Overspending – Breaking the Cycle

Are you feeling the strain of personal debt? For some, it can be debilitating, both financially and emotionally. There… [more]

Overspending – Breaking the Cycle Overspending – Breaking the Cycle

Keep your credit score in check!

Whether you're pushing for a low interest rate on your mortgage, rebuilding your credit after bankruptcy,… [more]

Keep your credit score in check! Keep your credit score in check!

Kids and Coins – Start Educating Early

In this day and age, consumerism can creep unnoticed into even the littlest people’s lives. Have you… [more]

Kids and Coins – Start Educating Early Kids and Coins – Start Educating Early

Consolidating to Conquer Debt – Ask your Banker

Most banks and financial institutions offer what is referred to as a debt consolidation loan.  This… [more]

Consolidating to Conquer Debt – Ask your Banker Consolidating to Conquer Debt - Ask your Banker

The WISE MAN’S Mantra …“I Can’t Afford It”

Somewhere along the line, we’ve fallen short on basic values.  Stay true to yourself, be honest, and… [more]

The WISE MAN’S Mantra …“I Can’t Afford It” The WISE MAN’S Mantra …“I Can’t Afford It”

Aim to Pay off Mortgage Debt before Retiring

With all of the benefits that better health care provides, many of us can now anticipate a longer life… [more]

Aim to Pay off Mortgage Debt before Retiring Aim to Pay off Mortgage Debt before Retiring

Understanding Common Terms

May 15, 2012

Do you know the difference between your credit score and your credit rating? Who do you contact to get this information, and what does it cost? Few people deal with these questions regularly, and don’t quite know where to turn with questions related to their personal credit information. Credit Organizations Equifax and TransUnion Canada  are [...]

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Overspending – Breaking the Cycle

May 9, 2012

Are you feeling the strain of personal debt? For some, it can be debilitating, both financially and emotionally. There are a multitude of reasons that can cause a climate of extravagance in your personal spending habits.  Be aware of those are convenient excuses, and not unavoidable life circumstances. Life is messy, and expensive. Housing costs, [...]

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Keep your credit score in check!

May 9, 2012

Whether you’re pushing for a low interest rate on your mortgage, rebuilding your credit after bankruptcy, or are just starting out, there are 3 factors that have the power to negatively affect your credit rating. Some are simple strategies – such as keeping a low balance on credit accounts.  Longer term goals may better serve [...]

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Helping you Understand Common Bankruptcy Terms

December 20, 2011

Assets – things you own (includes items that you are still in process of paying off) Bankruptcy – bankruptcy in Canada is a legal process administered by the Bankruptcy and Insolvency Act, which relieves consumers of their debts (with exceptions, speak to a trustee in your area for specifics on exemptions by province) Collection Agency [...]

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Frugal is Fabulous! Budgeting Towards a Better Tomorrow

December 20, 2011

Frugal is the most positive and empowering “F” word I know.  And for that matter, “B” is my next favourite letter.  Budgets mean fun and financial freedom and nights out on the town!  They mean new clothes and vacations and pain free Christmas shopping for your children!  Make friends with these words, and they’ll tuck [...]

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Kids and Coins – Start Educating Early

December 20, 2011

In this day and age, consumerism can creep unnoticed into even the littlest people’s lives. Have you ever set you toddler down to watch TV and found the screen filled with more commercials than actual programming?  It’s almost unavoidable; however it does give us a perfect opportunity to focus on educating our children early on [...]

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Consolidating to Conquer Debt – Ask your Banker

December 14, 2011

Most banks and financial institutions offer what is referred to as a debt consolidation loan.  This means grouping all of your debts into a single personal loan, most often with a lower interest rate than the existing debt carries.  This can be a useful tool when too many individual debts have left you strapped each month, [...]

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The WISE MAN’S Mantra …“I Can’t Afford It”

December 13, 2011

Somewhere along the line, we’ve fallen short on basic values.  Stay true to yourself, be honest, and try your best to set a good example for your children. These rules directly apply to how we chooseto manage our money.  Maybe our grandparents methods should be respectfully applied when it come to common sense family budgeting.  [...]

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“Why Do I Need A Bankruptcy Trustee?”

December 13, 2011

The process of declaring personal bankruptcy in Canada, otherwise known as consumer bankruptcy, is a ten step legal function that is regulated by The Office of the Superintendent of Bankruptcy Canada.  By law, this task must be preformed by a licensed bankruptcy trustee. Be assured that your attorney in bankruptcy has gone through several years [...]

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Aim to Pay off Mortgage Debt before Retiring

December 6, 2011

With all of the benefits that better health care provides, many of us can now anticipate a longer life span, and this can translate into almost a third of our lives lived out in blissful retirement.  Hopeful retirees often realize that the old notion of leaving work behind at age 55-65 just doesn’t apply to [...]

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