News
Start learning to save on education early
You know all those times you fumed at the nickel-and-diming that takes place this time of year as your children head off to elementary or high school? Well, it’s nothing compared to the hundreds and sometimes thousands college kids have to spend before their school...
How to avoid bankruptcy … again
You’ve filed for bankruptcy and are on your way to having your debts eliminated. Now what? If you’re one of the 70,000 Canadians who file for bankruptcy every year, you go to work every day, submit your income statements to your trustee every month, and meet your...
Fraud and Bankruptcy
Most of the 70,000 Canadians who file for bankruptcy each year do so honestly and carry through with their obligations during the bankruptcy in order to be discharged from it with a clean financial bill of health. However, there are those who file for bankruptcy under...
Seniors and debt – Carrying debt too far
Much is written about the increased levels of debt being carried by Canadians these days, but very little is addressed about that level of indebtedness being carried over into our retirement years. And that’s troublesome because if you are struggling with debt in your...
Planning your Christmas holidays spending-Toronto
Planning for Christmas used to be a lot easier before the mass-media marketing storm. And since just about everybody watches TV or listens to radio or (increasingly) surfs the internet, it’s becoming a lot harder to avoid overspending on Christmas. And never mind the...
Cutting your grocery bill a matter of watching your waste
People gotta eat, right? And many probably don’t realize how much they spend on groceries because you don’t always think about your spending when it comes to the staples of life. There are things that you can do to lower your monthly grocery bill, though, so it...
Budgeting for winter clothes
Clothing is one of those items that many people don’t include in their monthly budgets but should consider including it in their yearly budgets, and that involves saving during the year for a once (or twice) yearly event. Winter clothing is a particularly important...
Putting the fun back into budgeting
If you run your own business, you’re familiar with Entertainment Expenses. That’s the category to which you can assign money you spend entertaining clients or potential new clients, with the final resolution that you drum up some business. The idea is that you spend a...
Bankruptcy and the continuing collection phone calls
So you’ve had enough of the continuous phone calls and repeated emails from collection agencies and decided to file a consumer proposal or for bankruptcy in order to settle your debts. And yet the calls keep coming. What’s that all about? Well, it all comes down to...