Reducing or getting out of debt altogether can be a difficult decision. Sometimes, it can feel like overcoming decision making inertia. Many people assume they must declare bankruptcy if their debt is too difficult to manage. However, bankruptcy is not your only option for relieving debt. A consumer proposal may be the right solution for […]
Graduating from post-secondary school is an exciting accomplishment, but when you come out of school with student loan debt, you have to face loan repayment. If you receive loans from multiple sources, such as the federal and provincial governments, or private loans and lines of credit from banks, you will have several payments to keep […]
The average Albertan carries about $25,000 of debt—the culmination of student loans, car loans, mortgages, credit card balances, and so much more. You’re going to have to face these debts at one point or another, and the difference between paying them off and struggling with your finances is having a sound repayment strategy. If you’re […]
Running your own business can be one of the most rewarding and self-actualizing decisions you can make, but it comes with many responsibilities. And with these responsibilities come expenses, and with expenses often comes debt. For new Alberta business owners, the future looked bright as there was a 27.9% drop in business bankruptcies in 2021 […]
Credit cards are among the most common reasons so many Canadians struggle with debt. In fact, 88% of debtors had a median credit card balance of $13,827 in 2019. When you couple credit card debt with mortgages, car payments, and student loans, it’s not difficult to imagine your finances taking a tailspin if you’re not […]
So you’re ready to start looking for a home, but you feel a little overwhelmed with all the odds and ends that come with it: there are different types of mortgages, amortization periods, and fees that all can pile up on each other before you’re even given the keys. While there are plenty of resources […]
Credit cards are useful tools for providing us with money in advance. This money is not free however. It is an advance loan and must be repaid within the credit agency timelines. In fact, the money you spend using a credit card payment is more expensive than your own money from your bank account […]
Losing a loved one is always difficult, and it can be even more difficult when you have to handle their finances as their Power of Attorney (POA) or Executor of the estate. Wills and Estates are formalized through an Attorney. Both POA and Executor roles are comprised of people entrusted with fulfilling the requests […]
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