Debt.ca, Author at Debt.ca

Coping with Christmas in debt

Coping With Christmas In Debt

By Debt.ca on December 9, 2019

Having to spend Christmas in debt can be emotionally trying. There are a few occasions in our lives where much of our financial responsibility gets thrown out the window. Babies are probably number one, but weddings, vacations, and Christmas (or Hanukkah) are close behind. December holds the time of year where many replace their penchant to save…

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Here’s a Quick Way to Get Focused On Your Goals

By Debt.ca on November 18, 2019

Stop feeling overwhelmed and start taking back control. Use these goal-setting tips to achieve you financial goals to live the life you want.

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Tips To Pay Off Your Student Loan Faster

Tips To Pay Off Your Student Loan Faster

By Debt.ca on March 7, 2016

If you hope to land a well-paying job, college and university are a usually must in a lot of fields. Sometimes an undergraduate degree isn’t enough; in some fields you’ll need a master’s degree if you want to move up the corporate ladder. Although student debt is considered “good debt” since it can help grow…

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Why Credit Card Interest Rates are High

Why Credit Card Interest Rates are High

By Debt.ca on February 23, 2016

Today you can get a 5-year fixed rate mortgage for under 3 per cent and a secured line of credit for as little as 3 per cent, so why are credit card interest rates still so outrageous? With a typical interest rate of 18 per cent, credit cards are one of the most expensive forms…

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Important Terms to Know in Your Credit Card Agreement

Important Terms to Know in Your Credit Card Agreement

By Debt.ca on February 22, 2016

A lot of people see their credit card as a license to spend. However, a credit card comes with a lot of responsibility. You should strive to always pay off your balance in full and never incur interest charges. You can easily find yourself up to your ears in debt if you don’t use it…

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Why Your Debt Service Ratios Matter

Why Your Debt Service Ratios Matter

By Debt.ca on February 20, 2016

For most families, a mortgage is the largest amount of debt you’ll incur in your lifetime. With home prices reaching the stratosphere in many housing markets nationwide, homebuyers are taking on larger mortgages than ever before. A mortgage represents a lot of money, so mortgage lenders do their homework before approving your loan. Lenders use…

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How to Tell Someone You’re In Debt

How to Tell Someone You’re in Debt

By Debt.ca on February 18, 2016

Honesty and trust are vital in a healthy relationship. If you’re in debt and hiding it from your partner, family and friends, you’re only ignoring the inevitable. Sooner or later they’re going to find out about your debts and feel betrayed. Wouldn’t you rather tell them on your terms? Here’s how to talk openly about…

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How To Budget And Save for Your Upcoming Wedding

How To Budget and Save for Your Upcoming Wedding

By Debt.ca on February 9, 2016

Are you preparing to walk down the aisle? While your wedding should be the most important day of your life, it’s equally important not to lose sight of your budget. Weddings don’t come cheap these days. The average wedding in Canada costs $22,429, according to a WeddingBells.ca survey. If you’re planning to go on a…

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3 Ways to Motivate Yourself to Pay Off Debt

3 Ways to Motivate Yourself to Pay Off Debt

By Debt.ca on August 5, 2014

Motivating yourself while you’re in debt is a huge challenge. Even after making huge gains, you’ll still see red on your balance statement for quite a while. Here are three ways to stay motivated while you get out of debt. Know where you’re going and how to get there Debt is often scary and overwhelming…

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How To Save Money at Garage Sales

How To Save Money at Garage Sales

By Debt.ca on August 1, 2014

Whether you’re a first-time homebuyer on a tight budget or a frugal spender, there are plenty of deals to be had at garage sales. Like a ritual, every spring there are plenty of street sales where homeowners set up shop in front of their property. Yard sales are the perfect time to socialize with your…

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