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When Will the Bank Say Yes?

When Will the Bank Say Yes?

How to Get a Loan with Bad Credit When you have bruised or bad credit, it can seem nearly impossible to get a loan from the bank. But if you want to learn how to get a loan with bad credit, we can help you understand what…

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Effective Ways to Cope With and Even Reduce Summer Childcare Expenses

Effective Ways to Cope With and Even Reduce Summer Childcare Expenses

The summer months are anticipated all year round by kids everywhere, but for parents they can be one of the most stressful seasons — at least when it comes to childcare expenses. According to Statistics Canada, in Ontario, the average cost of childcare expenses is $677 per…

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The Canadian Interest Rate is Up to 1.5% After July 2018 Announcement

The Canadian Interest Rate is Up to 1.5% After July 2018 Announcement

The Canadian interest rate has risen again, going up to 1.5% as of July 11, 2018. The Bank of Canada (BOC) chose to raise rates for the fourth time in a year. The Canadian interest rate was 0.5% before July of 2017, but since then it has…

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Your Used Car Buying Checklist

Your Used Car Buying Checklist

When you’re shopping for a used car, there are certain questions you want to ask to make sure you are getting a good deal. We’ve put together a checklist that you can take with you for all of your used car buying needs. Here is your used-car…

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Happy Canada Day from Prudent Financial!

Happy Canada Day from Prudent Financial!

Happy Canada Day from all of us at Prudent Financial! It can be easy to take for granted how lucky we are to live and work in Canada. We sit on nature’s doorstep. A short drive can take us to the Rocky Mountains, a fresh water beach,…

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How to Take Out Home Equity Without Impacting Your Low First Mortgage Rate

How to Take Out Home Equity Without Impacting Your Low First Mortgage Rate

If you’ve been fortunate enough to lock into a low first mortgage rate, then you probably don’t want to lose it. Especially as Canadian interest rates increase, you’ll want to do what you can to keep your first mortgage rate as low as possible. However, if you…

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How to Take Out Some of Your Home Equity Without Everyone on Title Signing

How to Take Out Some of Your Home Equity Without Everyone on Title Signing

Sometimes, there may be cases where you want to access your home’s available equity without needing everyone on the property title to sign for it. Perhaps you and your spouse maintain separate finances, or your parents are on the title. Or there could be another reason you…

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The Bank of Canada Interest Rates Stayed the Same for May 2018, But You Still Need to Be Prepared for a Hike

The Bank of Canada Interest Rates Stayed the Same for May 2018, But You Still Need to Be Prepared for a Hike

The Bank of Canada interest rates remained at 1.25% following a scheduled announcement on May 30, 2018. The Bank of Canada (BOC) kept interest rates the same but warned that higher rates will be needed over time. Economists are predicting that higher rates could be coming into…

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How to Get Approved for a Loan When You Have Bad Credit

How to Get Approved for a Loan When You Have Bad Credit

If you have bad credit, it can seem nearly impossible to get approved for a loan. But it’s a catch-22 because if you do have bad credit, one of the best ways to repair it is by securing financing and repaying it responsibly. When you’ve bruised your…

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Car Problems – Repairing Vehicle Vs. Buying a New One

Car Problems – Repairing Vehicle Vs. Buying a New One

Owning a car makes life more convenient, but also more expensive. One of the major dilemmas most car owners need to face is what to do when a vehicle breaks down — is repairing the vehicle better or should you just buy a new one? If you’re…

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