Tag - Credit Cards

July 2018

July 2017

February 2017

Personal-finances-free-online-tools

5 free online tools to improve your personal finances

Maintaining or improving your financial health can be an enormous challenge. Fortunately, several online tools are available to help you expand your knowledge on your personal finances and repay your debts, among other things. Simple and easily accessible, these tools can be a first step towards a healthier financial situation. That being said, remember that the advice of an insolvency professional is your best option if your debts are very high and your financial situation is precarious. (more…)

October 2016

Financial Literacy Month

Financial literacy: Best practices with credit

Did you know that November is Financial Literacy Month? Since 2011, by means of this initiative, organizations and companies are encouraged  to mobilize to educate consumers and help them make responsible financial decisions. This year’s theme is “Take charge of your finances: It pays to know!” Note: this post has been updated on November 7, 2017. If you want to learn more about Financial Literacy Month and the appropriate use of credit, this article is for you. You’ll learn how good credit practices can help you better manage your debt. The importance of Financial Literacy Month (FLM) Financial Literacy Month is important. Its goal is to reinforce the financial health of Canadians. This November, various tools and information will be provided each week. [...]

February 2016

planning christmas

Planning Ahead For Christmas 2016: 4 Tips To Avoid Financial Stress

Did Christmas break the bank this year? Did you swear to never again get stuck doing things at the last minute? Planning Christmas in advance not only saves you money, but also reduces stress. Here are four tips to help you get started on planning for Christmas today. (more…)

December 2015

11 ways to resist christmas consumerism

11 Ways to Resist Christmas Consumerism

The spirit of Christmas is embodied in values like family, love, friendship and sharing. With a bit of time and good planning, it’s possible to have a memorable Christmas without spending a lot of money. Resorting to consumerism doesn’t guarantee happiness. It’s a good idea to avoid this trap if possible, because once you step foot in it, it can be difficult to get out. (more…)

September 2015

July 2015

5 worst ways to get out of debt

The 5 Worst Ways to Get Out of Debt

Many people need to hit a wall before they can begin to understand that their amount of debt is unsustainable. Some only realize it once they start getting phone calls from collection agencies. Others finally become aware of it when their wages are garnished. No matter how they came to realize it, what’s important is how they are going to get out of debt. The solution they choose will be critical for their personal finances and the management of their debts. (more…)

July 2014

credit cards, bankruptcy and fraud

Bankruptcy, Credit Cards and Fraud

Is it a good idea for someone to spend profusely in order to reach his credit card limit before filing for bankruptcy? Why not seize the opportunity to go on a shopping spree, or to get a 85,000 BTU barbecue with side burners and a spit burner he longs for? Why not even consider putting aside a cash advance to cover the bankruptcy fees? (more…)