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Five Ways to Live Debt Free You’ve Never Thought Of

Little Known Tips to Help You Live Debt Free You’ve likely heard a lot of tips that can help you save money and live debt free. Stop eating out, quit buying lattes, spend less on clothing, etc. These are all good tips, but if you need a bit more assistance paying down your debt and achieving a debt free lifestyle, here are some tips that could help you out. Negotiate Lower Rates You might not think that you have any room for negotiation with your...
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Figuring Out How Much You Owe

Truly Understanding Your Debt If you have a lot of debt, you may find it difficult to deal with it all. In fact, one problem that many people have is that they don’t know exactly how much they owe and who they owe it to. Because of this, they’re also not entirely aware of how long it will take them to repay their debt, how much interest they are paying, and several other aspects of their debt. This makes coming up with a plan difficult. Knowing a...
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Dealing with a Job Loss

How to Survive a Job Loss Losing your job can happen suddenly. For instance, in the recent case of Sears Canada, the 65-year-old company was liquidated rather suddenly, leaving 12,000 people out of work . A sudden job loss can be very difficult to deal with, as you do not have much time to prepare and adjust your financial situation to compensate for the loss. Here are some tips for managing your money while you look for work. Note that, if you q...
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Our Experts Answer Financial Questions on Budgeting, Paying Down Debt, Saving, and Teaching Children About Money

For many different reasons, sometimes people do not feel comfortable discussing money and finances. In fact, for a lot of people, it’s considered impolite and even rude to do so. We believe that talking about money is important. If you don’t talk about money and ask questions, you’ll be much more likely to be confused or lacking important information. This can make managing your finances more difficult. Talking about finances and asking questions...
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Should I File a Consumer Proposal Instead of a Bankruptcy?

Handling your Financial Future When it comes to dealing with large amounts of debt, there are different options available. Which of these options are available to you and which option makes the most sense for will depend on your particular financial situation. There is no “one size fits all” solution. One option that many consider is a consumer proposal. What is a consumer proposal? Should you choose a proposal over a bankruptcy? As mentioned, ea...
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Teaching your Kids to Manage Money

Children, Money and Budgeting One of the reasons that many people end up overspending, lacking savings and going into debt is because they were never taught how to manage money as a child. It may sound a little strange, but it’s true. The habits you pick up as a child often follow you throughout your life. In fact, a study from the University of Cambridge found that lifelong money habits are formed by the age of seven. Therefore, it’s very import...
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Understanding your Credit Score

What You Need To Know About Your Credit Score You’ve probably heard of a credit score and you might know that it’s an important piece of financial information. However, do you know what your credit score is? And, if you do, do you know how it’s calculated? A report from BMO found that more than half of Canadians have never checked their credit score and that 31 percent of people don’t know how to achieve a good credit rating. However, your credit...
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New Mortgage Stress Test Will Hurt Already Financially Stressed Buyers in 2018

Real Estate Investors Financial Issues Could Get Worse in 2018 The Office of the Superintendent of Financial Institutions (OSFI) is expanding stress tests for all insured mortgages, not just those where a buyer has put down less than 20 percent of the purchase price. This change comes into effect on January 1, 2018. However, the OFSI has stated that “approved loan applications occurring between October 17, 2017 and January 1, 2018 might be subjec...
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Avoiding Financial Problems when Buying a Car

Saving Money when Buying a Car A car is a big purchase, especially a new car. Cars cost a lot of money and there are a lot of different choices to make when buying one. This gives you many different opportunities to make great decisions, but the possibility of making a mistake is increased as well. Here are some tips to help you avoid financial issues when you’re buying a car. Know your Budget Before you start looking at car brands and features a...
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Teaching your College Kid About Budgeting

Money Tips for College Students If your child is heading off to college for the first time this September, there will be a lot of changes and new experiences on the horizon. When a young person moves out for the first time, they suddenly have a lot of newfound freedom. This can be exciting and a great learning opportunity, but it can also get them into trouble if they’re not prepared. That’s why it’s important to make sure you teach your child to...
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Know Your Rights: Divorces and Finances

