Debt Blog, Debt Advice & Tips for Canadians

Consider debt settlement

Is debt settlement right for me? Consider this…

By Rubina Ahmed-Haq on December 19, 2019

For anyone struggling to pay their credit card debt and bills, the stress can be overwhelming. In many cases, the debt continues to climb, despite making payments, because expenses keep rising. The strain of this can be devastating. Studies show Canadians are increasingly worried about their financial situation. Many aren’t sure how they will get…

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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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Hands putting two puzzles pieces together

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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Understanding your credit score

Understanding your Credit Score

By Rubina Ahmed-Haq on July 23, 2019

Take steps to understand what your credit score means, what a high credit score enables you to do, and what a low credit score prevents you from doing.

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There are options to getting a loan, even if you have bad credit

Getting a Loan if You Have Bad Credit

By Rubina Ahmed-Haq on July 19, 2019

If you’re getting your life back on track and want to get a loan, sometimes history can bite you. Here’s how to go about getting a loan with a bad history.

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Most students graduate with approx $26,000 in student loans. Here is how we can help

The State of Student Debt in Canada

By Steve Horton on June 13, 2019

Are you dealing with student debt in the midst of the coronavirus? Contending with the virus, student loan payments, and earning cash while distance learning can stress the most resolved student. The COVID-19 pandemic is making Prime Minister Justin Trudeau and the Canadian government roll out various support programs to help the general population and…

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A paper list on cork board

Credit Ratings Explained

By Sean on June 10, 2019

Credit is something many of us take for granted. If you have good credit, you should have no problem borrowing money at the best interest rates with the most favourable terms and conditions. If you’re able to pay for your home, car and other assets in cash, you may not care about your credit score,…

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Avalanche

Pay Down Debt with the Avalanche Method

By Rubina Ahmed-Haq on May 30, 2019

Learn about the avalanche method, one of the most effective techniques for paying down debt from one or more sources and interest rates.

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Debt snowball plan under magnifying glass

What is the Snowball Method to Paying Down Debt?

By Rubina Ahmed-Haq on May 29, 2019

Learn about the snowball method, one of the most effective techniques to paying off different kinds of debt with different interest rates.

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Hands opening an empty leather wallet with above laptop

What is Insolvency?

By Sean on May 21, 2019

Insolvency means you’re unable to pay your debts as they come due. When used as a commercial term, it means that your business is unable to pay off its debts. It is typically defined in two separate ways: cash flow insolvency and balance sheet insolvency. Let’s look at both now. Cash flow insolvency (otherwise known…

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