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With snow coating the ground and winter’s icy grip taking hold, how do you plan to keep warm this winter? Heating your home in the Canadian winter can be expensive, particularly in unusually harsh winters like 2013-14.

Luckily there are ways to cut back on your heating and eating bill without getting frostbite, and this article will teach you a few of them.

Quick Fixes

Turning up the thermostat …

We all know by now that credit cards are risky. Without good financial discipline, it is very easy to bury yourself under a mountain of debt, and very difficult to dig your way back out . But what if there was a way to make your credit card work for you?

Not with rewards, or free gift vouchers, but cold, hard cash. There are some who believe that credit card …

Credit card debt casts a long shadow over Canada. According to a 2013 report by RBC Economics, Canadians owe a total of $73.7 billion to their credit card companies. For reference, that is more than a quarter of what the Canadian federal government spent that year. So, how can you avoid becoming a statistic? How can you prevent yourself from sinking deeper into debt ?

For some Canadians, the …

Imagine a world without coins or banknotes; a world where every transaction you make is carried out using your credit card, or even your smartphone. Around the world, cash is being used less and less compared to electronic transactions, and Canadians are among the leaders in this shift in the global economy. According to a 2013 study by MasterCard Canada , Canada is moving towards a cashless economy, behind only …

When your other debt management options are exhausted, it might be time to declare bankruptcy. When the debt collectors are after you and you can’t make your payments, even with sensible financial planning, bankruptcy can wipe your slate clean. This is why you should pay great attention to understanding how to achieve your financial goals.

Your debts will be forgiven, your credit history would be completely wiped out, and …

This article is part of our Finance Hub.

Food is almost always going to be one of the bigger expenses in your budget, especially if you have a large family to feed. This guide will teach you how to manage your food budget and make your dollar go further.

Budgeting

Knowledge is power. If you don't know how much you're spending on food, it will be difficult to …

Gyms

The health benefits of regular exercise are numerous. Exercise is needed to keep you healthy, extend your lifespan and help you achieve a balanced life. However, this doesn’t mean that you have to spend a lot of money on staying fit.

The average gym membership in Canada costs between $40 and $50 each month, and this doesn’t include additional charges such as joining fees. If you want classes or …

This article is part of our Finance Hub.

Credit cards are useful, but they’re also dangerous. Their convenience makes it very easy to pile up debt, debt which will accumulate interest quickly and ruin your finances. This guide will teach you how to use your credit card responsibly, enjoying the benefits of credit card use while avoiding the risks.

Life Without Credit Cards

If credit cards are risky, why …

It is one thing to pick the right career and have a good income, and it is another to protect this income from fraudsters. Unfortunately, Canadians lose millions of dollars in credit and debit card fraud every year. For example, 2013 saw $29.5 million in debit card fraud alone. However, it only takes a few simple precautions to reduce your risk of fraud.

This article will show you how to …