Kickstart your new year with smart money moves. Learn practical tips to help you build a budget, save for the future, and pay down debt. Discover how to set achievable financial goals, track your spending, and create an emergency fund to stay ahead. With these simple strategies, you’ll feel confident, in control, and ready to make the most of your money and your financial future.
This time of year can be a great month to “check in” on the relationships in our lives to ensure they’re stable, healthy, and on track. While you may do this with family, friends, and colleagues, there is one relationship check-in that you might be missing. How is your relationship with your money doing?
The start of a new year is a great time to think about preparing for retirement. RRSP contributions you make during January and February can be used in the current or previous tax year, wherever it’s most beneficial for you. But when retirement is looking over the horizon, any month is a good month to . . .
What are the most popular goals for 2025? Unsurprisingly, fitness goals, weight loss, and healthier eating are some of the most common New Year’s resolutions. There’s nothing like a brand-new year to bring about some self reflection and self improvement. But in that first rush of post-holiday, “new year, new me” enthusiasm, it can be . . .
Moving through this “merry” month, you may be juggling a variety of holiday tasks and projects, but what about managing your Christmas and holiday stress levels? A recent survey from Angus Reid* reports that Canadians are feeling the holiday stress; half (53%) say this year feels more emotionally stressful than past holiday seasons. Meanwhile . . .
Here it comes again, it’s the most wonderful expensive time of the year! It’s no secret that as the holidays get closer our spending increases and having Christmas on a budget seems very unlikely. According to a recent report by Equifax, credit card spending and consumer debt has gone up by almost 4% during this time, compared to . . .
Charitable organizations and the people they serve are extremely appreciative of the donations and support they receive. Most depend on fundraising and the generosity of the community. However, there can be times when donating financially isn’t possible, even if you have a longstanding commitment to doing that. If . . .
Few things are free in life, but thankfully, checking your full credit report is one of those things. Equifax Canada and TransUnion Canada, our official credit bureaus, each have their own version of your credit report. Other companies pull info from these reports when making decisions like whether to approve a credit application. If you haven’t checked your report before, here are 3 reasons why . . .
Wondering what’s the difference between a soft vs hard credit check in Canada? Put simply, a hard check affects your credit rating, but a soft check doesn’t. Also known as credit inquiries or credit pulls, these are a way for companies to see the info on your credit report. Of course, you can also check your own report. Read on to learn more about . . .
We all like to save money, but some tricks to save can actually cause costly money mistakes. You might have heard of this as being “penny wise pound foolish,” the origin of which comes from a quote in a 1600s book on melancholy. Having your efforts work against you can certainly feel discouraging! While there’s nothing wrong with counting pennies, seeing the big picture ensures . . .
Figuring out a single person grocery budget that’s good for your wallet and stomach can be tricky. While there are plenty of grocery shopping tips that work for any household, living alone has its own quirks. So how much should a single person budget for groceries? The average cost of food per month for one person in Canada used to range from $225-$250, but can be much higher now due to rising living costs. Here are . . .
Has a family member asked you for financial support? Think twice about an agreement to provide a loved one with money or to co-sign a loan for them. As much as you might care for that person and want them to succeed, you also . . .
How to Save $5,000 in One Year with a Budget Money Plan by Kevin Sun Want to save $5,000 in a year? That extra money in the bank could go...
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Financial Literacy Month 2020 November 2020 is the 10th anniversary of Financial Literacy Month in Canada! This month, the Credit Counselling...
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Financial Literacy Month Events for November 2013November is Financial Literacy Month in Canada and the Credit Counselling Society is excited...
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5 Strategies for Getting Control of Your Money Overcoming Bad Money Habits Getting on the road to financial success is within your reach. If...
Consolidating Credit Card Bill Payments & Debt Solutions are Available Across CanadaAre you interested in consolidating credit card payment...
