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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 …

This article is part of our Finance Hub.

Chances are, if you’re thinking about getting a payday loan, you need money as quickly as possible. Every second spent waiting for a loan to be accepted and processed is a second closer to an overdraft fee, a bounced check, late rent payment, cancelled utility service—the list goes on!

Time is often essential when it comes to your personal finances, …

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 …

As the number of student loan debts surges with each passing day, more and more people are beginning to question whether or not taking out a loan just to attend college is worth it. In addition, the economy is changing; more young people are now seeking employment within the gig economy as freelancers and independent contractors.

Others, however, are still deciding to take out student loans for the sake of …

It goes without saying that financial lenders expect to get their money back. The borrower (i.e. the individual in debt), however, may not always be able to pay back funds that were loaned to them. After a certain amount of time passes, financial lenders may decide to contact a debt collection agency, also referred to as debt collectors.

An Overview

Debt collectors are simply members of companies who are tasked …

Nobody likes to hear the word 'debt', which is quite understandable. When you're in debt, you have to constantly live on a budget if you're looking to repay the debt quickly. For some, they get to repay their debt, while others carry it on for decades. Clearly, with the way debt weighs people down, no one wants to live with such hanging over their heads.

Consequently, debt is generally considered …