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.

How do you pay off your debt fast?

“How do I pay off debt fast?” This is one of the most common questions we get from clients. The answer? You probably can’t. Debt takes a while to get rid of, and that is OK. Through responsible management and a conscious effort it can be eliminated but it can take months if not years to do so.