Alternatives to Bankruptcy in CanadaBefore Declaring Personal Bankruptcy Check Out Your Other Options In Canada personal bankruptcy is often...
Non-Profit Credit Card Debt Help & Relief are Available Across CanadaWith so many companies advertising that they can help your with your debt...
How to Break the RRSP Loan CycleInvest in RRSPs Without BorrowingQ: Every year when I hear the RRSP deadline ads, I head into the bank, take...
Staying Home for Spring Break? Kids Just Want to Have Funby Julie Jaggernath Spring Break is a mere few weeks away and if you’ve got...
How to Keep Valentine's Day Affordable by Julie Jaggernath How do you celebrate Valentine’s Day with your spouse or the special people in your...
How a Penny or Single Coin Can Motivate You to Save & Change HabitsManage Money Better by Julie Jaggernath Do you remember the old rhyme, “See...
How to Talk to Your Spouse About Setting Financial Goals | Money & Relationshipsby Julie Jaggernath Do you talk about money and financial...
Keep Home Renovation Costs from Breaking Your Budget Home renovation costs can be hard for anyone’s budget. Maybe you’re planning to live in...
How Can Savings Help You Stick to Your Plan to Pay Off Debt?Q: I’m having a hard time paying down my debts and staying within my budget. I pay...
Money for Something… A Plan for Spending Gift Money by Julie Jaggernath Did your teens receive money or gift cards during the holidays? Have...
How to Build New Year's Goals & PlansQ: Another year has gone by and my wife and I are frustrated that we can’t seem to get ahead financially....
Changing Resolutions to SolutionsThe Debt Free Diet that WorksHave you made any New Year's resolutions? Many people plan to shed the extra...
Dashing Through the Malls...If your Christmas and holiday shopping is more about juggling your credit cards, budget and shopping bags, than...
How to Avoid a Holiday Hangover of Debt by Julie Jaggernath Nothing will ruin Christmas and holiday memories faster than a debt hangover in...
Financial Literacy Month 2012 Student Essay Contest WinnersWe were overwhelmed with how many creative, funny and interesting submissions we...
'Tis a Month Before Christmas, What Not to Forgetby Julie Jaggernath This can be an expensive time of year, whether you celebrate Christmas,...
How People Get Caught by Joint DebtsHere is a common scenario: a couple splits up, gets a separation agreement and then one of them tries to...
Myth: “Credit card companies wouldn't send me applications in the mail if I couldn't afford another credit card.” Just because a credit card...
How to Use a Balanced Approach to Pay Off Debt & Invest in RRSPs When faced with the choice of paying down high interest debt or investing in...
How to Weather the Financial Storms of LifePreparing for Financial ProblemsQ: A lot has happened this year to cause me to reflect about how...
How Electronic Banking is SafeWhat Is Your Money’s Biggest Threat?by Julie Jaggernath Almost everyone these days uses some form of electronic...
4 Reasons Why Couples Argue About Money by Julie Jaggernath Many couples find it hard to talk about money. Some try, but it often turns into...
How to Start Talking with Your Spouse About Money by Julie Jaggernath Money issues are hard on a relationship and if not solved, can and do...
12 Weeks and Counting... Are You Expecting Too?by Julie Jaggernath I couldn’t believe what my friends were telling me. It’s official – they...
Teens and Cell PhonesHow to Choose a Cell Phone PlanBy Julie Jaggernath Countless parents are confronted with the same question each week,...
Financial Literacy Month Events for November 2012 Financial Literacy Month is in November and the Credit Counselling Society is excited to...
How to Pay for College or University without Getting into Major DebtQ: I recently finished my first year at college. I had too much fun being...
How to Decide if You Can Afford Another Payment in Your Budget or NotQ: Each summer we enjoy time with our friends on their boat. After a...
Help! Our Home Equity is All Used Up, Now What?Q: We’ve always used our line of credit to pay our bills and credit cards, and then we’d...