What Does a Divorce Mean For Your Finances? No one wants to get to divorced, at least not at first. However, for many people, divorces are something that happens. Millions of Canadians get divorced each year. If you do find yourself getting divorced, it’s obviously an emotional situation. However, it isn’t JUST an emotional situation. There are facts to consider as well, including what a divorce could mean for your financial situation. Your Asset...
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Seven Signs That You Have Too Much Debt

Knowing the Signs of Too Much Debt Almost everyone has some debt of some kind. In general, if your debt is manageable, it’s not necessarily a bad thing to have debt. However, once your debt becomes too large, it becomes a problem. So how much debt is too much? This depends on your situation. There is no set dollar amount that is too much. Some people are fine handling $10,000 of debt or more, while others have difficulty with $1000. Here are some...
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How to Stop Collection Agents from Calling

Dealing with Collection Agents One of the most stressful parts of having a large amount of debt is trying to handle calls from creditors and collection agents. These collection calls can be stressful, annoying and – in some cases – even harassing. They can cause people to avoid picking up the phone entirely. Bill collectors and creditors can sometimes be very aggressive when it comes to finding ways to get in touch with you and getting you to pay...
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How to Have Fun Without Spending Money

Having a Good Time on a Budget For many people, having fun goes hand-in-hand with spending money. You spend money to see a movie or a sporting event, you spend money going out to a restaurant, you spend money on drinks, and you spend money going shopping. For a lot of us, it doesn’t seem possible to have fun without spending money. However, you don’t need to drop a lot of cash just to have a good time. Here are some ways that you can enjoy yourse...
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Five Real Ways to Earn a Bit of Extra Cash

How to Earn Some Extra Money Most of us could use some extra cash. It would be nice to have a little more in our bank accounts for a rainy day, or to have a bit extra to pay down debt. Having some extra money around the holidays could help with bills and earning a bit more would make it easier to afford expenses. However, if you’ve spent any time looking for ways to earn extra money, you’ve likely found that there are a lot of scams out there. We...
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Avoiding Financial Scams

How to Avoid Common Financial Scams You work hard for your money, so of course you want to keep it. Unfortunately, there are a lot of people out there who want to take advantage of others. These scammers don’t care that you’ve worked for your money, they just want to take it from you. So, you’ll need to be prepared. To protect yourself, you’ll want to be aware of some common scams and have the information and tools that you need to verify any pot...
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Know Your Rights: Auto Insurance

Understanding Auto Insurance If you drive a vehicle, you have auto insurance. Unfortunately, despite the fact that auto insurance is such a big part of everyday life, not to mention required to drive, not many people are aware of their rights when it comes to this insurance. Here is some information that you’ll want to know about auto insurance. Auto Insurance is Required by Law in Canada Each province in Canada requires that drivers have auto in...
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Avoiding Debt this Holiday Season

Getting Through the Holiday Season Without Going Into Debt The holiday season is rapidly approaching. This is a joyous time of year for many, and a great time to celebrate and enjoy the company of family and friends. However, it’s also a time where a lot of people spend a lot of money. From parties, to vacations, to gifts, to everything else, the holiday season can certainly get expensive. Here are some tips for preparing yourself for the holiday...
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Get Expert Advice on Retirement Savings and Emergency Savings

Answering Your Financial Questions A lot of people feel like they shouldn’t talk about money. In our society, many of us are taught to stay silent about finances and that it’s not polite to talk about money or ask anybody any questions. Unfortunately, this often means that people don’t have all of the information they need. We believe that talking about finances and asking questions about money is the best way to learn and develop strategies for ...
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What is “Good Debt?”

Do you Have “Good Debt” or “Bad Debt?” Sometimes, when people are discussing debt, they talk about “good debt” and “bad debt.” You may have heard these terms before, but what do they mean? Good Debt The most straightforward explanation is that “good debt” is debt that is considered an investment in your future. The point of taking out this debt is to improve your life or your net worth going forward. An example of good debt is an investment in yo...
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