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Filed for Bankruptcy in Ontario… Now What?

Filed for Bankruptcy in Ontario… Now What?

It happens. Good people file for bankruptcy and consumer proposals all the time. When times get really tough, and money troubles have you stressed out and losing sleep at night, sometimes these two financial options are the only things that will help. If you’ve chosen to go…

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How to Make Up Back to School Financial Shortfalls

How to Make Up Back to School Financial Shortfalls

We are now coming into the final weeks of summer, and that means that many parents are heading out for that dreaded back to school shopping trip. The clothes, the shoes, the school supplies; these items can end up costing an arm and a leg. Even if…

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Smart Money Club: Cheap Things to Do in the GTA This Summer

Smart Money Club: Cheap Things to Do in the GTA This Summer

We are more than halfway through the summer now, and if you are like many other Canadians, that summer spending has turned out to be a little higher than you first intended. The camping trips, days at Wonderland, cottage rentals, etc., can rack up quickly. If you’ve…

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Buying a Vehicle? How to Purchase for The Payment

Buying a Vehicle? How to Purchase for The Payment

If you are thinking about buying a vehicle, there is often a lot to consider before you sign on the dotted line. What size do you need? What’s the mileage? What’s the fuel economy? And, of course, most importantly, what can you afford? Here are some tips…

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Payday Loan Sharks? Former Employees Says Yes!

Payday Loan Sharks? Former Employees Says Yes!

Payday loans are nasty business. For many customers, the ability to enter an establishment, receive a loan without a credit check, and be out quickly, can be very tempting, especially for those with emergencies. But this temptation comes at a steep price – so steep in fact…

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Used Car Financing in Toronto – What You Need to Know

Used Car Financing in Toronto – What You Need to Know

It is common knowledge that a car depreciates in value as soon as it is driven off the lot. It is thanks to this that used car buying remains a popular option for those looking to trade up when their vehicle is due for an upgrade. Used…

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If I File a Bankruptcy, Will I Lose my Home?

If I File a Bankruptcy, Will I Lose my Home?

Canadian consumer debt has climbed in the past decade, and as a result, thousands of Canadians are realizing that bankruptcy is a very valuable resource with regard to paying off debt. That being said, many are still concerned when it comes to their assets and wonder ‘if…

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Good Debt vs Bad Debt

Good Debt vs Bad Debt

We all have debts each and every month. But there are debts that work towards a healthy financial future, and debts that hold you back and erode your credit rating. Let’s explore good debt vs bad debt. Bad Debt. This would be something like a credit card…

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Spotlight: How to Get Approved for a Loan with Bad Credit

Spotlight: How to Get Approved for a Loan with Bad Credit

When lenders assess risk, they do so based on a number of factors, and your credit score and past credit behaviour are very important. When your credit rating is high, your score in the 700s, the last thing on your mind when applying for a loan is…

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Is a Consumer Proposal a Debt Consolidation?

Is a Consumer Proposal a Debt Consolidation?

When you’re struggling to meet your regular monthly debt requirements, your stress levels can go through the roof and you may just hear those advertisements for debt consolidations and assume that this is your best option for debt relief. Many debt companies and even trustees in bankruptcy…

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