519-646-2222Category: Tips for Money Management
Credit Re-Builder Programme
Call to learn more about our new credit re-builder programme and get your new year off to a good start. We will help you through all the steps necessary to re-establish credit and get yourself back on target for living within your means. Whether you have filed a bankruptcy or a proposal or simply need […]
Read moreChristmas shopping tips
Christmas is a time of the year when most people start to really focus in on giving, mostly to other family members. For some, the act of giving is a “make-up” whether that be in the sense of making amends to a spouse, kind of like buying flowers after a fight, or a time to […]
Read moreGo bankrupt before the new year
If filing for bankruptcy is on your horizon, going bankrupt before the new year protects your interest in next year’s income tax refund. When you file a bankruptcy, your trustee will receive your tax refund for the year of the bankruptcy and the year prior (more if other years are still outstanding). If you wait […]
Read moreNew Mortgage Rules – January 2018
That’s right the government is adding new regulations to the mortgage industry effective January 1st 2018. You might ask yourself “why?” the answer is simply that the mortgage industry won’t regulate itself. The industry is of course broader than just the banking industry and although the rules might seem to apply to all they probably […]
Read moreSave Money on Groceries
I was shopping for a charitable BBQ event about two summers ago, I had my cart filled with buns, sausages, hamburgers, condiments, drinks and so on. When I got to the checkout there was a young woman in front of me pulling out coupons and flashing an app on her phone. Made a comment to […]
Read moreNew Mortgage Rules
New mortgage qualifying rules will come into effect in January 2018. Many consumers are in a rush to obtain mortgages before the changes, but is that a good idea? Let’s think about changes in mortgages during the last fifty years. Fifty years ago, about half as many Canadians had their name on title as property […]
Read moreMORE PEOPLE CHOOSE LOCKE CONSULTING
Year over year for the last four years more and more consumers have visited our web site and engaged our services. If you or someone you know is experiencing financial difficulties, because of mounting debts, contact the office and arrange your free, no obligation, consultation.
Read moreManaging Debt
