Debt Help Blog - Bankruptcy, Budgeting, Credit Counselling & More

From paying off debt to creating an emergency fund and getting savings in the bank, your financial fate hinges on key money management basics. Getting familiar with the fundamentals of how to manage money lays the groundwork to achieving your financial goals.

Applying for a credit card or loan is the easy part; using credit wisely can be much harder. Managing debt payments is crucial to using credit. Myths around how much to borrow, how much to pay, when to pay it, and what to do if you can’t afford to pay abound. Here are 5 myths; can you tell fact from fiction?

Whether your aim is to pay off your credit card debt, save for retirement, or work on another money goal, learning how to set SMART financial goals can ensure you achieve your objectives.

Managing money as a couple can be tricky to sort out with two incomes and two financial situations merging. While you’re trying to manage money jointly, there could be major disparities in pay, previous debt loads and differences in budget and lifestyle expenses.

Winter has hit really hard this year, but unpleasant as it has been at times, there are a number of money management tips you can learn if you take a step back to look at the big picture.

For many Canadians it’s “that” time, to face the monumental task of dealing with the Christmas bills and holiday debt hangover, now that the Christmas tree has been taken down and the decorations put away. This can be a very stressful for time and cause a lot of money worries.

Blue Monday 2019 pops up in the already tough month of January. The holidays are done, the decorations are in storage, we’re in the middle of winter, and depending on where you live in Canada, you may have at least 3-4 months left of the white stuff.

While interest rate increases may not be welcome news to everyone in younger stages of life, consumers as a whole and our economy in general benefit when historical average interest rates exist in the marketplace. Here are five good reasons why interest rate hikes are not all doom and gloom for consumers.

If fear, hesitancy, or just not knowing what to do is holding your back from consolidating your debt, we’ll help you move past all this with the 5 things you need to do to get this ball rolling and start saving some serious money on interest payments.