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How to Use Your Home to Finance Your Debt – Home Equity Financing
When you are struggling to make the minimum payments on your credit cards or personal loans, but own your own home, you are sitting on an unused debt solution that can save you both stress and money. Using your home to finance your debt is likely the most affordable way that you can consolidate and…
Read MoreCredit Focus: Consolidating Payday Loans
Oh Payday loans – why do people do it to themselves? Sometimes it is the convenience, but more often it is because a payday loan is a no-questions-asked type of loan – all you need to do is prove that you work and have a chequing account and boom you’re approved – no credit report,…
Read MoreTips on How to Settle a Debt in Collections
If you are stressed over bills and fielding collections calls as a result of an overdue debt, know that you are not alone – hundreds of Canadians face this reality every day. How you settle a collection debt depends on the type of debt that you owe. This blog deals with how to settle a…
Read MoreSummer Fun on a Budget: Free Things to do in Toronto this Summer
Summer is finally here. We’ve spent months cooped up inside and now it is time to break free. However, that can often mean more money spent trying to enjoy all that Toronto has to offer. To help we’ve compiled a list of great free things to do in Toronto this summer. Get out there and…
Read MoreRebuilding Credit After Bad Credit Behaviour in 1-2-3
Many of us have been there – money is tight and it is the credit cards that bring up the slack. Or, perhaps the loss of a job or income meant some bills went unpaid one month, then the time playing catch-up just meant more and more problems. Wait, don’t stress. When your credit report…
Read MoreCredit Clean Up: Correcting Errors on Your Credit Report
We’ve spent the last two weeks discussing credit reports – how to request and read them – and have continued to press how important it is to ensure all information contained within your report is accurate. This week we continue that thread by providing you with information on correcting errors on your credit report. This…
Read MoreHow to Read your Equifax Credit Report
Last week we discussed the importance of your credit report and how to request it, and to follow it up, this week we are going to walk you through how to read your Equifax credit report. To better understand how you look to creditors and potential lenders, it really helps to understand your credit report…
Read MoreSmart Money Club: How to Request your Credit Report
When it comes to finances, your credit report is critical. It is used for a number of different things – not just obtaining financing. Many financial institutions now require it to open a bank account, a new employer may request it to qualify for a job, and it can even be requested for things like…
Read MoreTop Apps for Keeping Receipts Organized – Documents Too
When it comes to keeping receipts organized, all of that paper can give you a headache. Often we give up and just shove everything in a box to be ‘dealt’ with later, but never actually deal with it. However, thanks to mobile apps, keeping track of receipts and expenses is now easier than ever. Check…
Read MorePerspective: Financing a Car You Can Afford
If your car is on the fritz and you are tired of spending time and money at a repair shop, maybe it is time to bite the bullet and trade in and trade up. If you are thinking about buying a new car, or a new-to-you car, you never want a car payment to make…
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