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 concentrating on. But maybe this isn’t the best approach. The Immediate Danger In martial arts, some teachers say that in any conflict you should ‘address the immediate danger’. This…
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Pre-authorized payments have made paying your monthly bills easier than ever. No fuss, no muss – your balance owing is automatically debited from your bank account, so you never have to worry about paying your bills late again. Although this is a blessing, it can also be a curse. As companies push their customers to…
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If you’re looking to get started in a well-paying career, chances are you’ll need post-secondary education. College and university have become the new high school of our parent’s generation – no longer can you work your way from the mail-room to the boardroom. Student debt can put a serious damper on your dreams of home…
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When it comes to debt, it seems people fall nicely into these two categories. Some people passionately believe that all debt is bad, while others argue that the only way to truly get ahead is by using borrowed money as leverage. At Debt.ca our goal is obviously to help people get out of debt, but…
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In a rough economy it can be tempting to declare bankruptcy, especially if you have rather large debts and a low income. After all, once you’ve declared bankruptcy, your creditors can no longer pursue you for the amounts you owe. However, bankruptcy can also have negative consequences. Filing for bankruptcy can force you to surrender…
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Many people see credit card points as rewards, but are they really? It could be that they are actually costing you unnecessary money. Points are very popular promotions offered by virtually every single credit card company on the planet, and they usually allow customers to get free stuff. This could come in the form of…
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There are a lot of factors to consider when deciding whether or not you should focus on paying off your debt before contributing to your RRSPs, or invest more in RRSPs rather than aggressively trying to pay off your debt first. It’s a difficult decision to make – you want to make sure you have…
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Somewhere in the back of your head, you KNOW that setting financial goals is important. But when you’re struggling with debt or other financial challenges, setting lofty goals may be frustrating more than helpful. After all, isn’t your only goal “I’d like to not be broke”? Fair enough, but the better you get at setting…
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In the first Make More Money post we talked about how to get started in freelancing. If you read through that and decided that freelancing isn’t for you, don’t worry. A second job might be the perfect solution. In our second Make More Money article, you’ll learn how to make the most of a second…
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Getting out of debt requires a lot of discipline. Frequently the advice you hear is to cut spending, cut expenses, cut your lifestyle. What most people ignore is the possibility of just making more money. Sure you can stop buying cappuccinos and cancel your top-tier cable package, but if you could earn an extra $500,…
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Debt.ca provides information and tools to help Canadians get out of debt. Learn more about the debt relief options in Canada and find out which one is right for you.
Individual results will vary. Debt.ca does not assume or pay any debt, nor does it provide legal advice or offer credit repair services. If you require legal advice, you will need to consult with a licensed attorney. Individual results are highly dependent on successful completion of program and your ability to save money. Settlement estimates of 40 - 60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results will vary based on individual circumstances. Please read and understand all contract terms prior to your enrollment. All testimonials, program descriptions and BBB Accreditation's are related to or provided by our third party affiliates. Names and pictures associated with client testimonials are not real in order to protect the privacy of all clients. Information from third parties is not verified or guaranteed by Debt.ca.
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