Debt Consolidation

Utility costs such as electricity can take up a significant amount of your monthly budget. It can be hard to generalize about electricity costs since they vary from province to province (costing up to 41 cents per kilowatt hour in the…
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Is it possible to find tax debt forgiveness in Canada? Many Canadians already face large amounts of debt. As of 2023, the debt-to-income ratio for the average Canadian household had risen to 184.5%, meaning Canadians owe $1.85 for…
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Having a budget can help you reach your debt repayment goals faster and more consistently by giving you a structure that you can use to allocate your money as needed.
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As Credit Counsellors, we’re often asked, can you consolidate debt into a mortgage? The thought is that in doing so, you will reduce the overall interest you have to pay on your individual debts (because the mortgage rate should be…
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For many, having a car is a necessity–not a luxury–especially if you rely on your vehicle to get you to work. But having a vehicle isn’t cheap. When you factor in the car payments, insurance, gas, repairs and regular maintenance, it's…
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It’s hard to make any kind of financial decision these days without considering how it might impact your credit score. And it's no wonder! Your credit score could mean the difference between getting that rental apartment you've been…
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When financial trouble hits, it may be difficult to pay all of your bills on time. Whether it’s due to a divorce, job loss, unexpected illness, or something else, it can be stressful trying to get your finances back on track. You may…
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Do you feel like you’re spending too much on groceries? Or find it hard to save money after paying off your debts and monthly bills?
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Tax season has long been a busy time of year for Canadians. While filing taxes early and getting them out of the way is preferable, it’s easy to put it off and wait until the last minute to do your taxes. Here are a few things you…
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The majority of Canadians must file taxes every year, regardless of whether they owe taxes. If you live in Canada, you must file a tax return with the Canada Revenue Agency (CRA) each year by April 30, though self-employed individuals…
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