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Ways to Reduce Costs and Save More MoneyLowering Interest Rates to Save Money Find out how negotiating with creditors to lower your interest rates can save you cash and put extra money in your budget each month. Read more Cars and trucks can be expensive – with the cost of fuel rising, expensive insurance premiums and potential car repairs. Here are some strategies for saving money on your vehicles. Read more Did you know that the average Canadian family spends close to $2,250 a year on energy bills? With changes, you may be able to save money, and reduce your energy costs substantially! Read more How to Save More and Spend Less Budgeting is perhaps the best way to save and spend more wisely. Learn how to track your spending, manage your chequing and savings, get tips on cutting out the waste, and find next steps for saving more money. Read more Still looking for ways to reduce costs and save more money? Browse through 20 quick money management tips to help you spend smarter. Read more |
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Managing Your Money for the ExtrasNo matter how much you love the holidays, there always seems to be some extra stress to go with the extra spending. If you’re not careful, holidays can throw your budget out the window and put you deep into credit card debt. Take a money management tip from the pros: never go into a game without a game plan. Read more Everyone needs a break now and then. But when your vacation leaves you with a stack of bills you can’t pay, it’s hardly relaxing! Our money management guide teaches you how to save money on your vacation so you spend less. Read more |
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Additional Money Management StrategiesDivorce is often hard on families emotionally and financially. Not only do you face the end of your marriage, but you may face the end of your lifestyle as you knew it. It may not be all bad, as it can give you the opportunity to start over. Read more Talking to Your Kids about Money If you’re like most Canadians, you probably learned your money management skills through the “School of Hard Knocks.” However, there’s an easier way to introduce your kids to spending and saving money. Start talking to your kids about money today and give them the tools to be successful money managers tomorrow. Read more When it comes to women and money, the news can be gloomy. Women live longer, earn less, and are less secure in retirement. However, with some planning, hard work and a willingness to increase their knowledge, women can be financially successful and independent money managers. Read more |
Don’t Struggle with Money Management on Your OwnConsolidated Credit Counseling Services of Canada, Inc. can help you get back on track with your money management. A trained credit counsellor can do a free budget and debt analysis to help you figure out where you’re spending your money, and create a plan to start saving money for the future. A credit counsellor might also advise you to enter a debt management program or recommend other credit counselling solutions. They can also provide additional money management tips personalized to your financial situation. Good money management is key to being successful with your personal finances, and you don’t have to do it alone. If you’re having difficulty managing your money, call 1-800-656-3920 to speak with a trained credit counsellor or start your free budget and debt analysis online. |
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What Our Clients Say About Consolidated Credit
…Budgeting and money management is a component of our life skills curriculum. We have been using the services of Consolidated Credit Counseling Services of Canada, Inc. for approximately one year. Our youth participants have benefited tremendously from the sessions taught by Mr. Dan Chometa. Their levels of awareness regarding money management, identity theft, credit and credit ratings have been heightened. Their levels of participation in these sessions are unbelievable…
Lance Williams, Program Administrator
Malvern Youth Community Employment Program
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People pay a tremendous amount of money for a new vehicle and consumers are stretching out their loans to an average of over 62 months – just over five years. Over that 5-year period finance charges can be astronomical. This booklet reviews how consumers can save money when buying a car and details what common mistakes to avoid. |
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