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Learn more about your options for debt and credit solutions by reading our blog!
Starting the New Year Right
Starting the New Year Right The 2022 year has come to an end. Even if you do not believe in making New Year’s Resolutions, the beginning of a new year brings the ideal time to take a fresh look at things. Where do you want to see your finances in 2023? Is your goal...
Improve Your Financial Health to Reduce Stress
Golding & Associates acts on your behalf as a Licensed Insolvency Trustee to help you get your finances back on track. Contact us to find out more today! 902-365-3032 or 902-405-3832 Image: Unsplash Financial stress is no joke — when you're struggling to get by,...
Where Does My Money Go?
Where Does My Money Go? When people are encountering financial difficulties, often they do not know what steps to take to resolve them. Each month we will look at ways to help you improve your financial situation. If money is short, the first step people often think...
Wants Vs Needs
Wants Vs Needs “Need” – something essential for survival “Want” – something beyond a need that makes life more comfortable or convenient Determining what is a “need” and what is a “want” is important in looking at spending habits. Making small changes in spending...
The Value of Talking to a Debt Professional
The Value of talking to a debt professional I recently received a call asking if we accept referrals . Easy – of course . However, my answer ended up being no. I determined that this company was charging someone an upfront fee of $500.00 to refer them to a trustee...
Improving Your Credit Score
Improving Your Credit Score A credit report is a summary of your credit history. There are two major report reporting agencies in Canada: Equifax and TransUnion. The report contains factual information on your credit use and also personal information such as your...
The True Cost of Credit Card Debt
The True Cost of Credit Card Debt We all know that if you use a credit card you should pay it off in full each month. However, the reality is that millions of people use their credit cards to finance purchases and repay them over the course of time. The idea of...
Christmas Spending Tips
Christmas Spending Tips The holiday season is upon us. It is supposed to be “the most wonderful time of the year”, but unfortunately, many people find themselves overwhelmed with stress at this time of year. Christmas has become a very commercial holiday and the...
Good Debt Versus Bad Debt
GOOD DEBT VERSUS BAD DEBT Not all debt is created equal – and not all debt is bad. In fact, you need some debt to establish a good credit rating. Being a responsible borrower means knowing which types of debt can help you reach your financial goals and which types...
Difficulty with Student Loan Debt
People head off to post-secondary education with high hopes for their future. That education comes with a significant price tag. The average student loan debt upon graduation is stated to be $26,000. In my experience, I regularly see people with significantly more...