Spring is in bloom, which means that Canadians are preparing to file their annual tax returns. Most people are hoping for a refund, however statistics show that about one-third of Canadian taxpayers will not receive one. In many instances, Canadians will owe money, and with a growing number of households holding onto record-level debt, this […]
10 Practical Ways to Reduce Holiday Spending
It’s officially December, which means the holidays are just a few short weeks away. If you’re a planner, perhaps you’ve already done your shopping. But if you’re like most Canadians, you’ve still got a ways to go. According to a 2019 report, only 18 per cent of consumers say they finish their shopping prior to […]
How to Make a Monthly Budget
When it comes to effectively managing your finances, it is important to create a budget. With a proper budget, you can work your way back from the brink of financial ruin, or avoid money problems in the first place. Everyone has heard of the concept of budgeting, yet so few really know what it entails. What […]
Take Control of Your Finances With a Budget
Taking control of your finances can improve your financial well-being, and your overall mental and physical health. It reduces your stress by putting you in the driver’s seat. The good news is that there are concrete steps you can take to improve your financial well-being A budget is the foundation. It’s a simple but highly […]
10 Ways to Decrease Your Debt Every Day
Today, trying to find people who aren’t in debt is probably more challenging than finding those who are. Unsecured debts like credit cards and credit lines are very common, and they can cause a lot of stress if left to fester. One of the problems with paying debts down is that a lot of people […]
Can I Consolidate Credit Card Debt?
Credit card debt seems to be one of the easier forms of credit to get out of hand on you. When carrying that little card around, it’s easy to lose sight of the fact that every time you use it you’re adding to the total debt load. The fact that you don’t see any actual […]
Should I Take Out a Line of Credit?
By Marlene Foote A line of credit is a form of revolving credit similar to a credit card issued by a bank or other lending institution. The line of credit can be secured by an asset or unsecured. The secured line of credit will typically have a lower interest rate and a higher credit limit because […]
Why You Should Think About Retirement Planning Even When You’re in Debt
Many people are faced with the dilemma of knowing they should be planning for retirement, but currently being in debt. Having that nest egg that you need when your working days are done definitely requires early planning, but no one wants to carry debt around any longer than necessary. When unsecured debts are gnawing at […]
Why you need to go on a cash diet (and how to do it)
Many people often look for a magical solution to improve their financial situation, but the fact is, solving your money problems comes down to some basic simple principles. There are actually only two ways to improve your financial situation: make more money or curb your spending. While this may sound simple, it’s often very difficult […]
But How Can I Save If I Don’t Have Any Money?
By Linda Wilke How much money is in your savings account? If you answered $3 dollars or something similar – you’re not alone. It’s probably safe to assume there are hundreds of thousands of savings accounts with balances under $10. Most of us have a savings account – the hard part is putting money in […]
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