519-646-2222Category: Tips for Money Management
Kick the debt habit
The best way to kick any habit is to develop a new habit to replace it. We can help you understand how and why you were vulnerable to getting into debt and we can help you get out of debt – call us 519-646-2222
Read moreHow do I get my credit back?
We have posted a lot of articles on this topic – this one takes a slightly different view and asks you to think a little more about how you should use credit and why you need it in the first place.
Read moreWear it all goes – clothing costs
Budgeting can be a very useful tool – for some families budgeting is more challenging than for others. Wealthy families don’t really care about budgeting as long as the inflows are greater than the outflows. Poorer people need to pay more attention to their monthly spend.
Read moreDebt Reset – and Build Back Better
Reset your debt and build back better – start again, fresh! No more debts, build assets instead.
Read moreRebuilding Your Credit
If your credit rating took a tumble, either by filing an insolvency prceeding or just getting behind on payments – you can rebuild. 519-646-2222
Read moreImprove Your Credit
Are you concerned about your credit score? There are some simple steps you can take to review and improve your credit standing.
Read moreDIY Debt Reset
If you are going to go it alone with resetting your debt, here are a few important considerations.
Read moreChange Your Bank Accountant
There are many good reasons not to bank where you owe money – your banker would not agree, but the issue is one of who controls your money.
Read moreDemasiada deuda
Too Much Debt
How do you know when you have too much debt? Is there a threshold value?
Read moreOwnership of debt
It’s easy to get confused about who owns your debt, debts get sold and traded and it is even conceivable that you could own your own debt through investments.
Read moreLower Payments
Lower payments are no pancea for managging debt, lower payments usually means extending payments over a longer period of time and paying more interest and service fees.
Read moreTotal Equity Plans
Bankers don’t work for you, they work for banks. At banks “profit” is not a four letter word – bottom lines are very important and securitizing those bottom lines is an integral part of a bankers business.
Read moreHow We Help
Debt problems come in all shapes and sizes, there is no “one size fits all formula” – your debt problems are as unique as your are. We try to find the right balance for you and your family.
Read moreWho can help:
Who can help and how can they help when you are faced with difficult debt problems?
Read moreYour house is not an ATM
Your house is not an ATM but if you treat it as if it is you run the risk of losing it altogether. You can’t simply keep pulling money out and expect that it will replenish itself.
Read moreThe real cost of debt
The real cost of debt goes beyond the interest rate and monthly payments and for many people affects their performance in almost every facet of their life.
Read moreBudgets and budgeting
Budgets and budgeting are intrinsically associated with filing an insolvency proceeding. Canadians, generally, are not very good at budgeting, but poorer people are better than wealthier people.
Read moreOverdraft Protection
Too many people get comfortable with their overdraft protection and miss the point of how to use properly, and wisely.
Read moreBuy a house after bankruptcy
Sure, you can buy a house after bankruptcy. Of course you must be discharged and some conditions may apply.
Read more