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. The process of filling one out is usually very easy and the ...
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 ...
