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Rebuilding Credit to Buy a House After Bankruptcy
When you claim bankruptcy, your credit takes a nosedive. This is just a simple, albeit very hard, truth. Since your credit represents your level of risk to lenders, an R9 rating on your credit report (the rating given if bankruptcy is filed) signals to lenders that you are high risk. This can make it very…
Read MoreBad Credit Loans: What to Look for in a Lender
When you’ve got great credit and go for a loan, obtaining approval is usually pretty easy. Since your credit is what represents your level of risk to lenders, when you have great credit behaviour, you represent a low risk. However, if you’re sitting with less than stellar credit, you represent far greater risk to a…
Read MoreThe Best Time to Buy a Car – Winter!
When the weather turns and the snow starts to fly, the last thing you’re probably thinking about doing is heading out to shop for a new car. However, if your vehicle has seen better days, it pays to shop now. Winter is the best time to buy a car. The best reason: Dealers are often…
Read MoreRebuilding 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…
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