Financial Planning

Worrying about debt can be emotionally, mentally, and physically destructive. Debt can cause us to lose sleep, underperform at work, isolate ourselves, and keep secrets from loved ones. If you’re paying off one credit card with another, you may not even realize how much it weighs you down and consumes

The first step toward getting out of debt is acknowledgment. Most likely, you’ve landed on this blog post because you recognize that you’re in debt and need to take serious action to get out of it. Congrats on getting this far. It truly is a big, empowering step and can

A collection agency is a business that purchases or arranges payment for money owed, or past debt, to another person or company. Collection agents specialize in recovering unpaid debts. We understand that being in debt is stressful—and getting out of debt can seem daunting and emotional. But working with a

Many people don’t think about their credit scores. They even avoid building or fixing their credit. In fact, 25 percent of Millennials don’t even know what a credit score is. But in when it comes to credit, what you don’t know—or what you avoid—can hurt you. Your credit score is

Putting an effective budget together is hard work. You have to go back and look at your spending history, tally up all the sources of income and where that income goes, and then carefully distribute the money that isn’t going toward savings or debt reduction among a whole list of

The majority of Canadian debt holders are not just dealing with a single source of debt. Multiple sources, each with their own terms and interest rates, are often part of our daily lives. This can mean everything from (a couple of different) credit cards, to student loans, mortgages, auto loans,

With your own planning as well as the advice of others - including this very blog - you can make some pretty significant strides when it comes to bettering your credit. But what can you do if it all feels like simply too big of a challenge - if your

Despite fears that a generation of new homebuyers might be forced from the market due to rising costs of ownership, the percentage of Canadians who own their homes has remained fairly steady over the past decade. According to Statistics Canada data from the 2016 Census, more than 9.5 million of