How To Survive Financially After Losing A Job
Losing a job can happen to anyone at any time. It seems like job insecurity is more of the norm these days than job security. The resulting stress can be tremendous even in circumstances where the layoff was inevitable or occurred for reasons outside of your control. The good news is that there are plenty…
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Why should I get a new account at a new bank?
There is nothing worse than having your bank freeze your account, taking money from your account without your permission or having your pay cheque constantly be applied to overdraft. When we consider our relationship with a bank we think of having numerous and separate accounts with them. For example, we may have a chequing account,…
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Budgeting vs. Asking for Help
Maintaining a balanced budget is not always easy. It can sometimes be very hard for Canadians to make ends meet, and therefore feel forced to use their credit cards. Credit cards can actually be helpful when you are strapped for cash, but more often than not, it starts the cycle of debt. Being aware of…
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Pay For College Without Going Into Debt
It’s no secret that college isn’t cheap — and the price of education is continuing to increase year after year. But paying for college doesn’t have to break the bank or put you deep into debt. Student loans can be a great way for students to get help paying for school, but they don’t always cover…
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Educating Students on Credit
When students leave home to attend post-secondary school, everything is new. All of a sudden they have more financial responsibility and often times struggle with budgeting. So, when they walk around campus and there are credit card company representatives basically handing out credit cards, of course they are going to accept them. The problem is,…
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Are you in financial trouble?
Many people have debt, but that doesn’t mean they are in financial trouble. Some people can manage their debt and are able to pay their bills and put money away for savings. But there are also many people who are in debt, but also have several other warning signs that may mean they are in…
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New Years Resolutions and Debt
New years resolutions often involve improving health, weight loss, or getting rid of a bad habit. There is one other resolution that people should consider this year. Don’t forget about improving your financial health and your bad credit habits in the new year. Consider adding one or more of these credit or debt resolutions to…
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Seek financial help sooner rather than later!
Many people, upon leaving my office after their initial consultation with me, tell me that they wish they had sought financial help sooner. The biggest mistake most people that have personal debt problems make is that they wait too long to get the help they need. Many people will struggle for years with these issues,…
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Black Friday (Week)
There was once a time when shopping on Black Friday meant huge savings that day which drew in crowds as early as 6 o’clock in the morning. People would take the day off work to wait in long lines in the hopes of getting an amazing deal on an item that they may or may…
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Holiday Season and Payday Loans
I know that for some people, Christmas isn’t even on the horizon, but for others, the credit cards are already out and the spending has begun. It’s a financially daunting time of year for many people, but the idea of having lots of presents under the tree is important to some people as well. With…
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