Unsecured debt is any type of debt that is not protected by a guarantor or collateralized by an asset of the borrower. It means that the lender does not have any collateral or lien – a form of security granted over an item of property to secure the payment of a debt. If the borrower […]
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5 Payday Loan Alternatives in Canada
When you’re desperately in need of money and have exhausted all other options for short term loans, you may consider turning to payday loans to solve your cash flow problems. Unfortunately, these types of loans can be very expensive. In fact, the average payday loan costs $17 per $100 that you borrow, which equates to […]
Wage Garnishment in New Brunswick Now Allowed Through New Act
Wage garnishment in New Brunswick is now being allowed, thanks to a new Act from the provincial government. New Brunswick is joining the rest of the provinces in terms of debt collection with the implementation of the new Enforcement of Money Judgments Act (EMJA), which officially came into force on December 1, 2019. One of […]
Why Payday Loans Are Not A Debt Solution
When you get into debt, it can feel like there’s no way out. You may feel like you’ll do anything to get out of debt, even if it might not be the smartest financial decision. Oftentimes, people look for an easy way out, or a band-aid fix for their debt. The unfortunate part is that […]
Solve Your Debts with a Customized Debt Management Plan
There are few things worse in life than being saddled with loans that have spiralled out of control, and no hope to pay them back. If this situation sounds familiar, then it may be helpful to consider a debt management plan. With a debt management plan, anyone can become debt-free. It isn’t easy – it […]
Improve Your Finances in 2020: New Year’s Resolutions You Can Actually Keep
The holidays are over and we’re about to enter a new decade. If you’re like most Canadians, you’ll be thinking about how you can start the year off right by choosing a new year’s resolution. According to Statista, improving personal finances is the second most common new year’s resolution, after exercising and dieting. Why? Because […]
5 Free Activities to Do With Your Kids During Winter Holidays
With the Winter holiday break quickly approaching, your kids will be clamouring for a bit of fun and excitement. However, fun and excitement don’t necessarily have to be bought with loads of money. There are lots of free activities that you and your children can enjoy. Here are 5 free activities you can do with […]
The Secret to Creating a Holiday Gift Budget That Works
It’s that time of year again. The holidays might be an exciting time, but it’s also stressful, especially for the wallet. 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 good news is, there […]
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 […]
11 Signs You’re in Financial Trouble
Sometimes it can seem as if financial trouble just shows up out of nowhere to wreak havoc on your life. One minute everything feels great, and then the next minute you’re deep in debt with creditors calling you non-stop. Of course, this isn’t the way it really happens. Debt never just comes out of nowhere […]
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