This article is part of our Finance Hub.

Learning how to manage your finances is something that everyone struggles with as a standard part of Adulting 101—and even “being an adult” doesn’t really mean that you are an expert budgeter. Your personal finances are subject to a wide range of fluctuation throughout your life, as you move from one job to the next; change apartments; purchase a home; build …

You’ve got a steady job, you can pay your bills on time, and you can even stash a bit away in your savings account. But, this is only the first half of it. You must consider; is your savings account growing? Is there a better way to build your financial health?

For many, knowing what to do with the money after they make it is a great challenge. Like the …

Simply put, saving money is hard. Just meeting your monthly bills can be challenging enough, and it’s tempting to put extra cash towards fun things, like a day out with friends or for a date night. Getting into a consistent habit of saving takes dedication and it can certainly be stressful. Especially if you don't know how to reduce your taxes and if you’re already tight on budget.

Even …

Anyone with a bank account knows the drill—after so many days of positive banking history, you’re going to start getting bombarded by letters and emails to sign up for their newest lending products. We’ve all seen the same headlines: Get a low-interest business loan today! Sign up for our credit card with zero percent interest for six months!

With so many ways to get a loan, why do people use …

Let’s face it: not having cash on hand can be frustrating. Credit card bills, car payments, and rent schedules don’t always line up with our paycheques, leaving us strapped for cash at the last minute. We’ve all been there!

Add in the last-minute expenses like having to replace the brakes in your car, purchasing a new water heater, or—knock on wood—accidentally dropping your phone in the toilet, and you could …

Credit card cash advances are amounts of money which people are permitted to "borrow money" from their credit card companies. These advances are generally processed via ATM withdrawals or deposited checks. Unlike other types of loans, credit card cash advances almost always come along with hefty interest rates, usually notably higher than the interest rate of the associated credit card.

Furthermore, the interest tied to credit card cash …

One of the greatest hurdles in building a business is capital, or lack thereof. Pure lack of capital and financial resources, subsequently pushes aspiring entrepreneurs to believe that borrowing money is their only option. Of course this is pretty accurate but there are other ways. The pitfalls of going into debt are well-documented, but thankfully, other alternatives do exist. Getting a payday loan online is one, but there are other …

A healthy emergency fund is paramount for any adult. Unexpected expenses and occurrences happen all the time, often when things are tight. An emergency fund can, and often does, determine whether or not an individual or a family will be adversely affected by financial hardship or be able to bounce back from the circumstances without having to turn to emergency loans as a stopgap.

There are many different options when …

At one point or the other, many people will find themselves in situations where they need a loan. The person making this request may be a relative, close friend, or even a co-worker. Loaning money comes with its own risks and stigmas; what if the borrower takes too long to return the money? What if they can't afford to pay back the loan? Worst of all, what if they simply …