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 …

Procrastination is never a good thing, yet so many Canadians do exactly this.  You don't have to put off what you can do today!  You've heard it before, right?  Getting goals in order and debt in balance can help ease a financial adjustment for the coming year.  While New Years goals and resolutions might make you cringe inside, planning ahead can ensure a happier, healthier and financially sound New Year! …