselling Society Awarded Great Place to Work for Third Year
The Credit Counselling Society’s employees really care, want to listen, and give you help with debt. They’ve even been recognized as one of Canada’s Best Workplaces 2014! 1-888-527-8999
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.
Help with Debt & Dealing with a Collection Agency
When you can’t afford to pay & need help with debt, know your rights and communicate effectively when dealing with a collection agency. Find out what your options are, 1-888-527-8999.
How Do Credit Card Limit Increases & Balance Transfers Really Work?
High limits can mean more temptation. So what happens when you get an offer from your credit card company to raise your limit or do a balance transfer? How do balance transfers with convenience cheques really work?
Is Paying Down Debt Really a Big Deal for Your Finances?
I have about $8,000 in credit card debt and I’m wondering if it would be better to pay down my debt with my income tax refund instead of contributing it to my RRSP?
Client Shares Debt Relief Picture – Repayment Program Jar of Freedom
Our client, Margaret, shared a picture of her debt relief – signing her debt management program paperwork and adding her credit cards to the jar of freedom. Contact CCS if you need help too, 1-888-527-8999.
5 Signs That You Need Professional Help with Your Debts & Not DIY
It can be hard to ask for help with debt, but living with it is harder. Get help from a professional credit & debt counsellor to create a plan to end your stress and money worries. 1-888-527-8999
What to Do When You’re the Victim of Property Title Fraud
Many surviving spouses are left in an uncertain financial situation, sometimes due to a lack of income, but often because they need to learn how to manage their affairs on their own…
Manage Stress to Avoid Overspending
Feeling stressed and anxious can lead to overspending. Avoid maxing out your credit cards by making a Christmas and holiday plan for your time as well as your money.
Why is Available Balance Higher than Account Balance | Overdraft Protection
Overdraft protection will make your available bank balance higher than your actual bank account balance. Overdraft is a loan, so find ways to budget for emergency expenses and save.
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.
Financial Literacy Month 2013: Events for November
November is Financial Literacy Month in Canada and CCS is excited to host a variety of free workshops, webinars and activities to help increase money management skills…
How to Have a Memorable Halloween Without Breaking the Bank
Is it just me or is Halloween getting out of control? Even though we could afford to spend $250 a year on costumes and more, my spouse and I don’t want to moving forward. Any suggestions?…
6 Articles on Planning Your Holiday Budget and Spending
Based on survey results, it seems that three-quarters of Canadians face at least some post-holiday debt when the bills start arriving in January…
How to Bring Financial Literacy Into the Classroom
Financial literacy isn’t something we are born with, but it is as important a life skill as reading, writing and arithmetic. As parents struggle to do the best they can, they often don’t…
When Paying Off Debt – If It Sounds Too Good to Be True, Get the Facts First
When considering a serious financial decision like a Consumer Proposal, it’s important to have all the facts. For starters, a Consumer Proposal isn’t a slam dunk; you creditors must approve…
Moving from Vancouver to Toronto, How to Manage Transition Costs
Moving across the country from Vancouver to Toronto for your spouse’s work might be an exciting career opportunity, so plan ahead to make the transition time and budget as easy as possible.
New Car Offers and Financing Incentives Could End Up Costing You More
Replacing a vehicle is a big decision. Look past the enticing offers and let your budget help you decide if now is the right time to buy.
Should You Save, Invest, or Pay Off Debt with an Inheritance
We’ve just received $250,000 from an inheritance and are getting different opinions – should we save, invest or pay off debt? We’re not sure what to do, any suggestions?…
Credit Counselling Society Wins Consumer Choice Award in Winnipeg, Manitoba
The Credit Counselling Society is pleased to announce that our clients in Manitoba have selected us as the 2013 Consumer Choice Award winners for Winnipeg…
How to Start Planning for Christmas in July
Christmas is coming! Ok, it’s still 6 months away, but what are you doing now to make sure that you’ll have some money saved for Christmas and winter holiday expenses?…
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…
5 Last-Minute, Affordable & DIY Mother’s Day Gift Ideas
Whether you planned ahead, left it kind of late, or need an alternative, here are 5 last-minute, affordable Mother’s Day gift ideas that even work during COVID.
Credit Counselling Society Chosen for Consumer Choice Award in Regina, Saskatchewan
The Credit Counselling Society is pleased to announce that our clients in Saskatchewan have selected us as the 2013 Consumer Choice Award winners for Regina…
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.
Save on Cable Bills, Cell Phones & Bank Fees, Spring Clean Your Finances
Clean up your finances with these spring cleaning tips. How to save and spend less on cable, cell phone bills, bank fees and more.
Credit Counselling Society Wins Best Places to Work Canada for Second Time
For a second year in a row the Credit Counselling Society is proud to be recognized as one of Canada’s Best Places to Work!
Debt Repayment Program at NoMoreDebts.org, Consolidate Debt Payments
Our clients have paid off $165 million, which is a tremendous amount of debt. With the help of the Credit Counselling Society, you can consolidate your credit payments and pay off debt too.
Is Selling a Home to Pay Off Debt a Good Financial Idea?
Deciding whether or not to sell a home is never an easy decision, especially if you’re not sure if it’s the right solution over the long term. Here are a few things to consider…
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.