You’ve finally retired – congratulations! Now is the time to truly enjoy life after dedicating decades of your life to your career. That is, provided you’ve saved up enough money and don’t have any debt. While many of us long for our golden years to be full of travel and relaxation, the reality is that […]
How to Minimize Student Loan Debt in Canada
Student loans are great when you’re in college or university – they can take a financial load off your back and let you concentrate on your studies. But they can also become a burden after graduation. Some people incur such huge student debts that they are known to carry it well into their 40s and […]
10 Budgeting Tips That Really Work
A journey of a thousand miles begins with one step, and the journey to financial freedom is no different. When it comes to your personal finances, the first step is to make a really good budget. Without a budget, you will have no idea how much money is coming in or going out, and before […]
Two Simple Steps to Get Your Finances Back on Track
When it comes to your finances, have you ever sat and thought, “Where have I gone wrong?” It’s never too late to evaluate your financial situation and get yourself back on track. But going through your finances is like making that New Year’s Resolution – you mean well, you’ll plan on doing it, but you […]
New Canadian Mortgage Rules in 2020
Looking for your first home? Unless you’ve got a lot of cash in the bank, you will probably need a mortgage. Unfortunately, getting a mortgage is becoming harder and harder, especially with new rules that come into play on July 1, 2020. First-time home buyers will be especially hard-hit, finding it more challenging to qualify and […]
How to Fix Bad Credit in Canada
Bad credit brings negative social, emotional, and financial stigma. If you have bad credit, you will find it very difficult to get a loan, meaning you won’t be able to get a mortgage for a house, a new car, or a line of credit for renovations. Bad credit overwhelms those who struggle with financial hardships […]
How to Pay Off Debt and Save at the Same Time
Over the last few years, more and more families and individuals have been facing serious financial hardships, which have often stood in the way of their efforts to pay off debt and save money at the same time. Fortunately, there are ways you can regain your financial independence and still manage to save up some money for an […]
How to Make More Money in Canada
With today’s growing debt levels and the increasing cost of buying groceries, gas and other essentials, Canadians are looking for ways to make more money in order to balance their budget. Having a side hustle is one of the easiest ways to try and improve your financial situation. After all, if your budget doesn’t balance, […]
Owe Income Tax in Canada but Can’t Pay? Here’s What To Do
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 […]
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