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5 Signs That You Have Too Much Debt And Need Debt Help

Posted on Jun 6, 2015 in Budgeting, Debt, Debt Counseling, Financial Advice | 0 comments

There are lots of different tells that you have that let debt levels get out of control and you should consider getting some debt help. Basically, if you are even asking yourself if this is the case, there’s a good chance you are in trouble.   But see if any of these warning signs resonate with you. 1. You have no money in your savings account Having money in savings is about creating a nest egg for the future and putting aside funds for...

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Are You in Debt Denial?

Posted on Mar 6, 2015 in Credit, Debt, Finances, Financial Advice | 0 comments

Are we just fooling ourselves.? Sure you’re carrying a balance month to month on your credit card, have car payment and a substantial mortgage on your house. But this is normal, right? No, not necessarily. There’s a good chance you’re fooling yourself. While carrying a balance on your credit card may be par for the course these days, consumer credit rate site RateSupermarket did a poll of 6,000 Canadians and discovered that...

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10 Debt Danger Signals

Posted on Feb 24, 2015 in Budgeting, Credit, Debt, Debt Counseling, Finances, Financial Advice | 0 comments

After the expense of the holidays, many of us wonder how much debt is too much. Yes, Canadians are used to carrying record debt loads, but there comes a point where the burden may become too heavy.  Here are 10 danger signs that could reveal your spending is out of control: 1. You are making only minimal payments on your credit card balances as you head towards maxing them out. 2. Even so, you continue to use them for everyday purchases, such...

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Financial Resolutions for the New Year

Posted on Dec 30, 2014 in Budgeting, Finances, Financial Advice | 0 comments

The new year is a time of new beginnings. Many of us make resolutions to live more healthily, fix up our relationships and get our finances in order. While we can’t help you lose weight or improve your love life, we’d be happy to offer you eight suggestions so that you can get a better handle on your financial affairs. 1. Make a Budget While this may seem obvious, you would be surprised by how many people navigate the tricky waters...

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Will Bankruptcies Increase as Economy Improves?

Posted on Dec 11, 2014 in Bankruptcy, Debt, Financial Advice | 0 comments

As the outlook gets rosier for the Canadian economy, those in deep dept may pay the price with bankruptcy. With the U.S. economy expected to undergo a widespread recovery next year, Canada will likely fall suit, with rising interest rates as well. Normally this would be good news. However, Canadians are going into the biggest shopping season of the year staggering under the load of a record $1.51 trillion in debt. Our debt levels significantly...

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How To Rebuild Your Credit Rating

Posted on Nov 17, 2014 in Credit, Credit Rating, Finances, Financial Advice | 0 comments

Your credit rating has taken a beating. You regularly pay bills late. Sometimes you can’t make even minimum payments. Perhaps you’ve gone through a bankruptcy or the consumer proposal process. But what now? How do you rebuild your credit rating? Find Out Where You Stand First, to see where you stand, get your sactual credit rating  from TransUnion Canada or Equifax Canada. OK, you’ve absorbed the bad news. If you’ve gone...

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