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That low credit score ruins everything, doesn't it? For so many Canadians, low credit scores can be a chain holding you back from getting lower interest rates, and even worse, better financial opportunities. Asides from making it difficult to buy a home or rent a nice place for yourself, a bad credit score can even keep you from landing a decent job.

While this may appear unfair, it's how things …

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! …

A new year can be many things for different people. Many see it as a fresh start and a chance to take up new things that will improve their lives. In the spirit of the moment, it's often exciting to celebrate the new year in style. However, if you cannot afford to do much financially, then you might want to stick to a budget for your new year celebration.

Creating …

If your budget is like a leaky faucet, sooner or later, you'll run dry. This is regardless of your income. While there are many options for getting money, such as payday loans and no credit loans, they can only save you when you have good financial habits. While there are also talks of the universal basic income coming to Canada, you are responsible for how this helps your economic …

Have you ever wondered how the rich and powerful ascend to the positions they are in?  If you're like most Canadians out here, you might believe many were simply handed that golden ticket and have never had to work for anything they have, but that isn't the case for all the rich and prolific people in Canada, not to mention, elsewhere in the world.  

Some of these Canadians are indeed, …

Spending less than you earn isn't as straightforward as it sounds, unfortunately—at least not for the most part.  Many Canadians across British Columbia struggle with things as simple as grocery budgeting and meal planning, due to rising costs and stagnate wages.  Here are the facts.  If you're really going to begin planning for spending less than you earn, you certainly are going to have to be steadfast in it. …

[Updated for 2022]

It is almost a certainty that general living costs will increase over time, and food is no exception. While most Canadians are doing their best to tackle debts such as mortgages and loans, food can seem like a minor expense in comparison.

Financial analysts think Canadians are generally becoming less frivolous and more sensible with their spending habits, however over 68% of Canadians are finding it harder …

There's no doubt about it; just a few practical time savings tips can make all the difference when it comes down to relaxing and having a great time with family and friends all throughout the holiday season!  Don't be one of those running around like a doe caught in the headlights! A panicked lemming shows poor time management and planning abilities!  Now, if you're one of many Canadians who feels …

Making that impressive leap from a renter to a home buyer feels fantastic for anyone. However, there's lots of paperwork involved, and this process can feel overwhelming. For example, if you are trying to buy a home in BC, you may find there are so many fees, taxes, and bills to pay. If you are desperate, you may take one of the many bad credit loans in BC, which …

Are you simply drowning in #debt ?  If it's taking more than half of your income to manage your debt you might not be in control of your finances the way you really believe you are.  If Canadians are going to learn how to manage debt responsibly they have to educate themselves on how to build and manage a responsible budget. When you carry too much debt on your plate …