How to Make Credit Card Rewards Work for YouQ: We collect points on our credit cards to help pay for our vacation costs but sometimes it can...
How to Tell If Your Father’s Day Gift Idea is Good Enoughby Julie Jaggernath By their own choice, my kids don’t spend a lot of time watching...
What Are Your Plans for Your Kids This Summer?5 Tips to Make Planning Easierby Julie Jaggernath It’s that time of year: kids are counting the...
How to Tell If You're Ready for a MortgageWhat You Can Realistically Affordby Julie Jaggernath Make a budgeting plan with monthly expenses in...
What to Do If You're Trying to Decide If You Should File a Consumer ProposalIf you are looking for information about filing a consumer...
What Do You Do When You and Your Partner Don't See Eye to Eye About Money?Spender vs. Saver Spouses Q: My husband and I argue about money, but...
5 Tricks to Keep Your Cash Safe from YourselfHow to Control Spending Q. Every time there’s a “special event,” my friends like to have a pub...
How to Clear the Financial Clutter When Filing Your Income TaxesQ. One of our resolutions this year was to file our taxes early, rather than...
Facing a Pay Cut or Reduced Income?Here’s What to Do Right NowFacing a pay cut is scary, but when you know it’s going to happen, how you get...
Balancing Spending on the Kids after DivorceQ: I’m a recently single mom of three. My ex and I both work and I receive support for the two...
Avoid Freedom 85 Tips to Retire Debt Free By Julie Jaggernath High consumer debt levels, possible interest rate changes at any time,...
Should I Save for My Future or Pay Off My Student Loans? What Should You Focus on: Getting Out of Debt or Saving for the Future? When it comes...
Credit & Debtors Agency With Advocates for Consumer Protection CanadaThe Canadian economy has slowed down, and many people who call themselves...
Credit & Debt Financial Counselling & Consolidation Services in Canadaby Julie Jaggernath When financial trouble strikes, many people don’t...
How to Manage the Ever Increasing Cost of Living – Focus on What You Can Control Q: My wife and I have good incomes and together we’re able to...
How to Keep Your Resolution to Shed Your Debt Weight & Get Out of DebtQ. My resolution to pay off my credit cards in 2011 only lasted until...
Awesome New Car Offers & Incentives May Not be so Awesome for Your Finances Q: I’m a little behind on my bills because I’ve had to sink money...
How to Protect Yourself from Fraud if You have been a Victim of Identity or Credit Card Theft in CanadaQ: I had my wallet stolen from my car...
How to Avoid Debt and Financial Problems when Purchasing a New CarIt’s that time of year again – car clearing season; and the ads are...
How to Get a Better Handle on How You Use CreditQ: Our daughter is in high school. She came home with an assignment to learn about credit and...
How to Improve Your Credit Rating (Credit Score) in Canada While Staying Out of Debt Q: I’ve had trouble finding steady work these last few...
Canadian Snowbird ChecklistMany Snowbirds look forward to sunshine and warm temperatures in the winter months – it’s a big drawing card for...
How to Deal with Financial InfidelityQ: I suspected my wife of having secret debt, so I confronted her. She confessed that she’s been carrying...
Is Your First Credit Card Getting Out of Control? Here’s How to Get Yourself Back on TrackQ: I’m a first year university student and during...
How to Get Out of Debt Quickly – for Those Nearing RetirementQ: My husband and I are hoping to retire in about 10 years. After meeting with...
How to Help Your Child Learn Money Management Skills after GraduationQ: Our oldest daughter recently graduated from high school and she’s not...
Pay Day Loan Help Available Across CanadaIf you or someone you know is struggling with pay day loans and is looking for a way to get their...
How to Keep from Getting Ripped Off by Debt Settlement & Debt Relief Scams in CanadaQ: I keep getting telephone messages from a company that...
How to Get Out of Debt - A Canadian OverviewThe First Step to Get Out of Debt - Get Organized To get out of debt, start by making a complete...
