Are you looking for ways to give your garden a fresh look without drying up your savings account? There are plenty of ways to add some colour and style to your yard without mowing over your budget and staying economical. With summer in full swing, here are a few budget-friendly tips for making your green ...
From iPhones to tablets, from laptops to chargers, technology has become a ubiquitous component of our daily lives. Whether it’s your car’s GPS unit or your top-of-the-line headphones, our lives are becoming increasingly IT-dependent. However, our never-ending desire to be plugged in means we often tune out when it comes to saving on technology. Are ...
Picture yourself on a warm, sandy beach. Waves are calmly lapping the seashore and you’re basking under the sun. Does this sound like your retirement paradise? Once nearly guaranteed, a comfortable retirement has now started slipping out of the reach of many aspiring retirees. Keep reading for a few things to consider that will help ...
How do I know the real value of a car ? How can I tell if a car is in decent shape ? What should I look for during a test drive ? If you have ever considered buying a used vehicle, you have probably pondered all these questions and more. There are a seemingly ...
While some of your bills may be unavoidably high, electricity is one expense you do have some control over. With its ubiquitous role in our daily lives, it is easy to take this utility for granted. You may even forget that you pay according to your usage. Sure, we all have to shower, cook dinner ...
Are you one of the many millennials on the hunt for your first house? Don’t wait until you have found your dream home to find out about mortgages or down payments. Put your best foot forward by getting money matters settled well before you start searching for a house. It’s never too early to ...
Do you regularly rack up charges from exceeding your maximum monthly data allowance or number of minutes? Tired of accumulating long-distance charges to make international calls? Looking for a new phone or plan? Keep the following in mind to avoid paying for excessive charges or useless extras. Live together, save together If you have ...
Nothing says “welcome to adulthood” quite like getting your first credit card bill. Having a credit card gives you the chance to build a solid credit history. However, it also comes with the risk of ending up in the red. Whether you’re a first-time credit card shopper or an experienced cardholder, there are a few ...
We’ve all had wardrobe purchases that, sooner or later, we’ve lived to regret. Designer shoes we splurged on, hoping they would be more comfortable after getting worn in. A patterned scarf you couldn’t walk away from, even though it doesn’t match anything else you own. Or maybe it was a party dress that no longer ...
How to pay for your child’s education is an issue that undoubtedly crosses most parents’ minds as their children grow up. Although it may seem like a far-off event, before you know it, your kid will be graduating high school. This important milestone often involves considerable financial stress as your kid prepares to leave the ...
Does your idea of investing consist of putting spare change in a piggy bank? If so, then you might want to consider the following tips to help you get the most out of your finances and learn about investment. Assess your financial situation and your goals Your investment goals will depend on factors like your ...
There’s no question that owning a home is a major responsibility that comes with significant challenges and expenses. Do you have a mortgage on your home that you’re still paying off? You may be able to take advantage of your home equity to maximize your financial gain from your assets. Your equity can be used ...
Like any insurance policy, life insurance and other similar types of insurance depend on many variables. These may include your age, gender and medical history. Therefore, it pays to shop around and factor in your personal situation. This will help you figure out which type of insurance you need and which policy best fits your ...
With summer just weeks away, you’re probably already thinking about where to spend your precious free time. Not sure which corner of the globe you want to visit for your summer vacation? Regardless, you’ll want to get the most out of every hard-earned dollar. Thankfully, we’ve done the work for you of selecting a few ...
Renovating your home does involve some up-front expenses. However, you can easily recoup your costs through the resulting added value if you decide to sell. Here are a few starting points to inspire your next home renovation project. Upgrade appliances Household appliances like refrigerators and dishwashers are at the source of up to 14% of ...
As Canada’s largest city, there is undoubtedly no lack of things to do in this bustling metropolis during the month of May. A smorgasbord of Canadian culture, shopping, live performances, cuisine and more, it’s easy to empty your pockets fast in Toronto. However, try seeking out alternatives to the typical tourist attractions and sights. This ...
If you’re a nature enthusiast, Victoria is your ideal destination. A seaside paradise, Victoria has been nicknamed “The Garden City”. There are many opportunities to take in its abundance of urban greenery and to explore everything else it has to offer! Victoria’s Scenic Marine Drive Hit the road! If you’re into road trips, this is ...
