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Canadians Carrying Record Debt – Thank Goodness for Ontario Bankruptcy Trustees

Canadians Carrying Record Debt – Thank Goodness for Ontario Bankruptcy Trustees

No matter your financial situation, debt continues to be a topic of concern throughout the country. News reports continually speak about the debt loads being carried by the average family household, and the pressure placed n families when this debt becomes crippling. Take, for example, these alarming…

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Getting Back to Basics: How to Create a Budget That Wins!

Getting Back to Basics: How to Create a Budget That Wins!

At one point or another, we all say it, “I’m going to get my finances back on track.” However, kind of like those infamous New Year’s resolutions that fall to the wayside by the end of January, when you don’t have a plan, it is easy for…

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The Key to Rebounding After a Consumer Proposal

The Key to Rebounding After a Consumer Proposal

The consumer proposal has become a very popular debt relief option in recent years, often because of its ability to provide individuals with significant relief from an often overwhelming financial conundrum. The common characteristic for those seeking relief through a consumer proposal – a fresh start. But…

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Announcing the Smart Money Club and our Commitment to Financial Literacy

Announcing the Smart Money Club and our Commitment to Financial Literacy

We are really excited to announce the launch of our brand new Smart Money Club! Here at Prudent we are committed to helping Canadians become financially secure, and that means providing knowledge and tools to help get you there. A recent Statistics Canada report sheds some light…

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Spring has Sprung – How to Purge What You Don’t Use and Cash In!

Spring has Sprung – How to Purge What You Don’t Use and Cash In!

You’ve likely already seen a number of them. They seem to appear almost magically as the weather warms up. People amass in droves to catch a glimpse of their potential. Some are far better than others, but the best can offer that needle-in-a-haystack find, that treasure trove…

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Payday loans – The most expensive credit product on the market

Payday loans – The most expensive credit product on the market

This Globe and Mail article highlights the high cost of payday loans and that there are many alternatives to Payday loans. http://www.theglobeandmail.com/report-on-business/payday-loans-what-are-the-alternatives/article24463099 Prudent is an excellent example – let’ compare A $1000 payday loan with a $210 bi-weekly fee that has been extended for 1 month =…

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How to Get a Loan After Bad Credit

How to Get a Loan After Bad Credit

It is no secret that many Canadians are in debt, but a recent Globe and Mail article highlighted just how much, stating “A growing segment of Canadian families is highly indebted, leaving them more vulnerable to any economic shift such as a job loss, illness or rising…

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How to Calculate Payday Loan Interest and What You Actually Pay

How to Calculate Payday Loan Interest and What You Actually Pay

We have all heard the commercials and seen the ads. Payday loan companies promise financial paradise at $20 a pop – but what many people who fall prey to these ads don’t realize is that these claims couldn’t be farther from the truth. Payday loans, especially payday…

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The Difference Between Home Equity Loan & Home Equity Line of Credit

Home Equity Loan VS Home Equity Lines of Credits Home equity loans and home equity lines of credit are sometimes both referred to as second mortgages. However, despite being similar in some ways, these two types of loans have their differences. Here are the differences between home…

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Control Credit Card Spending During the Holidays

Avoid Using Your Credit Cards During the Holidays Yes, the holiday season is almost here. That means it’s nearly time for the excitement, stress, rush and busyness of the season. It also means that it’s nearing the time of year where a lot of people spend a…

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