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Improving Your Credit Score
Dec 16, 2021 | Budgeting Tips/Finance 101
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
Dec 16, 2021 | Debt Relief & Education
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
Dec 16, 2021 | Budgeting Tips/Finance 101
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
Dec 16, 2021 | Debt Relief & Education
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
Dec 16, 2021 | Debt Relief & Education
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...
Tips for Turning Your Finances Around
Dec 16, 2021 | Budgeting Tips/Finance 101
As we find our ourselves in a new year, it is a good opportunity to look at ways to get your finances on track for the year. Challenge everything Review your monthly expenses and consider every one of the individually to think about if it is something you really need....
Cost of Credit Card Debt
Dec 16, 2021 | Debt Relief & Education
All the brightly coloured decorations from Christmas have been put away, but for many people a less than pleasant reminder of Christmas will soon be arriving in the mail – their credit card bill. Some people will be ready to pay the bill off in full when it arrives,...
Making a Budget
Dec 16, 2021 | Budgeting Tips/Finance 101
Having a budget is important for everyone regardless of income. The reasons that a budget is important may be different for those with a modest income vs. high income earners – but the fact remains that budgeting should be part of everyone’s routine. Why Bother?In...
Ways To Track Expenses
Dec 16, 2021 | Budgeting Tips/Finance 101
There is no one right way to track expenses and only one wrong way. We will look at several methods of tracking expenses and you choose what works best for you – or even combine a couple of them – to find what is right for you. What is the one wrong way? The...
Ten Great Myths About Credit and Debt
Dec 16, 2021 | Debt Relief & Education
Ten Great Myths About Credit and Debt Myth: Credit is bad. Fact: Credit has many positive uses, like buying a home. As long has you have the money to repay any debt you incur, credit cards can be a convenience for things like travelling. However, when it is not used...