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Cost of Credit Card Debt

January 17th, 2016

COST OF CREDIT CARD DEBT 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, but…Read more >

Financial Goals for 2016

January 10th, 2016

There is never a bad time to look at improving your finances, but many people view the beginning of a new calendar year as a good time to make changes. Little changes can make a big impact. The important thing to remember that creating new habits won’t happen overnight – they take time and patience…Read more >

Tips for Turning Your Finances Around

February 9th, 2015

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 your really need. Negotiate everything Cable, satellite, cell…Read more >

Difficulty with Student Loan Debt

December 30th, 2014

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 than this. Six months after graduation, repayment is to commence. For those lucky…Read more >

Good Debt Versus Bad Debt

March 31st, 2014

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 leave you further behind….Read more >

Starting the New Year Right

January 15th, 2014

The 2013 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 2014?  Is your goal to increase your savings, improve your…Read more >

Christmas Spending Tips

November 19th, 2013

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  “spend”  message is heard from retailers more at this time of year than any…Read more >

The True Cost of Credit Card Debt

November 19th, 2013

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 purchasing a $2,800.00 television for less than $60.00 per month…Read more >

Improving Your Credit Score

November 19th, 2013

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 address, employer and public records (such as judgements or bankruptcies). Your credit score is a number between…Read more >

The Value of Talking to a Debt Professional

July 26th, 2013

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 because their debt management/ credit counselling program was not suitable.  This person was…Read more >