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In this day in age, it seems that everyone owns a credit card…or ten. Although credit cards do have obvious benefits, including convenience and perks, they can be quite detrimental to your overall financial standing. A lot of the time, those who rely on credit as their main source of payment tend to spend far…

Now that we’ve gone over all the best free budgeting apps in the world of technology, it is now time to look at the paid ones. The great thing about most of these paid apps, however, is that most of them come with some type of free version. As with the free apps, these ones…

Budgeting your money is one of the best ways to keep track of your spending habits – but how exactly are you supposed to budget these finances of yours? Well thankfully, technology has made it extremely easy to manage and track where each dollar is being spent. Get ready to download some of the most…

There are so many tasks and activities that we keep have to tend to on a daily basis. From picking up the kids for soccer practices to taking the dog for a walk, who has time to keep track of the more mundane things, such as spending habits and finances? With these simple and helpful…

Many individuals are under the assumption that bankruptcy and consumer proposals are synonymous. However, is filing for a consumer proposal really the same thing as filing for bankruptcy? The quick answer here is no. Here are a few of the major differences between the two, to help clarify the confusion. Non exempt assets will not…

First things first – to understand why payday loans lead to a vicious cycle of debt, you need to understand what a payday loan is. A payday loan is typically a short-term advance given out by the various institutions (not banks), with the intention of receiving the money back on your next payday. These differ…

Drug addiction is a very serious matter and unfortunately, it is something that can affect every aspect of a person’s life. From marital and relationship disputes to financial and debt problems, drug addictions have a negative impact on an individual’s emotional stability, mental and physical health and of course, monetary situation. Those with drug/alcohol addictions…

For years, the laws regarding 407 ETR payments and bankruptcy have been confusing and constantly varying; however, one thing remained the same. If you were an individual who had outstanding 407 ETR payments in addition to having submitted a bankruptcy or consumer proposal, the 407 ETR thought it had the right to refuse the renewal…

It’s the age-old question: should I lease or should I finance my next car? First off, it is crucial to understand the fundamental differences between a lease and a loan before making any decisions. If you are planning to take out a loan, you will be making payments on the entire cost of the vehicle….

It’s that time of year again…tax season! Whether you hire an accountant to file your person income tax return or do it yourself, it is important to remain up-to-date with Canada Revenue Agency’s deadlines and services provided. Here are a couple of the new services and deadlines to take into consideration: – The deadline for…