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Reducing Electricity Costs

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How to Save Money on your Electricity Bill Electricity costs can get quite expensive, depending on where you live. This is especially true in the summer. Air conditioning typically uses a lot of electricity, and that can add up to a hefty bill at the end of the month. This means you could be looking for other places to cut, so that you can stay on budget. It’s always a good idea to look at your expenses and see where you can reduce costs. If you ...
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Five Ways to Save Money this Summer

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  Money Saving Tips for the Summer It’s summer and that means sun, relaxation, and having a good time. However, the summer can also be expensive. Between nights out on the town, the days spend dining on patios, and the expensive vacations, this time of year can be quite costly. There’s also the fact that summer feels like a time when you should let go, relax, and be a bit less tense. This often translates to people forgetting their budgets a...
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A Plan for Paying Off Student Loans

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  Tips for Paying off Student Loans Student loans are often necessary for those taking postsecondary education. University and college programs are increasingly becoming very expensive, which means that more and more people are taking out student loans in order to pay for school. However, once you graduate, paying off student loans can be difficult. When you first leave school and enter the working world, you could find it difficult to get a...
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Advice for Paying down Credit Card Debt

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  Paying Credit Card Debt High levels of credit card debt are, unfortunately, quite common. It’s easy to see how someone can quickly find themselves in more debt than they can handle. High levels of debt leave you with very few options should something unfortunate happen. For example, you may be able to pay off your credit card bill in full each month right now, but what if you were faced with a big home repair bill or your car broke down? C...
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What the Bank of Canada Interest Rate Hike Could Mean to Canadians

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A Large Majority of Canadians Would Struggle to Pay More in Interest Payments on Their Debt The Bank of Canada raised its key lending interest rate from 0.5 percent to 0.75 percent. This is the first increase in the rate since September 2010. The increase will likely mean that average Canadians will pay more on loans such as variable-rate mortgages and lines of credit. Canadian banks tend to increase the rates they charge consumers for different ...
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Get Expert Advice on RRSP, TFSA and Student Loan Debt

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Our Experts Answer Money Questions Many people have questions about money. However, in our society, talking about money is often considered impolite or off-limits. This means that a lot of money questions are left unanswered. But the more information you have about money, debt, budgeting, and finances, the better choices you will make. This means you will have a greater likelihood of ending up in a better financial situation. That’s why, every mo...
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Cheap Ways to Entertain your Children this Summer

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How to Keep Your Kids Entertained Cheaply – or Free! Summer is here and, for a lot of people, this means that the kids are out of school and looking to be entertained! While many people decide to send their children to camp or take a big family vacation, these options are pretty expensive. The good news is that they’re not really needed. There are a lot of great ways to have fun with your kids this summer without breaking the bank. While it can c...
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Know Your Rights: Credit Cards

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Understanding Credit Cards Credit cards are very common. They’re a convenient way to pay and, for many people, paying with credit has almost completely replaced paying with cash. However, if you’re not careful, you can get into trouble with credit cards. Credit card debt can add up very easily and it can be quite difficult to pay down. That’s why it’s important that you truly understand credit cards and the rights that you have when using a credi...
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How to Save Money on your Summer Vacation

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Enjoying Summer Vacation Without Going into Debt Summer is here and, for many people, that means time off. This is a great time to spend with friends and family, enjoying yourself, relaxing, and having adventures. However, if you’re not careful, your summer vacation could end up being pretty costly. Unfortunately, a lot of people end up getting into financial trouble by spending money on a summer vacation that they can’t really afford. The good n...
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Your Best Money Saving Tips

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Some of the Best Ways You Told Us You Save Money No matter how much money you make, you’re likely still looking for ways to save money. In fact, without budgeting and proper saving, you could end up in financial trouble, regardless of your salary. That’s why, recently, we held a contest on our Facebook page where we asked you for your best money saving tips. The response was great and we heard a lot of excellent money saving strategies. Here are ...
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House Equity in Bankruptcy

