The Debt.ca blog
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News & CommentarySurvey Finds Consumer Debt is Making History (And Not In A Good Way.)
As you check your balance on your credit card statement, your heart sinks again, knowing how far you are in the hole. There is another perspective to…
Budgeting & MoneySkip the Money Fight this Holiday Season
I love to start any discussion about couples and holiday season spending with a true story about a good friend. The first year she was married, her…
Debt RepaymentNavigating The Holiday Season When You Have Debt
Having debt is not great any time of year, but November and December are the worst! Spending time with family and friends, plus all the holiday…
News & CommentaryGood vs. Bad Financial Knowledge - How to Tell the Difference
Many fear the possible recession happening as early as the end of the year based on GDP growth . Leading many Canadians to seek sound financial…
Budgeting & MoneyFinancial Literacy Month: Your Complete Guide To Creating a Budget
What is budgeting and why is it important? Well, budgeting is estimating your level of income and expenses for a set period of time to achieve a…
Budgeting & MoneyWhat Retirees Wish They Knew Sooner about Personal Finance Planning
Ultimately, every decision you make about money adds up to create your financial situation. Every charge on your high-interest credit card and…
News & CommentaryFinancial Literacy Month: The Complete Guide To Understanding Your Debt
You’ve put in a lot of hard work this week to get clarity and understand your debts! Take a minute to celebrate your efforts! Now you have all of the…
Budgeting & MoneyBiggest Monthly Budget Missteps
Making a monthly budget sure seems like it should be straightforward enough. Just decide where you’ll spend your money, then follow the rules you…
Loans & CreditSimple vs. Compound Interest
Interest can be good or bad, depending on what’s happening to your money. Is your money safe in a bank account or an investment? Is it growing? Or is…
Credit HealthFinancial Literacy Month: Your Guide To Building, Improving, and Maintaining Your Credit Score
Credit Score Is Not A Bore! I get it. Doing money-related stuff can be the most BORING, mundane task on your to-do list! If your adrenaline’s…
Budgeting & MoneyCash Flow Management - How Much of a Budget Buffer is Best
When things go wrong, as they sometimes will, solid cash flow management and a budget buffer can make all the difference. Whether your car needs…
Loans & CreditCredit Card Fees Are Increasing - Here's How And Why
A big change just happened in the world of credit card fees that can really pack a punch to your wallet. You might find a new addition to the already…
Budgeting & MoneyBest Places to Keep Your Emergency Fund
The fridge started making a funny noise and stopped keeping the food cold. The noise the car makes sounds even more expensive. Let’s not even talk…
Housing & MortgagesAlternative Options To Get Into The Housing Market
Are you finding it tough to get into the housing market ? You’re not alone. In this article, we’ll look at alternative options to get into the…
Debt RepaymentPaying Off Debt Minus The Guilt And Embarrassment
Carrying debt is a burden in many ways. Not only does it stress your finances, but you may also feel emotions like embarrassment that affect your…
Budgeting & MoneyTypes of Budget and Budgeting Tracking Systems
Budgeting is a key skill to learn if you want to ensure you have healthy money habits. Even with all the great benefits budgeting offers, statistics…
Budgeting & MoneyWhen Impulse Spending Makes Sense
Just the term “impulse spending” sounds like it will break the bank. The dictionary definition uses the word “unreflective.” Why's that a big deal?…
Budgeting & MoneyMoney Management With A Variable Income
If you work in the gig economy or maybe your income changes due to commissions, you struggle making a budget.
Taxes & BenefitsNeed financial assistance right now? Here’s where to look
Has life thrown you for a loop and you need financial assistance immediately? Here are a number of places to look for financial assistance right now.
Loans & CreditHow to Survive Not Having a Credit Card
How did you end up not having a credit card? Perhaps you declared bankruptcy and had to surrender your credit cards. Maybe you made a deal with…
Taxes & BenefitsCERB Repayment - Why some recipients are being told they must pay the money back.
The dire nature of the pandemic meant that the federal government had to act quickly. They created the Canada Emergency Response Benefit (CERB). This…
Debt RepaymentHow to Handle Awkward Conversations About Your Debts
Talking about the debts you owe is never easy. Regardless of the situation and who it involves, conversations about money are awkward. These…
News & CommentaryHow Different Generations Manage Money
How different generations manage money is an ever-changing topic. From saving to spending, each generation has different money habits. Do you think…
News & CommentaryWhen a “Good Deal” Turns Out to be A Raw Deal
A good deal is hard to resist. It’s like winning at retail therapy. Sometimes, good deals are an illusion. How do you know if a ”good deal” is…