Leamington
Gordon Sands Repaying CERB: A Comprehensive Guide In the face of the global health crisis prompted by Covid-19, Canadian citizens experienced major impacts, including health issues, job losses, and financial instability. To cushion the blow, the Canadian Government launched the Canada Emergency Response Benefit (CERB). However, post-disbursement, some individuals found themselves ineligible, necessitating repayment. In this guide, … Read more
Reviving a Dead Consumer Proposal In the world of finance, a consumer proposal is a formal, legally binding process that is administered by a Licensed Insolvency Trustee (LIT). This method is often seen as an alternative to personal bankruptcy. However, sometimes, due to unforeseen circumstances, a consumer proposal might fail. This article aims to guide … Read more
Managing Debt and Scaling Back Lifestyle: A Comprehensive Guide Today’s financial landscape is a tricky one. The low-interest-rate environment and easy access to credit have lured many into the ‘buy now, pay later’ trend. With a vast majority of individuals spending more than they earn, it’s high time that we discuss how to scale back … Read more
Mastering the Art of Negotiating with Credit Card Companies Are you finding it challenging to meet your credit card payments due to high-interest rates or unexpected changes in your financial situation? Don’t fret; there’s a way out. How to negotiate with the credit card companies is an art you can learn and apply to ease … Read more
How to Not Let Debt Ruin your Relationship: A Comprehensive Guide Financial stress is a leading cause of strain in relationships. Debt, in particular, can lead to various emotional disturbances such as anxiety, sleep deprivation, irritability, and heated disputes. How to Not Let Debt Ruin your Relationship is a topic of utmost importance, especially for … Read more
Advice on Paying Back OSAP & Why It’s Important Are you a recent graduate in Ontario, Canada, and not sure how to navigate the repayment of your Ontario Student Assistance Program (OSAP) loans? Or perhaps you are a parent assisting your child in understanding the complexities of student loan repayment? This comprehensive guide on how … Read more
Conquering Enormous Debt: A Practical Approach We’ve all heard the inspiring tales of individuals who’ve wiped out six-figure debts in just a few years. Although these stories are indeed uplifting, they often don’t reflect the typical debt repayment journey. Most people can’t take the drastic measures required to clear massive debts quickly: working multiple jobs, … Read more
Swift Solutions: Mastering the Art of Rapid Debt Repayment Are you battling against a mountain of debt that seems insurmountable? Do you feel the mounting pressure on your health, career, and personal relationships due to these financial burdens? If so, you’re not alone. But the good news is, there are ways to tackle this monster … Read more
Navigating Debt Assistance for Elderly Parents: A Comprehensive Guide The roles often reverse as we grow older; children become caregivers to their parents. But the realm of financial caregiving can be tricky, especially when it comes to how to help elderly parents with debt. Discussing finances can be a tightrope walk, and it’s even more … Read more
Offering a Helping Hand: A Comprehensive Guide on Assisting Someone with Financial Difficulties In today’s demanding world, financial struggle has become a common occurrence. Yet, despite its prevalence, many find it challenging to openly discuss their monetary woes. The stigma surrounding financial difficulties often exacerbates the situation, further isolating those experiencing it. This article will … Read more
Surviving in The World Without Credit Cards: A Comprehensive Guide Credit cards have become an integral part of our financial lives. However, the tide seems to turn as more and more people are considering a life free from credit card debts. If you’re thinking – “How to live without credit cards?” – then read on. … Read more
Lowering Your Set Expenses To Pay Off Debt Faster In the journey towards becoming debt-free, it’s crucial to not only consider discretionary spending but also to examine and adjust fixed expenses. This comprehensive guide provides essential strategies on how to lower fixed expenses on your budget when you’re paying off debt. Understanding Your Budget Composition … Read more
Crafting A Functional Consumer Proposal Budget: A Comprehensive Guide Understanding the process of creating a consumer proposal budget is crucial when you are navigating through financial difficulties. This definitive guide will lead you through the journey of How to Make a Consumer Proposal Budget That Works. Understanding Your Financial Status Before a Consumer Proposal Financial … Read more
Negotiating a Settlement With a Collections Agency Understanding how to navigate the complex world of debt collection can be a daunting task. This article aims to provide you with a comprehensive guide on how to make a settlement with a collections agency. What is a Collections Agency? When you’re unable to meet your debt obligations … Read more
Keeping Debt Collectors at Bay: Your Comprehensive Guide Experiencing financial difficulties and struggling with debts is stressful enough, but incessant calls from debt collectors can add another layer of anxiety. This guide provides a thorough understanding of the process of dealing with debt collectors and offers strategies on how to make debt collectors stop calling. … Read more
Conquering the Subscription Avalanche: A Comprehensive Guide With the proliferation of subscription services across various industries, from Netflix’s video streaming to ZipCar’s automobile rentals and Maple’s online medical consultations, it’s easy to find ourselves drowning in a sea of subscription-based models. The allure of endless music on Spotify or a constant supply of fresh ingredients … Read more
Mastering Financial Management: A S.M.A.R.T. Approach Having a secure financial future doesn’t necessarily mean making more money. Rather, it’s about making the most out of what you already have. This starts by setting specific, measurable, attainable, realistic, and timely (S.M.A.R.T.) goals. This guide will help you on your journey to effective money management. Establish Your … Read more
Getting Debt-Free Fast in Canada: A Comprehensive Guide Dealing with financial burden in Canada can be quite challenging, particularly when you’re striving to make ends meet each week. The anxiety of potentially losing your property or vehicle, or perhaps the constant harassment from collection calls or threats of wage garnishment can be overwhelming. However, it’s … Read more
Debt Consolidation Advice is Always Available for Free From a Licensed Insolvency Trustee The journey towards financial stability often seems like a steep climb. However, the right debt consolidation advice can be a ladder to your success. The best part? You can access this advice for free. Let’s explore how to get good debt consolidation … Read more
Shedding the Burden of Credit Card Debt: A Comprehensive Guide Having credit card debt can feel like being trapped in a hamster wheel — you keep running but never seem to get anywhere. You’re not alone. Escalating credit card debt is a common issue that many individuals and families face. However, the good news is … Read more
