Pull Your Head Out Of The Sand: Life Is Not a Beach! Everyone has their idea of a dream vacation. It may be trekking thru exotic lands, 5 star luxury at a glamorous all-inclusive, or shopping the fashion capitals of the world. Maybe it’s a tropical beach with miles of white sand, a mountain resort...Continue reading
Feeling Powerless: A Wind Storm of Debt Residents of the lower mainland are no strangers to big wind storms. It can leave you without power for hours, even days. So as you settle in for a dark chilly night while suffering thru the withdrawal of TV and Internet it dawns on you… this feeling isn’t...Continue reading
Taking Inventory – Counting Your Way Out Of Debt Ask anyone who has ever worked in retail and they’ll tell you ‘taking inventory’ is the worst!’ You have to count and categorize EVERYTHING. And if your numbers don’t match what is in the computer you have to do it all again until every last item...Continue reading
When The Winter Blues Leave You In The Red: A Colorful Debt Restructuring Solution It’s called the Winter Blues or SAD, Seasonal Affective Disorder. It’s a form of depression that is attributed to a lack of exposure to sunlight. On the west coast it usually accompanies our long, cold, grey and dreary winters. Lasting anywhere...Continue reading
Why You SHOULD Put All Your Eggs in One Basket: Debt Consolidation Mother always used to say “Don’t Put All Your Eggs Into One Basket!” I’m not sure what she meant by that. We didn’t live on a farm, our eggs came in a carton. Perhaps she was talking about diversifying, keeping ones options open....Continue reading
Rebuild or Renovate – Rethinking Your Approach to Debt Home Renovations are messy, expensive, and worrisome. It’s enough to make you go live off the grid in a tent. Which you would totally do, if you didn’t enjoy things like electricity and indoor plumbing. But ask anyone who’s gone through a major home renovation, there...Continue reading
Down Sizing Your Debt: Right Sizing Your Life There’s a new buzz word travelling through the corporate world. It’s called Right Sizing. It’s basically putting a positive spin on being down sized. Sure the guy doing the “Right Sizing” feels better about himself, but for the person left without a job… it’s all the same....Continue reading
Tis the Season- Debt and Taxes! You know the old saying about Death and Taxes being the only things you can’t avoid. Well that was true, a hundred years ago, but we’ve made some amazing advancements in medical science. Sadly the way we deal with debt is still prehistoric. Charitable Contributions Imagine the tax savings...Continue reading
How to Avoid Bankruptcy by Filing a Consumer Proposal The following is a case study of a client who came to our office recently. She was seeking help with her financial situation. Amanda Murray (not her real name) initially considered bankruptcy as her only option. Her numerous debts were causing considerable stress and anxiety, and...Continue reading
How Important Is It To Pay Off My Credit Card Balance Every Month? Very important!! This is a very complex consideration that many consumers are not aware of. My goal is to explain to you what happens when you make purchases on a credit card and what happens in regards to interest when you carry...Continue reading
