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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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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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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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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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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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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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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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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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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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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