Debt Relief Experts
Top Five Things To Do With Your Tax Refund
A tax refund can be a sizeable windfall. In this post we outline the top five ways to spend your refund wisely. We also explain why getting an instant tax refund may not be worth the fees.
Money Management
Zero-based budgeting: How to Give Every Dollar a Purpose
Ever wanted a budgeting plan where you get to spend guilt-free? Look no further than zero-based budgeting, where every dollar is accounted for so you can rest knowing your money is well-managed.
Top Tips to Help You Create Your First Budget
A budget can be the key to long-term financial success. We show you the steps to creating a realistic first budget which includes your future money goals.
7 Reasons Why Budgets Fail and How You Can Succeed
It’s common for people to have a tough time implementing and sticking to a budget. In this blog, we share some of the most prevalent budget “fails” and helpful tips to help you achieve your budget goals.
Needs vs Wants: Create a Budget That Balances Both
The key to creating a sustainable budget is balance and flexibility. In this blog, learn about what defines a need and a want, and how to use the 50-30-20 rule to create a budget that will work for you.
Emergency Fund or Credit Card Debt? What’s the Better Choice?
Many Canadians rely on credit cards for emergency funds. Is this a good idea? Doug Hoyes explores whether credit cards are OK to use in an emergency and whether to pay off credit card debt or create a rainy day fund.
Managing Money on a Variable Income
Managing money when your cash flow changes each month can be a challenge. Read along, as Doug chats with our podcast guest about tips on how to budget with intermittent income.
Want to Beat the Bank? Understand the Basics
Learning how to outsmart a financial institution may be very beneficial to you and your savings in the long run. Read along as Larry Bates shares his top tips on how to make these smart decisions.
Buying and Maintaining an Affordable Car
Owning and operating a car can be a financial drain on your budget often leading to extra debt. We talk with Scott Marshall, car expert, about 8 ways to make car ownership affordable and how to save on vehicle expenses.
Christmas Etiquette When You’re Dealing With Debt
Are you feeling the stress of having to buy gifts during Christmas, while dealing with debt payments? Here is our guide on the etiquette of leaving tips, re-gifting and donating when you are in debt.
Protecting Yourself Financially from Unexpected Life Events
Do you have a financial plan in case any unexpected life events occur? Doug Hoyes discusses your financial risk, how to reduce potential financial trauma and how you can eliminate any financial weaknesses.
Retraining for a Second Career while Dealing with Debt
Are you juggling training for a second career and trying to keep up with your debt payments? Learn about how Second Career Ontario can help with the cost of retraining so you avoid more debt.
What is a Robo-Planner? Automated Financial Planning
Learn about a new computer technology called Robo-Planner, how it compares to robo-investing, and how leveraging this technology can help you with financial planning.
Should You Have a Joint Bank Account?
Our experts offer their advice on the pros and cons of joint bank accounts and credit cards, and what happens to these accounts when one person finds themselves facing insolvency.
Investment Selling is Not Financial Planning
Fee-for-service financial planning or commissions? How should you pay for investment advice? We explore how to tell how to tell if someone is giving good advice or just trying to sell you a product.