The Debt.ca blog
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Budgeting & MoneyDiscover the best budgeting apps for Canadians
If you want to learn about the best budgeting apps available, now is a perfect time. Canada is moving towards an increasingly cashless society.…
Budgeting & MoneyIncremental Budgeting: Gaining Capital Over Time
Incremental budgeting is a budget type where you add a specific amount of capital to a previous quarter’s or period’s budget to permit slight…
Budgeting & MoneyZero-Based Budgeting: Every Dollar Matters
Zero-based budgeting is when you allocate every dollar of your monthly income for budgeting purposes. In other words, your income minus expenses…
Debt RepaymentDealing With Debt: The Debt Avalanche vs Debt Snowball
Face it, when it comes to debt, no matter how big or small, it can be a major source of anxiety for Canadians. Paying debt off is a priority…
Debt RepaymentHow to Become Debt Free Before Getting Married
Are you planning on getting married, but worried about how the credit card debt, auto loans, or student loan debt you or your partner currently carry…
Debt ReliefWhich Type of Debt Should You Repay First?
Some people feel very anxious when they’re in debt and want to pay it off as soon as possible. But if you have a lot of debt or if you have many…
Budgeting & MoneyThe Cost of Breaking Up
We all know the cost of getting married is expensive. But have you stopped to think about how the cost of breaking up can be even more? Many couples…
News & Commentary10 Personal Finance Bloggers Share Their Best Money Advice
Every financial situation is unique and unlike others' experiences, which is why every piece of information you can absorb during debt repayment will…
Debt RepaymentThe Secret to Crushing Your Debt Before it Crushes You
If there is something that I have been asked many times since we paid off our mortgage it's "What's the secret to crushing debt?" Is there really a…
Debt RepaymentYou Paid Off Your Debt, Now What?
You did it, you finally made that last payment and your debt is paid in full! Now, you are ready to move on to bigger and brighter things. Money…
Debt RepaymentThe 3 Things You Need Besides Money To Pay Off Your Debt
You've decided that you want to break free from debt once and for all. Congratulations! When it comes to paying off your debt there are a lot of…
- Debt Repayment
5 Ways to Reinvent Your Social Life While Paying off Debt
For those of you who are just starting to pay off your debt, I’m sure you’ve realized that changing your lifestyle to reach your goal of financial…
Budgeting & MoneyLifestyle Inflation: A Wake Up Call
When you get a raise at work, do you immediately think about what you’ll buy with the extra money? When you find out that you’ll be getting an income…
Housing & MortgagesShould You Rent Your House Out On Airbnb?
With Airbnb growing in popularity, many people are wondering whether they could make extra money by renting their homes out on the site. Maybe one of…
Loans & CreditWhy Your Debt Service Ratios Matter
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…
Debt RepaymentHow to Tell Someone You're in Debt
Do you need to tell someone you're in debt, but are afraid of their reaction? Honesty and trust are vital in a healthy relationship. If you’re in…
Budgeting & MoneyHow To Budget and Save for Your Upcoming Wedding
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…
Debt Repayment3 Ways to Motivate Yourself to Pay Off Debt
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…
Budgeting & MoneyShould You Buy The Extra Warranty?
Whenever you’re making a major purchase you’re often asked if you’d like to purchase an extended warranty. An extended warranty acts just like an…
Budgeting & MoneyHow To Save Money As a Stay at Home Parent
Raising a child is a rewarding experience, but it’s also very costly. Here’s a shocking fact: raising a child can end up costing you more than a…
Budgeting & MoneyFrugal Living vs. Big Wins
When you’re struggling with debt, it’s hard to ‘think big’. Pinching pennies becomes a way of life and your next bill is the only thing you’re…
Budgeting & MoneyFrugal Dating Without The Embarrassment
Whether you are in a long-term relationship or are just getting started with someone new, dating can, unfortunately, take a large toll on your wallet…
- Debt Relief
What It Means To Be In Debt
Every few months there’s a report on the news telling us what the average debt-to-income ratio is in Canada. This number is used, in theory, to tell…
- Debt Relief
Good Debt vs. Bad Debt
In our last article, we discussed paying off debt or investing in your RRSP . That really begs the question about debt, and whether all debt is equal…