When thinking of ways to save, downsizing your home or buying a used car instead of a new one may come to mind. These bigger-ticket items will undoubtedly help you keep your expenses in check and are likely sensible choices to make. However, there are also plenty of small, daily expenses that you can minimize ...
As the nation’s capital, Ottawa plays host to a number of important federal institutions and officials. However, as a visitor, you can still enjoy the best of this city without spending a pretty penny. Explore the capital buildings It goes without saying, a visit to Ottawa is not complete without taking in Parliament Hill. Take ...
The hub of the Maritimes, Halifax is small enough to almost forget you’re actually in a city. Nonetheless, it’s big enough to offer something for everyone seeking to discover this seaside jewel. Equal parts hip and cozy, you’re bound to find plenty to discover, no matter your interests or your budget. Head to the harbour ...
Looking for some quick money, but not ready to volunteer to work overtime at your day job? At one point or another, there’s a good chance you might need to look for some alternative sources of income. If you find yourself in a financial tight spot, consider some of the ideas below. Depending on what ...
Even if you live on a strict budget and do what you can to reduce expenses, extenuating circumstances may make it necessary for you to seek out financing to make it to your next payday without getting behind on bill payments or other immediate expenses. Do you have mounting medical bills due to a recent ...
Don’t let the excuse “I’m on a budget” prevent you from having fun. With a little creativity and some planning ahead, you can still enjoy many leisure activities without busting your budget. Keep reading for some suggestions from Eastern Loans on how to have fun while staying frugal. Go in a group, split the budget ...
We’ve all heard the saying that “it’s not about the money.” Everyone wants to enjoy their day-to-day life without having to track every cent in their bank account. However, if your wallet is weighing heavily on your mind, you’ll need to assess your financial situation and learn how to manage your money. This may involve ...
Eating healthy does not mean that you have to blow your budget, spend hours scouring grocery shelves for the perfect ingredient, or invest all of your free time (which, let’s be honest, everyone seems to have increasingly less of these days) in meal prep. Keeping the following tips in mind will allow you to enjoy ...
It’s February and by this time of year, you’re likely just beginning to see the light as you crawl out of the financial hole the holidays had dug. If you’re lucky enough to have that special someone however, the celebration of love right around the corner might be a source of financial stress. Fortunately, it ...
You already know what winter means for Canadians: Shovelling the driveway, scraping the ice off your vehicle in the morning, bundling up for 10 minutes before facing the outdoors and of course; the most expensive electricity bill you can expect to receive during the year. Winter’s about half way through (we hope!) but there’s still ...
Do you have any idea how much fees you pay each year to your bank? Most people do not pay attention to these fees and at the end of the year, the total amount is certainly higher than what people expected to pay. In Canada, the total amount of banking fees paid by an average ...
Is becoming a homeowner one of your dearest dreams? Be prepared, Canadian real estate is currently paved with obstacles making the way to homeownership difficult. For example, the housing costs never cease to increase. The challenges are so great that it forces some to postpone their plans to become owners or even to discourage other. ...
Are you currently in a precarious financial situation? Navigating through all the different loans offered by many financial institutions or private lenders can be confusing. It can feel stressful and hopeless. Do not panic! There is a type of loan for every situation and the most common possibilities are listed and explained below. There ...
Are you flat broke and swimming in a sea of debt? Is it difficult for you to pay off your bills on time? If one of these situations apply to you, you are probably stressed out by your financial instability. But do not panic! Debt counselling can help you regain your monetary security. The financial ...
As a recent graduate, you may be struggling between finding a new job and paying off your student loan. In an ideal world, everyone would have a good paying career after he or she finished her or his post-secondary education. However, in reality, students often have difficulty to find a job following graduation. Making ...
Sometimes the unexpected events of life put you in a little sensitive financial situation. For example, you need to do purchases related to the repair of the car or to hospital expenses. Or maybe, sometimes you simply need an extra money to do some home renovations but you are left with no alternative but to ...
If you intend to buy a house recently, you already know that shopping for a new home in a red-hot market is not an easy task. Properties located in much-appreciated neighborhoods are so valued and in great demand that buyers are often forced to buy hastily without even considering housing inspections or financing clauses. ...
