Most people incorrectly assume that the cause of financial problems is living an overly lavish lifestyle, but this is simply not the truth. Oftentimes, people find themselves deep in debt or on the brink of bankruptcy because of a significant life change. The truth is debt can happen to anyone. Nobody plans to have money […]
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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 […]
Financial Literacy and the Workplace: A Relationship that Matters
According to the Financial Consumer Agency of Canada (FCAC), money is the greatest source of stress for Canadians – even more than work, personal and relationship issues. Almost half (40 per cent) of working Canadians feel overwhelmed by their current debt load, which continues to increase yearly for many. Unfortunately due to the COVID-19 pandemic, […]
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 Your Credit Score is Calculated in Canada
Many of us often wonder what exactly affects our credit score and by how much. If you’ve found yourself with a bad credit score, you may be especially concerned with how you got to this point and how to recover. Let’s take a look at how your credit score is calculated. Payment History Your payment history […]
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 […]
Bankruptcies, Consumer Proposals Down Despite Record Unemployment and Debt Levels
Canada’s recently released unemployment numbers show that the jobless rate jumped from 7.8 per cent in March to 13 per cent in April – nearly matching the highest ever recorded data dating back to the mid-1970s. Yet despite this, the number of Canadians filing for insolvency has decreased significantly. First-quarter numbers released by the Office […]
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, […]
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