You’re facing a pretty crappy situation. You have more month than money working your full-time day job. Credit cards helped at the beginning, but your debt has started to pile up. You can’t keep falling behind every month! So, you decide to take control and do something about it. Is a side hustle the right…
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As the saying goes, “One person’s trash is another person’s treasure.” Are you on a mission to get out of debt? Maybe you’re already budgeting and working extra hours, but still looking for some extra cash: That extra cash might just be closer than you think. Look around your home for things just lying around…
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If you’ve started a new job search, you are in one of the most powerful and important negotiating positions you’ll ever be in. Starting salaries are the foundation for the rest of your earnings while working for a company. Starting too low can add up to a lot of missed potential earnings. That’s why taking…
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Home equity is at an all-time high. Over the last couple of years, real estate prices have soared, sometimes as much as 30% compared to the previous year. The high prices have filled homeowner pockets with an unexpected cash influx by way of increased home equity. The caveat is, that windfall is all locked up…
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It’s no secret that housing is a hot commodity in Canada. The housing market was booming even before the pandemic took it to record levels. For many, this leap in prices has pushed pause on their plans to make the move into homeownership. The Home Buyers’ Plan (HBP) is one way the government is helping…
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Many Canadians fall victim to scams and fraudulent activities. In 2021, the Canadian Anti-Fraud Centre (CAFC) recorded more than 106,000 reports of fraud from Canadian citizens, with an estimated $380 million of financial loss reported by 67,533 actual victims. Criminals who carry out frauds and scams will do everything they could to steal your money….
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Finally, retirement. Time to put your feet up, relax, and live off the money you’ve spent your life-saving. For many, especially those reliant on social security, this situation couldn’t be further from the truth. In an ideal world, you’d never have to worry about your credit score in your retirement years. Still, thousands of retirees…
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Is it “better to invest in RRSP or TFSA?” that is the question. Even William Shakespeare had a hard time with this one. One of the most common investment questions Canadians also ask is: “Is it better to invest in an RRSP or TFSA?” The RRSP and TFSA both have benefits, but as with all…
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If you’re buying a house, car, or taking out a loan, you’d naturally expect a credit score check to be a part of the process. Many people are shocked when insurance companies ask to perform a credit check when putting together insurance quotes, whether for car or home insurance. There is a reason that insurance…
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When you’re on a budget, the most mundane holidays and events can cause financial distress. Does your friend have a birthday coming up? You’re probably already stressing about being able to afford the dinner she invited you to. The same concept applies to holidays, including Valentine’s Day. Listen, I understand. No one wants to be…
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