Articles by Melody Wright 17 articles
Debt ReliefWhy has the demand for consumer proposals increased so much over the last decade?
Consumer behaviour has shifted in the past decade toward more consumer proposals. As Canadians cope with financial crises, more people settle with…
Loans & CreditHow to Choose the Perfect Credit Card
There are plenty of options when it comes to credit card offers. Are you looking for a rewards program? Something to get you airport lounge access?…
News & CommentaryHow to Effectively Manage Someone Else’s Financial Resources
Many Canadians handle financial resources or matters for a loved one who can’t do it themselves. This can be a difficult task. Thankfully, there are…
Credit HealthCredit Building Without a Credit Card
Credit building can be difficult. If you don’t have a responsible repayment history, getting a line of credit or an unsecured credit card can be…
Budgeting & MoneySaving While Being In Debt
The COVID-19 pandemic has taught us life can be unpredictable. Having funds set aside for unexpected emergencies such as medical bills, car repairs,…
Loans & CreditCredit Card Authorized Users, Good or Bad Idea?
Having a credit card with an authorized user is not a decision to take lightly. It's important to know how an authorized user account works and how…
News & CommentaryWhy being insured properly is a fundamental part of finances
Insurance is an agreement between two parties: the insurer and the insured. An insurance company protects the insured from financial losses incurred…
Budgeting & MoneyDon’t like doing family finances? Advice for making it painless.
Life can be hard enough without stressing over the economic impact of your family finances. Many people lose sleep or give up time with family…
Budgeting & MoneyWhat everyone needs to know about financial abuse
Typically, emotional and physical mistreatment comes to mind first when discussing domestic abuse. There's another type of abuse that needs vigilant…
Budgeting & MoneyManaging Finances When You’re Laid Off
It can be difficult to figure out what to do with your finances if you suddenly lose your job. Getting laid off from work can be a challenging time.…
Budgeting & MoneyConsidering Switching to Digital Banking? Here’s What You Need to Know
Online banks (AKA neobanks) are quickly gaining in popularity. If you can’t remember the last time you visited your bank in person, you might…
Taxes & BenefitsEarly Access To Your Income Tax Refund
The end of the tax year looks different for everyone. Maybe you end up with a balance owing, or maybe you end up with an income tax refund. If you…
Debt ReliefBankruptcy Discharge: What Is It And Why It's A Vital Step?
A period of financial hardship left you unable to make debt payments, but you want to avoid wage garnishment and legal action. So, after looking at…
News & CommentaryReading (And Understanding) A Contract Agreement
Contract agreements are full of confusing language and legal terms. It pays to put in the time to dissect the language and know what you are getting…
Budgeting & MoneyBanking Fees To Stop Wasting Money On
You need to have bank accounts. At least a chequing account, an emergency fund account, and a savings account. It's not unusual for someone to also…
Credit HealthBuilding Credit Dos and Don’ts
It’s possible to survive when you have bad credit, but it’s tough and more expensive. Building credit helps you save money and makes many aspects of…
Budgeting & MoneyGet Your Personal Finances Set Up Right For The New Year
As you look forward, it’s a great time to get your finances set up right for the new year. A fresh new start sets the stage for new goals, new…