Our experts in credit counselling are big on spring. It’s a time that spells renewal and hope. It gives people encouragement to blow the dust off everything, get organized, and enjoy the sense of freedom that comes with making a fresh start. You know what I’m talking about. You may sweat a little getting down to work – sorting through and throwing out all the boxes and crap in the garage, the attics, the closets, the yard, what have you. But what a wonderful feeling it is when you get the job done. Relief, peace of mind, even joy can come from the effort. And guess what? You can really boost that sense of freedom by taking a little time to spring clean your finances too.

You don’t need credit counselling for that. You can do it all on your own, unless of course you’re facing debt problems and can use professional credit help, in which case Credit Canada Debt Solutions can assist you with your cleaning needs. For self-starters, here are seven soul-soothing tips that can help bring lots of summer sunshine into your financial life. Pace yourself. You don’t have to tackle everything at once. You should be able to accomplish all tasks listed here by setting aside a half a day or a day each week over the next month. Believe me, you’ll feel better for it. [click to continue…]

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If you’re in the market for a new car, then you ought to be looking at the true value of your purchase well ahead of visiting the showroom. That means exploring the big picture and asking questions that can help with savings and financial planning. What’s the new vehicle going to cost you given today’s car loan interest rates, insurance rates, and the price of gas? Above all, how will payments for a new car affect your monthly budget? To answer these questions, make use of an online budget calculator.

So what about car loan interest rates? Well, I spoke recently with a bank credit specialist and an automaker finance specialist and they provided some information of interest (excuse the pun). [click to continue…]

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Solving debt problems can help end nightmares of sleeplessness.

April 8, 2014

Solving debt problems can often have a positive impact on your health. A client once said to me, “Fear is my alarm clock.” I asked him why, and he explained: “When I wake up each morning the first thought that comes to me is, will I be able to make next month’s rent? That sets […]

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Dare we say it’s spring?

April 3, 2014

My, oh my,  after almost two weeks of disappointment from what we had thought to be the “first day of spring”, we can now confidently say it’s beginning to get a little warmer and really feels like the season. Finally the snow has melted, the winds are teasing us with spurts of warm spring breezes […]

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Three Facts of Life That Can Help You Manage Your Time and Budget.

April 1, 2014

Time and money management are astonishingly similar. At least that’s what I’ve come to think. Here are three universal facts of life that will hopefully help you manage your time and/or your money more efficiently, and will help when creating a balanced schedule or making a budget. Fact #1: It’s impossible to “have it all”. […]

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Credit counselling helps solve debt problems through “mindfulness.”

March 27, 2014

Have you come across the term “mindfulness” recently in conversation or in casual reading? I know I have. It seems to be growing in popularity and I’m good with it as a word that describes a positive and realistic attitude towards life. It’s a term that can hold significant meaning for anyone facing debt problems […]

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Behind with your Utility Bills?

March 25, 2014

If you’re a Torontonian you’re almost at the end of what has been the most horrific winter of all time. Barbaric low temperatures, relentless snow, zero sun, that ice storm and having to listen to our Winnipegger friends and colleagues tell us that we have no idea what cold is. Credit Canada has some information […]

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How to make a budget warm your soul. Retire abroad to the sun.

March 20, 2014

Has this season’s brutal weather in Canada left your retired grandpa and grandma wishing a pox on Old Man Winter? Or maybe you yourself are a retired – or soon to be retired – person who is so fed up with the chills that you’d like to move and live outside of Canada altogether, enjoying […]

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Why you should think twice before giving to charity.

March 18, 2014

Now before you pass judgement on me, thinking I’m a horrible, selfish person who doesn’t believe in giving to those in need, hear me out. This advice can help you stay within your monthly budget.  The other day I was walking in the mall, when a lady behind a booth called out to me, “Do […]

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Spring Forward, Tax Back.

March 13, 2014

It’s that time of year again.  The days are longer, the snow is melting and T4s arrive in the mail!  The idea of filing a tax return, I must admit, is not an exciting one but don’t let that get in the way of getting it done.  When I hear clients tell me that they […]

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