Emergency Funds—An Important Part of Financial Planning How long would your current savings last in an emergency? What if you suddenly lose your job or face unexpected expenses, such as urgent home or car repairs? Maybe you want to make a career change, possibly to self-employment, and will experience a less stable financial situation for … Continue reading Emergency Funds—An Important Part of Financial Planning
Remember the surge of excitement that came with getting your first credit card? It felt like a rite of passage; that somehow you were finally an adult. Over the years the thrill of getting your credit card statement has decreased. In fact, for a great many Canadians, just the thought of their credit card bill … Continue reading Credit Card Debt in Canada: The Good, the Bad, and the Ugly
WHAT IS DEBT CONSOLIDATION? According to the Bank of Canada, the average Consumer Debt (excluding mortgages) held by Canadians is $20,759. As most Debt Experts will tell you if you owe more than $20,000 it gets harder to make a payment that is substantial enough to pay down your interest. As a result, your debt … Continue reading WHAT IS DEBT CONSOLIDATION?
Canadian households are carrying more debt today than ever before. According to a Statistics Canada study beginning in the early 90s, the amount of household debt has risen consistently. In fact, by 2012, 71% of Canadian families were living with debt; mortgage and consumer debt including credit cards, lines of credit and other loans. If … Continue reading Debt consolidation services: is this the right debt help for you?
How to Repay your Ontario Student Assistance Program (OSAP) Congratulations graduate!!! You’re finally finished with exams, study sessions, and all-nighters fueled by bad coffee. As you embark on this new phase of your life, where will the journey take you; an exciting new job? Time off to relax and travel? Perhaps you’re not sure of … Continue reading How to Repay your Ontario Student Assistance Program
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