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Rebuilding Credit: Which Loans Actually Help You Rebuild?
In today’s society, so much rests on your credit. The ability to purchase a home (using mortgage financing), a car, rent an apartment – even some jobs will require a credit report. Having bruised credit can make life difficult, especially if you are an undischarged bankrupt or in a consumer proposal. This is why rebuilding…
Read MorePersonal Loans in the GTA – How to Choose the Right One
The holidays are fast approaching, and for many of us that means weeks of increased spending. The gifts, the parties, the food – these things all add up and if you’re strapped for cash, you may just be cringing at the thought. Perhaps a personal loan is the perfect solution to your holiday woes. There…
Read MorePayday Loans – A Bad Holiday Financial Plan
The holidays are fast approaching. In fact, many of us have already started shopping or at least thinking about it. Perhaps this year you are a bit strapped for cash, and since you can’t just fast-forward to January and not spend a cent, getting through without a little help is probably not in the cards.…
Read MoreSmart Money Club: Winter Budget Planning: Fun Winter Activities That You Can Do on A Budget
Winter is just around the corner, and that means that the snow and cold weather are on their way too. As the days get shorter and we spend more time inside, it can be hard to find things to do for fun that don’t cost a lot. The goal of this blog is to rectify…
Read MoreBad Credit Loans: Who Offers Them and What They Mean to You
Many of us have been there; struggling to make ends meet, bills piled high, many of which just can’t be paid, credit cards with balances that can’t seem to be met. These things accumulate and turn the credit report on its head – making good credit not so good credit. Once this has occurred, even…
Read More2017 Financial Planning: A Home Equity Loan That’s Not a Mortgage
We’ve reached the final quarter of 2016, and that, for many of us, means thinking towards our goals for next year. Rather than waiting until New Year’s Eve and that list of New Year’s resolutions, right now is the best time of year to start thinking about your 2017 financial planning. Getting a plan in…
Read MoreConsolidating Debt After the Back to School Rush
A few weeks ago, just before school started, we talked about paying for those back to school expenses that often cost an arm and a leg. Now that the rush is over and those school clothes, shoes, and classroom necessities have been purchased, hopefully you are not feeling the stress of that spending. If you…
Read MoreIn The News: Bankruptcy in Canada on the Rise
Back in April, the Huffington Post reported on bankruptcy in Canada and noted that, according to the Office of the Superintendent of Bankruptcy (OSB), the number of consumer insolvencies (bankruptcies and consumer proposals) in Canada jumped by almost 10% over the past year. Have things changed since April? Is the Canadian consumer debt situation getting…
Read MoreHow to Re-Establish Your Credit After Bankruptcy
Most of us have been there at one point in our lives or another; dealing with money woes that can seem insurmountable. Some of us are able to find solutions to this issue that are less impactful on our overall financial health, while others turn to bankruptcy or a consumer proposal as the only solution.…
Read MoreTrade in or Trade Up? Lease Buyouts in 1-2-3
When it comes to buying a car, leasing is often seen as a very attractive option. The ability to get a brand new car, for a lower monthly payment, knowing you can trade that car in in the end and take on a new car once again, can often seem like the best deal out…
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