Why take out a personal loan when you're not sure if it will benefit you? The answer is simple—there are programs that are beneficial and it doesn't hurt to try them out, especially if they won't adversely affect your credit score. Suppose you have a bad credit score, there are still personal loans you can take. If you use these wisely (and choose the right ones), you can repair your …

Who doesn't suffer from financial stress today? Unfortunately, it’s a common occurrence for many Canadians, and many feel lost or trapped in their circumstances. Approximately 7 out of every 10 Canadians are extremely stressed about money. However, when you stress over your finances, it can significantly impact your health. These days as the cost of living increases, income seems to decline.

As a result, more Canadians are falling into disarray …

Credit cards can be friend or foe to your wallet or pocketbook, it all depends on how you utilize them and of course, manage them. So, what can you do to make certain you aren't accidentally engaging in improper credit card habits? There are ways to avoid all of those spine-crushing fees--specifically if you start making your monthly payment on time. And if you pay more than the minimum monthly …

Developing some new money habits is essential when attempting to transform your financial portfolio. Accustoming yourself to these new habits will take some time, but it is worth the effort ultimately. Your daily money decisions will have a significant impact on your long-term financial health. Just as physical health requires good eating and daily exercise, your financial health also depends on good decisions and vigilance.

Daily choices can help you …

Yes, you can improve your finances in as little as a day when you apply the right strategies, but it all starts with YOU! If you take a little bit of time every day to go over your finances and plan you'll begin to make progress. It might involve removing debt a little bit at a time or it might involve making progress toward a future goal. In just 10 …

Good credit matters, whether Canadians like it or not. It impacts every aspect of your life. Therefore, it's imperative to try and keep your credit report clean and maintain a decent score. While your credit will not matter if you apply for payday loans in Hamilton, other lenders may request this.

While it's impossible to predict the future, the goal should be to get on track with your finances …

Who isn't looking for everyday ways to save? Canadians certainly are, but honestly, it doesn't matter where you live in the world. If you go online you will find everyday ways to save quite easily. This goes beyond traditional coupon clipping too. When you have a budget goal but you still would like the opportunity to splurge you can. It only takes a little bit of wit, discovering some …

Being on a modest budget doesn't mean you can't live a full and happy life. Especially while engaging in all of the activities you enjoy. The problem is that people have become too dependent on money for finding satisfaction.

Some have even become addicted to gambling or getting payday loans in Canada when they don't even need them. In the city of Mission, a few people recently even resorted …

There are many people who take out a payday loan in good faith, with the full intention of paying it back as they should. However, there are just as many who have something happen that prevents them from meeting that obligation. Then there are a few who feel they've been treated rather unfairly due to high fees and other expenditures in regards to the loan. Now, the worst thing a …

Too much traditional savings advice focuses too strictly on removing all of the things an individual might love. Don't drink coffee, don't buy this, don't buy that, etc

Why not consider what motivates you then work around it?

When you cut your budget to save for things you have been longing for, it just creates a possibility of a way better outcome.

As human beings, we like to look forward …