Whether you forgot the bill under a pile of documents on your desk or you had unpredictable fees to pay that prevent you to pay your bill on time, late payments happened to everyone. As a result, you know your credit score will be affected. Don’t worry, this is not irreparable. Here are some tips ...
Nowadays, students’ financial situation is an important issue wherever the university they are studying in. Many of them are dealing with colossal student debts that prevent them from fully enjoying their student life the way they should. Well, if you are a student and you owe a huge sum, it’s your lucky day! This ...
“Pass Go and collect $200”. If only life was as easy as Monopoly… You may be planning to renovate your house or looking for funds for your next vacation. Either way, personal loans can help you achieve your financial goals. However, you need to be on the look-out for some key elements. WHAT ...
Even if we often hear about home equity loan, the concept can be quite vague. Some people even make confusion between home equity loan and home equity line of credit, which are two totally different things whether it is by their terms or the rates applied to each of them. Let’s go back to the ...
Nowadays, it is hard to lead a normal life without a credit card or loans. When you are unable to repay what you have borrowed, it becomes quite difficult, if not impossible, to get any more credit. When you find yourselves in this situation, you must find out the best options as soon as ...
According to Statistics Canada, canadian debt has increased by 23% over ten years ago. This situation may seem alarming and worrisome because the debt ratio keeps on growing, but in itself, it is not that dramatic if you know how to get out of debt or how to stay out of debt. However, the ...
Canadian students loans is an important issue in our country today. The Canadian Federation of Students evaluates the average debt of students to 28.000$. Usually, students take more or less ten years to repay this amount of money. A student loan can sometimes appear as a source of stress or can contribute to creating ...
Sometimes, no matter how hard you try, you seem to keep on living paycheck to paycheck. Which means that you spend an amount equal to all or more of your net pay each week. For some people, if their paycheck was delayed by a single week, they would be in a difficult financial situation. ...
During grocery shopping, do you sometimes end up at the checkout with a bigger bill than your wallet allows? It may be because you didn’t plan a shopping list ahead or you stepped foot in a supermarket with an empty stomach! Fortunately, there are a lot of strategies that can help you save money ...
Finance blogs are very diverse. From day to day saving, to index investing and debt managing, there are many blogs out there to help you learn about finance or manage your budget. The five following blogs are some of the best out there. All five of them are unique and different from one another but ...
Either you are an enthusiastic traveler or you are traveling for the first time, trips can cost a lot and cannot be a rushed decision. The final amount may vary according to your destinations but your expenses are considerable and should not be ignored. Here are a few tips which can help you save money ...
Your credit report compiles all the information about your credit habits and creates a tool that can be used by lenders and creditors to assess your creditworthiness. Having a bad credit in Canada, and everywhere else, is almost as compelling and restrictive as having a criminal record. In other words, in the eyes of ...
While dogs are Man’s best friend, cats and other pets are just as loved by their owners. Whether you have a smaller pet or a bigger one, they are always in need of attention and care that can sadly cost you a lot, especially if they get sick. Here are some easy tips and tricks ...
While books about economics may seem boring and only good for academic knowledge, there are some great ones out there that are just as entertaining as novels. We are never too old to learn about a subject, especially one as important as economics. The 5 following books are some of the best picks out there ...
Your credit score is vital for your healthy financial future. It will determine your eligibility for loans and mortgage. Sadly, the credit score is still mysterious and unknown to many. Some even discover they have a bad credit. It is important to understand all its ramifications if you ever want to improve it or to ...
Making a budget is the easiest and cheapest way to manage your finances from home. This simple tool will allow you to plan how you spend your money and calibrate your spending habits. It may seem tricky to get started, but budgeting can be fairly quick and easy if you follow these simple tips. Finding ...
When in need of money, the right solution can be hard to find. While there are plenty of possibilities out there, you should always educate yourself about all of the options presented to you before making a choice. Instalment loans are usually one of the best solutions when money is needed quickly, and here are ...
While love is priceless, pregnancy, childbirth and caring for a newborn can easily become expensive very fast. On an average, Canadian household spend from $3,000 to $10,000 annually on basic care and need for their young child. Whether you are about to have a child or already have one, the list below will help you ...
