As we all know, life is expensive. But often we contribute to the situation by spending what we don’t have or spending when we know can’t afford it. Recognizing the signs of living beyond what you can afford is the first step in fixing the problem.
Check out our January Blog Post to find out 5 EASY Financial Resolutions for 2023.
Here are a few tips to avoid putting everything on credit and taking years to pay it off (if at all) with expensive revolving interest rates.
Everyone who files for bankruptcy is concerned that their credit report will nose dive and never be repaired. While time will help, credit is important for the expensive things we need in life like a car or a home. To qualify for financing, you do need good credit. While bankruptcy does impact the credit score, there are a few simple ways that can dramatically improve your credit after bankruptcy.
With the price of gasoline and inflation, many people have decided to cancel or postpone their summer travel plans ...
While you may consider it an honour to be asked to be the executor for your parents, sibling or friend ...
Instead of panicking when rates change, focus on building long-term savings and paying off high interest debt as soon as possible.
Most people who get a tax refund consider it an unexpected windfall and can’t wait to spend it the second it hits their bank account ...
Recognizing you or someone you love may have a problem is the first step in finding a situation
The Provincial government has announced its much anticipated reopening plan. There is no doubt Nova Scotia will feel normal again.
In a sea of debt options, many are drawn to the notion of credit counselling especially if they need help managing finances.
Even Frosty knows that it’s easy to lose control and overspend during the holidays
November is financial literacy month in Canada and it’s time we started having more conversations about money principals.
All though it's October, you should be thinking about holiday shopping!
There has been a lot of talk recently about how the pandemic has affected the mental health of most Canadians.
It is possible to pay off those high interest credit card debts with sacrifice, dedication, and few smart simple tricks.
Since March of 2020, we have all been in some stage of lock-down ...
The majority of Canadians do not regularly check their credit reports and there are three main reasons why.
It’s important to create a plan to pay the amount you owe as soon as possible
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COVID-19 has impacted us all financially in one way or another.
Here are a few simple steps you can make tax time less stressful.
fter a challenging year, the last thing you need is a surprise at tax time.
A new year begins and with it, the chance to make significant changes in our lives.
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You might not feel in the holiday spirit yet but before you know it will be here.
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Halloween might just be around the corner but the really scary beast has been with us since March when the pandemic began.
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Holiday shopping may be the farthest thing on your mind but we are less than 5 months away!
The crispness in the air is signalling that Halloween will soon be upon us ...
Instead of breaking even or getting a refund, you find out you owe money to the Canada Revenue Agency (CRA). Not sure what to do next? Here are 4 tips to help you manage the debt.
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Approximately 8 million Canadians have taken advantage of the Canada Emergency Response Benefit otherwise known as CERB
It may be awhile before we feel comfortable enough to jump on a plane and vacation away.
To say our world has been turned upside down as a result of the pandemic is an understatement.
But have you considered the financial impact that might happen if you were off from work ...
Got the January credit card blues? Did you overspend on the holidays and it’s finally catching up to you?
Too often people make financial resolutions that fall short in the long term. Without a plan ...
The following tips will help you balance the Christmas spending race ...
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November is financial literacy month in Canada and there is no better time to talk about money concepts.
It is possible to pay off credit cards over time but it requires ...
On a coffee date with a dear friend, we caught up on all the news of the day including his trip to Costco. How’d that go?
Tips to start the new year off right and help you keep your head above water.
Salyzyn & Associates Limited, Licensed Insolvency Trustee, provides the following six reasons why you need a budget.
A new year begins and with it, the chance to make significant changes in our lives.
It's easier than you think for criminals and scammers to steal your information.
Who has not heard “Just use your card Mommy” after you have told your child you couldn’t buy a toy they wanted?
Here are a few tips to help you balance your books while keeping the kiddies happy.
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If you are like most, no matter what your income level, you dread receiving your credit card bill.
Did you ever do something in the spur of the moment only to regret it quickly afterwards?
No one wants to go bankrupt once, let alone for a second time. But, it happens.
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Spring is finally here! Like cleaning your home, you can de-clutter the present and plan for your future.
Trying to establish credit for the first time or trying to re-establish credit after experiencing financial difficulties?
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The July 1st weekend marks the start of summer for most Canadians.
Hate to pack a lunch? Even a cheap lunch out of the office can run you close to $10.
Here are some ideas to keep your family entertained without breaking the bank this March break.
Before you get shamwrecked, these tips can help you save your pot of gold:
Are you dreaming up ways to spend your tax refund or already stressing about the amount you may owe to CRA?
The average Canadian spends $60 on a Valentines Day gift and that doesn’t take into account a dinner or a movie.
With tax season here, many people are anxious to file their tax returns and get refunds.
It’s a scenario that happens all too often. Your car is not working, or its aging, or your needs have changed.