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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 |

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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10 Debt Danger Signals

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

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 |

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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How to Lower Your Heating Costs

Posted on Dec 5, 2014 in Budgeting, Expenses, Finances |

As the cold weather descends, Canadians are faced with their annual challenge of how to stay warm without breaking the bank – especially as the cost to heat homes rises. To lessen the damage to household budgets caused by high fuel costs, here are five common-sense steps you can take: 1. Turn Down the Heat By setting your thermostat to 20 degrees, you may be able to reduce your heating bill by 5 to 10%. If it seems chilly, wear a sweater and...

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Five Ways to Sink Your Budget

Posted on Sep 30, 2014 in Budgeting |

For family or personal budgets to work requires the determination to run a tight ship. Otherwise small leaks can turn into a torrent that sinks your good intentions. Here are five problems that can torpedo a budget and ways to cope with them. 1. Food Eats up Your Budget When it comes to food, few of us like to deny ourselves. As a result, we’ll spend too much at the grocery store, or treat ourselves to meals out as compensation for a...

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Back to School Budgeting Tips

Posted on Aug 29, 2014 in Budgeting, Debt |

Parents everywhere can breathe a sigh of relief as their kids go back to school. However their happiness at no longer having to keep young ones amused is tempered by the worry of school-related costs: supplies, class trips, clothing, etc. We feel your pain. Here are some ways to lessen school sticker shock Take Stock Usually panicked about the approach of school, parents rush out to buy the things they think their kids need, racking up bills...

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