3 Steps to Pay Off Debt Before Interest Rates RiseBy Julie Jaggernath Take advantage of low interest rates to pay off debt faster....
Advantages of Consolidating Debt with a Non-Profit Debt Consolidation ServiceIf you’ve been declined for a loan by your bank or credit union...
What to Consider Before Buying a Vacation Property or Vacation Rental HomeBy Julie Jaggernath When our friends came home from holidays wanting...
How to Help Friends Who Need Help with Their Financial Problems Q: We are friends with another couple in our neighbourhood. Despite having...
How to Plan a Vacation on a BudgetQ: Our two weeks of summer vacation time are fast approaching and we haven’t planned a thing. While we can’t...
The Cost of Living is Increasing – How to Protect Yourself from Inevitable Higher Costs of LivingQ: We bought our first home a few years ago...
The Catch Behind Daily Email Deals Impulse Spending Q: My friends have been taking advantage of those daily group email offers. I’ve signed up...
Vortex Debt Group is now Synergy Debt Group, Clear Blue Debt Solutions and Wav Services TeamPublished: June 11, 2011 Update: Since this...
The Most Effective Ways to Manage the Rising Cost of GasQ. Like a lot of busy families we play taxi for our kids outside of school and work....
Canadian Debt Settlement Company Reviews, Complaints, and Scams How to Tell if a Canadian Debt Settlement Company is Trying to Help You or...
How to Decide if Bankruptcy is Your Best Option to Debt Problems Q: I have an employee who has been very stressed at work lately. I spoke with...
How to Approach Asking Your Adult Child to Pay Rent Q: My son is graduating in June and has just informed us that he plans to work for a year...
3 Tips for Solving Money and Family Budget Arguments Just as it’s normal to love your family, it’s normal to argue with them about money. An...
How to Protect Yourself from Disasters like the Earthquake in JapanDevelop A Good Emergency Plan to Also Protect Yourself Financially The...
Can Your House Lend a Hand? Here's What You Need to ConsiderQ: I’m a stay at home mom and my husband’s been on short term disability for...
Spring Break Staycation Q: Spring Break is looming once again. We try and get away somewhere warm most years but this year, we just can’t...
Ads for Debt Settlement Companies Sound Great. Why Not Go for It? Q: I keep hearing and seeing ads from companies that claim to be able to...
Why Save When Borrowing is Cheap? Q: A friend of mine was giving me a hard time the other day. I wanted to delay my travel plans until I had...
What Would Your Community Do with an Extra Million Dollars? A major TV network is looking at producing a reality TV show that aims to help...
What to Watch Out for with New Car Ads Q: I'm thinking about replacing my car. Looking at the new car ads and financing options available, it...
How to Protect Yourself from a New Form of Identity TheftNew Danger PayPass is MasterCard's RFID smart card. The circled icon in the corner...
What Do the New Mortgage Rules Mean in Plain English? At the beginning of this week, the federal finance minister announced some changes to...
The 4 Biggest Secrets of Debt Reduction in CanadaMany people wonder what the best strategies are for reducing their debt. While it’s usually...
Are You Tired of Being the Family Bank?Q: I'm one of three kids in our family and I seem to be the one who repeatedly lends money to my...
How to Tackle Credit Card Debt & Save Thousands of Dollars Q: Each year, I resolve to tackle my credit card debt and I never seem to get...
How to Save Time and Money on Christmas Gifts Q: My husband and I are immigrants and over the years, our extended family has grown a lot....
How Credit Counselling Can Help You Resolve Your Financial ChallengesMany people who are struggling to pay their bills and make their payments...
How To Resolve Fighting Over Money: Look Below The SurfaceQ: My partner and I fight about money all the time. She's a spender and I'm a saver....
How to Buy Christmas Gifts for 50% Less Are you looking to stretch your dollars this Christmas? This year it's possible to buy a lot of really...
