The Best Cash Back and Rewards Credit Cards of 2022

With such a wide variety of cash back, low fee, and rewards credit cards on the market, choosing a credit card that fits to your lifestyle may be easier than you think. We’ve outlined some of the best credit cards at RBC, TD and Scotiabank to help you make the most out of your daily and travel spending. What are …

Step by Step Guide to Becoming Debt Free

The Quick Guide to Eliminating your Debt Are you in debt and struggling with how to fix it? Don’t worry, you’re not alone, and it’s easier than you think to take the first step. We’ve outlined the process to help you get started on destroying your debt. Step 1: Download your Free Credit Report   If you are unsure of who …

Are Credit Cards Secured Debt?

Credit cards are generally not secured debt. The majority of credit cards fall under the unsecured debt category which refers to debt that does not have any collateral or lien against an asset. The most common type of unsecured debt are credit cards, personal loans, lines of credit, payday loans and student loans. Although unsecured debt does not have physical …

10 Ways to Save Money in Any Budget

We would all like to save a bit more money especially with the economic times of today. Saving money does not have to be denying yourself all the pleasures in life and some simple small things can really count to save some cash at the end of each month. 1. Return bottles to recycling for deposit It may not seem …

How Much Income Tax Will I Have To Pay From Receiving CERB?

Millions of Canadians have received payments from the Canada Emergency Response Benefit (CERB) this year and are not aware that these payments are a Taxable Benefit. What does this mean? Unlike a normal paycheque from an employer that deducts the income tax off your gross pay already, there are no taxes taken off the amount you received from the Government. …

Debt Management vs Debt Reduction – The Differences

A Debt Management Plan helps people to consolidate (combine) their unsecured debt into one payment; whereas a Debt Reduction Plan helps people to reduce the total amount of debt owed. The reduced debt can also be consolidated into one single payment. A Debt Reduction Plan is used when an individual is unable to repay the entirety of their unsecured debt.

What are the Steps to Consolidate Debt?

Call a Consumer Credit Counselling counsellor to help you through the steps to consolidate debt and become Debt Free today! The following are the various options available to pay off your debt sooner. Debt Consolidation Loan Your first step when looking at consolidating your debt is to contact your bank/credit union to apply for a loan consolidation. If your Credit …

How do you check your credit score?

All Canadian Consumers are able to obtain a copy of their Credit Report Online, by phone, by mail or in person at a select few locations in Canada.

How To Stop Debt Collectors from Calling?

Collection calls can be very intimating and scary. If you’ve fallen behind, missed, or forgotten to pay your bills, you may receive these kinds of phone calls. In many cases, collectors resort to harassment and misrepresentation in order to collect on the debt owing.

How do your fees work?

The initial conversation, consultation, and exploration of options are always 100% Free.