While the United States economy has been improving since the global financial crash of 2008, Canada’s economy has remained steady by comparison. One of the effects of the market meltdown was that it caused both the Federal Reserve in the U.S. and the Bank of Canada to lower interest rates. Since both economies are […]
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What is a Bad Credit Score?
Do you know what your credit score means? That number can have a bigger impact on your life than you might think. If you are considering applying for a credit card, buying a car or taking out a mortgage, you might find yourself wondering “Exactly what is a bad credit score?” We’ll take a […]
Preparing a Grocery List on a Budget
One of the most important line items in the family budget is for food. One of the most powerful tools for managing that food line item is your grocery list. If things are a little tight right now, try preparing a grocery list on a budget. Here are a few tips that will help […]
Budgeting for House Maintenance Costs
For many Canadians, one of their goals in life is to achieve their dream of home ownership. However, statistics show that it is increasingly difficult to find the money to purchase your first home. With that said, anyone lucky enough to afford a home would be wise to incorporate an economic contingency plan. In retrospect, far too many […]
7 Bad Spending Habits You Should Change Today
Bad spending habits could be holding you back from financial freedom. Some of those habits may not seem like a big deal, but they can lead to you wasting a lot of money over the course of a year. Here are seven habits that need to go, and how you can replace them with […]
What is Overdraft Protection?
If you have accumulated debt that is starting to get out of control, consider turning to certified credit counsellors who can steer you back toward financial stability. One of the things you will learn is managing your money carefully so that you are not spending more money than what is in your bank account. […]
5 Personal Finance Tips You Shouldn’t Follow
You may have noticed that the internet, as powerful of a learning tool as it can be, is flooded with bad advice from novices. Why is this the case? It starts with one bad article that sounds good and appears to be credible, then other writers duplicate the same content with different wordage. One thing […]
What is Unsecured Debt?
What is unsecured debt? This question comes up a lot when people are trying to decide how to handle their debts or pursue a solution like credit counselling. Let’s begin with a simple statement. Not all debts are the same or treated in the same manner. In fact, unsecured debt is often considered secondary […]
Reporting an Error to a Credit Reporting Agency
Credit reports contain information critical when lenders seek to determine your financial health, so errors can negatively affect your credit score. A credit reporting agency can make a mistake. And, if you see an error, you have the right to question and dispute information on your credit report when you believe that it is wrong. When you see incorrect […]
How to Choose the Best Savings Account
Whether you’re saving for a car, want to save up for a down payment on a home, or are attempting to get yourself out of debt and into sound financial territory, opening a savings account should be considered an integral step. A standard chequing account simply does not pay the kind of interest that makes […]
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