Here are some basic guidelines to help you create a budget by percentage of income and figure out the right budget percentages and a starting point. Remember that based on your individual living style, income, family circumstances, and location, the allocation may vary from person to person...
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Have you stopped to consider what would actually happen if you didn’t pay off credit card debt? You can damage your credit history and accrue high interest..
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Is your personal debt becoming too difficult to manage? Then you may need to look at alternative solutions. Maybe you are considering bankruptcy as an option or looking for other… Read full article
Are debt consolidation loans worth it? Simply put, debt consolidation combines multiple unsecured debts like the balances on your credit card, personal loans and sundry other bills into one single debt...
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The first annual Consolidated Credit scholarship program was help this year, offering students a chance to participate to receive a $1,000 scholarship...
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Average Canadian debt went up by 3.3 percent and is now $22,837 per person but despite that. Canadians are managing to meet their debt obligations, with both bankruptcies and delinquencies trending downwards. Here are some tips on how you can reduce your financial vulnerability...
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Wondering what’s the best strategy to save money? Having savings on hand is an essential part of your financial health, but how much do you really need? Furthermore, how are… Read full article
Although it is human nature to wait until the last minute for just about anything, you are well-advised to make regular contributions to your RRSP a year-long habit, rather than… Read full article
Visualize what financial security looks like and set that as your goal. It's your actions in the present that help you achieve financial security...
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Call us at 1-844-402-3073 to speak to a trained credit counsellor today!..
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While no debt is always preferable, there are some debts that offer you the opportunity to increase your wealth. Here is the good debt bad debt low down..
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There is no shame in being a victim of fraud. It happens to everyone, even those who are vigilant or consider themselves financially savvy...
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Spring break vacation is a chance for fun and a holiday from school and work, but it doesn’t automatically have to come with a hefty price tag...
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A home equity line of credit is subject to fluctuation in interest rates, so the recent increases to interest rates will raise payments...
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An effort to reduce average Canadian debt with the new mortgage stress test House hunting? You may have heard of the new mortgage rules from the Office of the Superintendent… Read full article
Not only does being single impact your money management during your earning years, there are special concerns and challenges faced with retirement savings..
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Eat more produce, do an inventory of your pantry, make a list, don't pay for convenience, and couponing are just a few ways to save money on groceries..
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Wondering why your credit card declined? It happens all the time to lots of people but that doesn’t make it any less embarrassing or stressful. If this has happened to you, here are some potential reasons why and suggestions as to what you should do about it...
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Are Price to Income Ratio in Canada Achievable? Data from Statistics Canada states that housing price to income ratios in Canada i.e. the proportion of average total income of a… Read full article
How to shut down FOMO to avoid debt problems Don’t underestimate the impact of your emotions when it comes to spending. There is psychology behind why you buy and if… Read full article
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