The bills slowly start piling up and before you know it, you are drowning in debt. You now have a bad credit score and you are struggling to borrow money because of it. It can be scary and confusing, but the only way to stop your credit score from getting worse is to understand how […]
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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 […]
Why Payday Loans are Not a Debt Solution
There are many reasons why someone would choose payday loans to help deal with their debt. Getting cash in your hands immediately can be appealing, but it is not a long-term solution if you are attempting to eliminate your debt. Payday loans are not a debt solution because over time, they can cause more bad […]
4 Things You Should Know About Identity Fraud
Identity fraud occurs when an individual assumes another person’s identity in order to access resources or obtain credit and other benefits in that person’s name. The main benefits that motivate thieves are obtaining government benefits, having a clean criminal record, and acquiring financial and materialistic gains. As part of your debt management, budgeting and financial […]
Why You Shouldn’t Use Your Credit Card for Christmas Shopping
The holidays are meant to be a happy time, spent with family and friends. We take time to go out and shop for the perfect gift to show our love and appreciation for all the important people in their lives. However, with the Christmas carols and dazzling lights, most people get swept away into shopping […]
5 Tips for Creating a Gift-Buying Budget and Sticking to It
We all want to save money during the holiday season, but it can be difficult when you’re feeling the pressure to buy fantastic gifts for everyone on your list. The only way to get through it without spending beyond your means is to create a proper budget and keep to it. Here are our 5 […]
Think Outside the (Gift) Box: Our Favourite Homemade Gifts
There’s nothing more personal and appreciated then a homemade gift. Your friends and family will appreciate the time and creativity you put into making it for whatever occasion they are celebrating. It is also a great way to save money and stay within your gift giving budget. We have compiled a list of some of […]
Grade 4 students learn to make “cents” of personal finance
November is Financial Literacy Month across Canada – an opportunity to raise awareness of the importance of having the knowledge, skills and confidence to make financial decisions. But having the confidence to make smart financial decisions comes from being exposed to it at a young age, which is why Credit Counselling Services of Atlantic Canada […]
Applying for Credit? Only You Can Decide What Makes a Good Offer
At some point, most of us have been offered financial products and services we hadn’t planned on buying. Perhaps it was in the form of extra insurance on our credit card or on our mortgage, or of a “pre-approved” increase to our credit limit on our card when we called the bank for something else. […]
Invest in your financial well-being
Every year, more of us struggle to meet our financial commitments. Many of us carry high debt and don’t even have access to basic emergency savings. In fact, Canadian households are devoting less of their disposable income to savings than ever before. Our debt-to-disposable income ratio is at an all-time high. Whatever form debt takes […]
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