What are the Best Credit Cards to Apply For if You Have No Credit?
Getting a credit card can be a great way to build credit, as long as you choose your card wisely and use it responsibly. The best way to keep your credit healthy is by carrying a low balance compared to your spending limit and by paying off your balance on time each month. Different cards […]
How Much Should I Spend on a Car Based on Salary?
Buying a car gives you a lot of freedom. You no longer have to live life by the bus schedule and you can stop bugging friends and family for rides all over town. You can hit the road whenever you like, and listen to whatever music you want on the way there. Unfortunately, that freedom […]
How Much Should I Put As Downpayment on a Car
For most Canadians, a new vehicle is a major purchase. In fact, second only to a home, a vehicle is the largest purchase most Canadians will ever make. So, it shouldn’t come as a surprise that for many people the purchase process can be stressful. Shoppers in the market for a vehicle have a lot […]
What Happens to Your Credit When You Get Married?
Let’s get a couple things clear right off the bat: getting married won’t hurt your credit score, and tying the knot doesn’t mean taking on your spouse’s bad credit. That’s not to say that getting married doesn’t affect your finances. Getting married is an exciting life event, but one of the less romantic sides of […]
How to Deal with a Debt Collections Agency
Dealing with a collections agency is never fun. These companies specialize in recovering unpaid debts and they can use some pretty aggressive tactics to recoup those losses. Bills go unpaid for all kinds of reasons. An unexpected career change or an illness can make it hard to keep up with your financial commitments; or a […]
Top 10 Credit Building Tips
Want to improve your credit score, but don’t know where to start? You’re not alone. Understanding how to build good credit is a mystery to more than 35% of Canadians. If you fall into this category, don’t worry. It’s actually easier to build up good credit than you might think. Here are 10 of our […]
How to Get the Best Deal on a New Car in Canada
Saving money on a big purchase is the single best feeling in the world. Alright, getting a promotion at work or marrying the love of your life might beat getting a good deal on a new car — but it’s still rewarding to know you’re not throwing money down the drain! Car pricing is […]
How to Estimate Car Insurance Before Buying a Car
Even though car insurance is mandatory in Canada, many people forget to include it in their overall vehicle budget. Just like gas and maintenance costs, insurance is something you’ll be paying for as long as you own your vehicle. You’ll need coverage before you drive your new car home, so it’s a good idea to […]
Top Budgeting Apps for Canadians
In this day and age, we’re used to lightning speed technology and getting answers with a swipe of our smartphones. With so many resources at our fingertips, people are moving away from traditional methods of managing finances. Although the do-it-yourself trend is huge right now (think Pinterest), you’ll need some solid help to ensure you’re […]
How To Protect Your Vehicle’s Resale Value
You’ve probably heard this before: as soon as you drive your new vehicle off the dealership lot, it starts to depreciate in value. Depreciation is one of the most expensive components of vehicle ownership and plays a key role in the return on your investment. After years of use, general wear and tear and racking up mileage, […]