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  It may be surprising to hear that many bankrupt people own their homes. Their house becomes an asset of the bankruptcy estate for the creditors, however, in some cases, the trustee has no interest in selling the house because the equity is minimal or even zero ($0) after taking the mortgage payout and estimated selling costs into account.  If the equity is zero ($0), the trustee may release the house back to the bankrupt person. Even ...
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Five Ways to Save on your Grocery Bill

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 How to Save on Groceries For most people, food shopping is a large part of the household budget. In fact, after housing and transportation, trips to the grocery store are often the next-largest expense. This means that, if you’re trying to save money and reduce your monthly budget, looking for ways to save at the grocery store is a good idea. Of course, you’ll still want to ensure that you’re eating a healthy diet. The tips listed below are...
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5 Hidden Fees That You Can Avoid

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How Hidden Fees Can Cost You When you’re trying to balance your budget, it’s important to look everywhere for places to cut. One expense that a lot of people don’t notice is the various fees they pay. These fees are often charged every month and they’re rarely anything that you’ve specifically signed up for or agreed to pay. Instead, they’re costs ...
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Five Tips for Tracking Spending

Five Tips for Tracking Spending
Making Tracking Spending Easier One of the most important parts of sticking to a budget is tracking spending. Many people get to the end of the month, look back, and wonder where their money went. This is a major reason why a lot of people overspend: they simply don’t know where their money is going. When you track your spending, not only do you get to see exactly where you’re spending money, but reviewing your spending can help you spot trends a...
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Tax Tips for Canadians

Tax Tips for Canadians
It’s Tax Time: What to Keep in Mind It’s April and that means it’s tax time. If you haven’t completed your income taxes yet, remember that most Canadian income tax and benefit returns for 2016 are due April 30, 2017. However, since April 30 is a Sunday this year, the Canada Revenue Agency (CRA) will consider filings and payments on time if they are received or postmarked by midnight on May 1. People who are self-employed (or whose spouse or commo...
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Do You Know Where Your Money is Going?

Do You Know Where Your Money is Going?
Keeping Track of Your Money One of the keys to sticking to a budget is always knowing where your money is going. However, a lot of people have trouble with this. Small purchases and impulse buys here and there add up and, before you know it, you’re looking at a bank account that is smaller than you expected or a credit card statement that is larger. This situation can lead to feelings that there’s never enough money to go around. This can not onl...
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Power of Attorney Signing Authority for Parents Who Are of Sound Mind

Power of Attorney Signing Authority for Parents Who Are of Sound Mind
I met with a debtor a while back who came in on behalf of his parents. He held a Power of Attorney for them both and also the Executor of their estates. He had recently found out that his mother had incurred a lot of debt in her name and she did not want her husband to find out about it. The son wanted to file a bankruptcy for his mother but did not want her to have to be present to sign any of the documentation, as he was worried that the situat...
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Before You Buy That Car; How Negative Equity Can Impact Your Future Finances

Before You Buy That Car; How Negative Equity Can Impact Your Future Finances
Are you in the market for a new car?  Have you done a budget to determine how much you can afford to pay a month?  Congratulations, you are on your way to making a prudent purchase, but beware of the implications it may have on your wallet.  The lure of purchasing a new car is very exciting.  That new car smell, the feeling of driving a new car with all the new gadgets.  All of these “ good feelings ” play into the emotio...
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How to Not Let Debt Ruin your Relationship

How to Not Let Debt Ruin your Relationship
Don’t Let Your Debt Hurt your Relationship Debt can be very stressful. It can cause anxiety, loss of sleep, anger, and more. In fact, money is one of the main things that couples fight about. This is especially true when one (or both) of the people in a relationship are in debt. When you’re struggling with debt, you’re on edge. You’re anxious. You might not be sleeping well or eating well. This can make you irritable and easy to anger. Unfortunat...
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Simple Tips to Increase your Emergency Savings

Simple Tips to Increase your Emergency Savings
How You Can Build Up an Emergency Fund Having an emergency savings fund is important. After all, you never know when an unexpected expense will come up. If your car breaks down, your roof springs a leak, or you lose your job, you will need to access to cash  quickly. If you don’t have an emergency fund, you could find yourself borrowing more than you can afford. Not having an emergency fund is a big reason why a lot of people end up in debt ...
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