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Is Refinancing My First Mortgage the Right Choice for Consolidating Debt?

Is Refinancing My First Mortgage the Right Choice for Consolidating Debt?

With Canadian interest rates rising and household debt levels at a record high, many people are looking at debt consolidation options. And one of the most popular is refinancing a first mortgage. If you’re considering consolidating debt, is a mortgage refinancing the best choice for you? The…

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Financing a Vacation in 1-2-3

Financing a Vacation in 1-2-3

Ah, vacation — a relaxing holiday away from home. The only thing that’s not so relaxing is figuring out the logistics of financing a vacation. The one thing that can snap you out of your blissful vacation state is coming home and realizing you’ve racked up hundreds…

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Where Do We Finance…

Where Do We Finance…

At Prudent Financial, we specialize in offering personal loans, car loans, and home loans to people with bankruptcies, consumer proposals, and bad credit histories. We’re also known for giving secured loans to self-employed people. Unlike payday loan companies or other bad credit loan providers, Prudent Financial has…

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Affordable Family Activities Around the GTA

Affordable Family Activities Around the GTA

Family activities are a great way to spend the weekend together, but often it can feel like finding things to do with the kids can rack up the big bucks. Many fun family activities are expensive and if you’re on a budget or saving for the future…

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Car Loan Financing When Bankrupt

Car Loan Financing When Bankrupt

Life after bankruptcy can come with several challenges and one of those is car loan financing. There are three common scenarios you might be facing: Discharged Bankruptcy If you’ve been discharged from bankruptcy without re-established credit, you will have a few options for car loan financing, but…

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2017 Tax Deadline Quickly Approaching – How to Handle a Small Balance

2017 Tax Deadline Quickly Approaching – How to Handle a Small Balance

The 2017 tax deadline is coming up quickly — April 30, 2018. If you’ll owe a small tax debt, do you know what to do? Let’s start by defining a small balance — typically, anything under $8,000 is considered a small tax debt. A balance of $8,000…

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Tips for Buying a Used Vehicle Before the Spring Rush

Tips for Buying a Used Vehicle Before the Spring Rush

Spring seems like the perfect time for buying a used vehicle — which is why so many people go car shopping when the weather turns warm. People don’t typically buy vehicles during the winter because of weather conditions. This shifts supply and demand. When spring comes, everyone…

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Lots of Home Equity but Your Spouse Won’t Sign… Read On

Lots of Home Equity but Your Spouse Won’t Sign… Read On

Many married couples own a home together but owe debts to creditors separately. When this occurs, each partner will accumulate home equity, thus increasing their respective net worth. This can make for a great partnership most of the time but can become a challenge when you want…

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The Ins and Outs of Bad Credit Loans

The Ins and Outs of Bad Credit Loans

On the positive side, bad credit loans are often essential for credit repair. If you have poor credit, one of the best ways to improve it (besides paying off existing debts) is by seeking new credit that you manage responsibly. On the negative side, because those who…

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Credit Focus: A Small Bad Debt Doesn’t Have to Destroy Your Credit

Credit Focus: A Small Bad Debt Doesn’t Have to Destroy Your Credit

You know the old cliché about small things making a big difference? If you have a small amount of bad debt, that saying can come true. Even a small amount of bad debt can significantly harm your credit. The minimum for a consumer proposal is $8,000, but…

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