How to Manage Your Money the S.M.A.R.T. Way Q: I never have any money left over after paying my bills to even think about financial goals. I'm...
How to Find a Reliable Company to Help with Debt ProblemsQ: I'm having trouble keeping up with my debt payments and I think I need to talk...
Should You Buy Your Next Big Screen TV In Canada? Q: My best friend and I have a bet going this year on who can get the best deal for a...
3 Ways To Make "Fitting In" At Work Less Expensive Q: I've finally found a new job and I really like my work. However, it seems that it's...
What's Haunting You? What’s your worst fear? Relaxing in your favorite chair and feeling a spider crawl up your leg? Being woken from your...
7 Steps to a Great Credit Score in CanadaHave you ever wondered if only rich people have fabulous credit scores? Wonder no longer. The truth...
Debt Settlement Companies: The good, the bad and the uglyQ: I heard an ad for a company. They said that they can settle my debt for much less...
What Debt Settlement Companies Don't Tell YouLast week we heard an American debt settlement company advertise on a Canadian radio station. In...
What Do Bank Of Canada Announcements Mean For My Wallet?Do you ever wonder what those Bank of Canada announcements that come out almost every...
What You Need To Know Before You Pop The QuestionQ. I'm going to propose to my girlfriend during the holidays, but from what I've seen and...
People Tell Us What Credit Counselling Means To ThemLike so many of you, all of us at the Credit Counselling Society work hard every day. The...
For A Couple, How Important Is It That Each Person Has Their Own Credit Rating?Q: My husband and I have been through some rocky times over the...
Don't Let Your Worst Financial Fears Become Your RealityQ: I am a mature woman and I've just got divorced for the second time. My children are...
Pictures of Our Credit Counselling OfficesSince we first opened our doors in 1996, we’ve been constantly amazed at the growing number of...
How Blended Families Can Prevent Fighting About Money Q: My spouse and I are both in our second marriages and we share custody of our kids...
Could You Survive Missing a Paycheque?A new survey says 60% of Canadians couldn'tLast week the Canadian Payroll Association released a survey...
How to Protect Yourself from Rising Interest RatesLast week, the banks raised their mortgage interest rates for the third time in three...
The Importance of a Good Credit ScoreQ: I'm having a hard time getting my son to understand the importance of a good credit rating. He lives...
Keeping the Magic Alive: Date Nights & Your FinancesQ: My wife tells me that relationship experts say that going on regular "dates" with your...
Student Budgeting 101: Move a set amount to bank account biweekly and live with it Q: Our son is going to university and for the first time...
Learning the Basics with Back to SchoolQ: Our son is starting at a new school for grade 7 this September, and they’ve emailed us a very long...
Avoid Technology's Traps:How to put the need for the latest gadgets into perspective Q: It's really expensive keeping up with technology these...
How to Help Your Teenager Learn to Budget & SaveQ: My teenager has been working for several months but seems to spend his money as fast as he...
How to Maximize your Back-to-School BudgetKids will soon be headed back to school, and for many families this represents one of the year’s...
How to Give When Money's Tight Q: We value the work of charities and believe very strongly in giving to good causes. Our income is down this...
How to Cope with Living in Canada while Sending Money to Family OverseesQ: My husband and I immigrated to Canada almost 20 years ago to give...
When is the Best Time to Buy a House? Q: Mortgage rates are still low and house prices keep going up. Is now the time to buy? And is it better...
Gambling: How to tell if you've gone too farQ: It's fun to go to the casino with friends on occasion, but one friend seems obsessed about...
8 More Money Mistakes that Keep People BrokeLast week we shared eight common mistakes that keep people broke. A lot of you asked for more...
Do You Ever Get Even with Revenge Spending?Q: After finding out that my partner spent over $1000 on toys for his car, I had a spa day and got...