We all wear different clothes in different styles, from different shops and in different sizes. Buying good quality and great-looking style may be really pricy if you don’t know how to look for deals and how to shop. Choosing clothes and styles will be super easy for you if you follow these tips to save ...
Through out the years the holidays have become pricier every year. From the lights we hang outside our houses, to the copious eve’s diner we savour and the numerous gifts we buy for our family and friends, the bills pile up very fast. While it is pretty hard to avoid that debt from happening, there ...
Yes, saving energy can save you a great deal of money. In fact, there are some small and easy changes that you can make to your everyday routine that will help the planet and your wallet at the same time. Use Your Thermostat You can invest in a programmable thermostat that will allow ...
Improving your credit score can seem to be an extremely hazardous task. However, there are, as a matter of fact, some very easy ways to build a good credit. The seven following tips are simple yet very effective to building a good credit for yourself. Pay your bills on time It seems basic but paying ...
Grocery shopping can be extremely expensive if you don’t come up with strategies before going to the store. Here are nine helpful tips that will make you save money when shopping for food. Make one trip Instead of going multiple times in the week, it is better to make one single trip to the store. ...
Every year, the fastest growing businesses in Canada are recognized and listed basing on the accumulation of profits and growth of revenue with a period of 5 years. PROFIT 500 program recognizes their achievements and high contribution to Canada’s economy. Below are the highlights of top 5 fastest growing companies in Canada as by the ...
Thousands of bankruptcies are filed out by Canadians every week. But what if there was a way to deal with your debt without the dreadful consequences of going bankrupted? Consumer Proposal can be a great alternative to resolve your debt problems with creditors as the process of filling one out is usually very easy and ...
If you’re looking to turn your house into a home, decorating plays a major role. Home decor helps reflect your personal sense of style. It also sets a certain tone and ambiance to a dwelling. Sure, most people would love to have a home that’s decorated perfectly with an unlimited budget. However, in order to ...
Trying to balance work, school, home, and your social life can be quite difficult, especially when you are trying to save money. Don’t let procrastination have an impact on your wallet. Through stashing cash and cutting expenses, you can begin saving. Let’s look at five easy things you can do to save money. 1. Follow ...
When it comes to money, being prepared is crucial. Employing apps on the computer, such as Quickbooks and Excel to control your finances, is a tremendous start. However, what about when you need something on the go? Take advantage of the smartphone you use daily and turn it into a powerhouse for your finances. Applications ...
There is never a reason to be bored in Ontario, Canada. Don’t have money? No problem! Everyone, from those who love the outdoors, to those who enjoy a good show, is welcomed with open arms. Starting with beer enthusiasts, visitors to Toronto can head over to the famed Distillery District and get one of thirteen ...
Many people believe that taking a vacation will inevitably break the bank and cost them thousands of dollars. However, by doing some extra planning and cutting corners when possible, you can have a great trip for a low cost. Here are four tips for traveling on a tight budget: Travel at the right time. Timing ...
Whether you are ready to trade in your older car for a shiny new model or you just got a new job and need to purchase a reliable set of wheels to go along with it, the ins and outs of buying a brand new car can be confusing. By doing your research ahead of ...
A bad credit history or low credit score may be a hindrance to accessing loans. It is a nightmare during emergencies when you need access to a credit facility. However, there are numerous organizations that may make it easy for you to access a loan with a bad rating as they believe that your rating ...
Most people have found themselves in a financial bind at some point. Whether it’s a vehicle that has broken down, a medical emergency, or an unexpectedly meager paycheck — expenses still have to be paid. If you’ve found yourself short of cash, then you may have already researched payday loans online. There are so many options ...
Debt is a scary thing that seems to feed itself and grow larger. To get out of debt or to climb to a higher plateau of financial safety, a person needs a little bit of money to repair her car so she can pick up her kids and make it to work on time, or ...
Escape The Payday Loan Runaround With A Better Short-Term Loan Payday loans are designed to help people who need a small amount of cash ahead of their next paycheck. For a minimal amount of paperwork, and relatively few acceptance requirements, a loan recipient can get a fast loan on the promise of paying the loan ...
