CTV recently posted an article about Debt to Income Ratios citing that household debt grew faster than income. In addition, Statistics Canada recently released stats stating that not knowing your debt-to-income ratio could come with consequences...
Ah! Spring! Such a wonderful time of renewal. You just feel like your coming alive! The heck with New Years Resolutions, spring is a much more motivating time to make changes. So why not...
2017 is officially behind us. Bring on 2018! The Christmas decorations will soon come down and be packed away (for us at least, some of you have likely tackled that part already. I love...
I am an avid seeker of financial knowledge. I follow many blog sites and sift through social media advice and articles, always on the look out for items to further increase my knowledge and...
Your worthiness is not dependent on what other people think of you. Remember that when you enter the credit world. We are all so hung up on our “credit rating”, which essentially is a...
I was recently reflecting on the reasons that people walk through my door. Of course, they come to me because they are experiencing some type of financial hardship and they need advice. But I...
just because your credit score is ok, and lenders say you “qualify” to borrow more money, doesn’t make it so, Look deeper.
I know we live in a world of credit, but sometimes I feel like I am on a seedy corner, with a drug pusher who is saying all of the right things to get me to make the “purchase”. I resist because I see the perils everyday, because I know how much credit I now have and how much I am unwilling to let myself be lured into that false sense of security that comes with credit.
If you were to ask me, “what is the single most important thing a person can do to change their financial future?” I would answer “Track their spending”! Oh and I would add “And look at it!”. Let me tell you a quick story about a relative who learned this lesson just a tad too late.
Budgeting & Money Management / Credit Relationships / Dealing with Debt / Get Out of Debt / Spending Patterns
Is anyone really happy with the amount of income they’re making? I think we all feel that we deserve to have more, we deserve to spend more, we deserve to have less stress worrying...
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