Financial Help or HandoutWhen has it gone too far? Q: My parents keep borrowing against the equity in their home to bail my sister and her...
Credit Counselling Society Wins National Award The Credit Counselling Society was presented with the Credit Counselling Canada Agency Award at...
A "SMART" Way to Manage Income Q: I never have any money left over after paying my bills to even think about financial goals. I'm frustrated...
Average Canadian Bride Spends $20,000 on Her Wedding: 5 Ways to Make Your Wedding More AffordableIs there an expectation in your family that...
Do Summer Vacations Leave You Broke? Here's an IdeaQ: My family usually takes a summer vacation, away from home. And while we have a lot of...
Should You Rent or Buy a Home (House or Condo)? Is it better to rent or buy a home? Many people ask this question, but often only hear one...
Are Canadians Reckless Spenders? A New Study Says We Are A new study from the Certified General Accountants Association of Canada shows that...
Entitled to Live Beyond Your MeansWhen we help people with their debts we always ask them what they think caused their debt problem. People...
7 Common Bankruptcy Myths in Canada Bankruptcy; for many people who are experiencing financial difficulty, it’s one of the first things that...
12 of the Most Effective Ways to Get Out of Debt Many people would love to pay down their debt or get rid of it altogether, but they aren’t...
3 Ways to Protect Yourself from Events like the Iceland VolcanoFor the last 5 days, a cloud of volcanic ash from a volcano in Iceland has...
Does Your Credit Score Fall Every Time Someone Checks It? Has anyone ever told you that every time someone checks your credit, it lowers your...
Rising Interest Rates Could Double Your Mortgage PaymentsUp until now, for almost 30 years, interest rates have been declining in Canada. This...
What To Do If You Dread Filing TaxesQ: I always dread filing my taxes. I usually owe a few hundred dollars and struggle to find the money to...
Budgeting in Easy 3 StepsMany people think that budgeting is really complicated. It's not. All you have to do is create a spending plan and...
The 7 Smartest Things You Can Do for Your Finances Have you ever wondered what the best things are that you can do for your financial future?...
7 Ways to Protect Yourself from Rising Interest RatesLast week, the banks raised their fixed mortgage rates and there is a growing consensus...
Rising Mortgage Rates will be Difficult for Many Canadians With financial institutions announcing increases in mortgage rates this week, more...
Feeling Trapped by Debt? 3 Easy Steps to EscapeSome people begin to panic when they realize that they’re living on credit and can’t see a way...
One of the Biggest Retirement MistakesMost Canadians don’t know what their retirement income will be According to one survey, 83 percent of...
Should You Keep Financial Secrets? Q: I'm planning to propose to my girlfriend soon. I know she will say 'yes' but I'm worried about telling...
Don't Turn Your Bad Hair Day Into A Budget Holiday!by Julie Jaggernath What Does Having a Bad Hair Day Really Mean? We’ve all heard the...
Lessons from a Leprechaun on Dealing with DebtGold, shamrocks and wishes come true. It’s that time of year when we think about what riches or...
Lesson in Debt Management a Great Grad GiftQ: Our daughter is graduating from high school in June. How can we help her to understand that...
How to save 50% on everything you buy If you are buying stuff, putting it on credit, and then not paying it off right away, you can probably...
Use Balanced Approach to Cut Credit Card Debt Q: I want to pay off my credit card bill this year but to do this I won't have any money left...
The Dangers of Co-Signing a Loan Typically when a loan is co-signed, one person, who doesn’t qualify for the loan on their own, promises to...
Bringing Home The Gold Q: Why does it feel like managing my money is so much work? It's hard to stay focused. What can I do? A: It takes work...
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With so many debt consolidation options out there, it can feel overwhelming to try and find the right one by yourself. One of our professional credit counsellors would be happy to guide you through this process by carefully reviewing your whole financial situation with you and answering any questions you have. Speaking with our certified counsellors is always free, confidential and without obligation.