Debt Blog, Debt Advice & Tips for Canadians

How to Tell Someone You’re in Debt

By 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

By 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 survey. If you’re planning to go on a…

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3 Ways to Motivate Yourself to Pay Off Debt

By 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

By 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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Should You Buy The Extra Warranty?

By on July 28, 2014

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 insurance policy for consumer purchases – if your brand new washing machine or TV set stop working once the manufacturer’s warranty is up, you’ll still be covered Retailers offer extended warranties…

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How To Save Money As a Stay at Home Parent

By on July 23, 2014

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 house over your lifetime. Your family will also take a hit to their income when one parent decides to take maternity/paternity leave and become a stay at home…

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Is It A Good Time To Consider Buying Your First Home?

By on June 29, 2014

You’ve been house hunting for months when you suddenly come across your dream home: a three-bedroom bungalow with a garage and a walkout patio. If you’ve only managed to scrape together the minimum five per cent down payment, you may be wondering if you should purchase now or wait until later. Purchasing a home will…

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How to Come Out Ahead on Credit Card Balance Transfers

By on June 9, 2014

Credit card debt is one of the most profitable forms of debt for the big banks, so it should come as no surprise that banks are fighting for your business. If you have a large outstanding balance on your credit card and you’re already up to your ears in debt, a credit card balance transfer…

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Line of Credit: Protecting Yourself from a Financial Emergency

By on May 14, 2014

Most people don’t get into debt on purpose; they get into debt because they run into financial difficulty. While some people are in debt because they aren’t able to get their spending under control, others are in debt because they run into a financial emergency, such as job loss, illness, or an unexpected major expense….

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Is Credit Card Balance Protection Insurance Worth It?

By on April 22, 2014

If you have a credit card, chances are you’ve been offered balance protection insurance. The sales pitch seem appealing – credit card companies say they will be there for you in the event that you run into financial difficulties and are unable to pay your outstanding balance. At first glance balance protection insurance seems like…

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