The 80/20 Rule of Money Management
Do you feel like you’ve never been taught how to budget properly, or just don’t have the time or motivation to? Doug Hoyes explains his “cheat way” to financial success with money management.
Our knowledgeable team of Licensed Insolvency Trustees provide information and expert advice to help you on your way to becoming debt free. Our extensive debt help resource centre includes articles, videos, and podcasts on how to get out of debt including commonly asked questions about consumer proposals, bankruptcy, and debt consolidation options. Become informed about credit rebuilding and other money management tips as you search for a solution to your debt problems.
Do you feel like you’ve never been taught how to budget properly, or just don’t have the time or motivation to? Doug Hoyes explains his “cheat way” to financial success with money management.
If you have multiple debts, you need a plan for repayment. We explain whether you should pay high dollar or high interest debts first, when to use balance transfers and what to do when balances are too large.
Not everyone struggling with debt has to file for insolvency. Learn about how and when to negotiate a debt settlement on your own with your creditors, and other aspects to consider in the process.
How do you pay off a large sum of debt, say $20,000 or $30,000 or even $50,000? Doug Hoyes explains what you need to consider when tackling big debt loads.
Banks want you to pay more in interest, which is why they only ask you to pay the minimum balance each month. Find out how minimum payments keep you in debt and how to pay down credit card debt successfully.
A large and unexpected cost can throw a wrench into your budget or cause you to turn to high cost debt. Explore how even a small emergency fund can help your finances.
Learn about how a proposal deals with your unsecured creditors, whether you can hold back debts and how it may impact secured creditors like your mortgage or car loan.
Have you recently filed for bankruptcy, and are curious about the process of bankruptcy court? Learn about what you can expect in this proceeding, and everything you can do to properly prepare yourself.
Did you know that bankruptcy is a legal and regulated process governed by federal legislation? Here is our easy-to-understand guide on the Bankruptcy and Insolvency Act, including 6 rules you need to know.
Are you having some sort of a moral dilemma because you want to file for insolvency to create a fresh financial start for yourself? Find out 5 reasons why bankruptcy is not morally wrong.
Are you trying to find a trustworthy financial planner in Ontario? Find out how to find a credible planner, the income you need to work with them, and if you should use investments to pay down debt.
Fall behind three payments and your consumer proposal will be annulled by law. If this has happened to you, find out if it’s possible to revive an annulled proposal and exactly how to do it.
What is the significance of a good credit score? Is having a low score really bad? Our experts explain credit scores, when a poor score may be okay and the downfalls of credit repair companies.
Credit reports carry a lot of information about the money you borrow, how you make payments and even some personal information. Find out what's on your report and how to read a typical credit report.
Are you curious about the advantages and disadvantages of filing for insolvency in Canada? We provide you with the most notable pros and cons of bankruptcy, to help you navigate debt relief.
What can you do if you are unable to make your some debt payments yet you have significant home equity? We explain home equity debt consolidation, home equity loans and when a consumer proposal is a better option.
A consumer proposal deals with unsecured debts, not secured debts like a mortgage. If that's the case, find out how filing a consumer proposal affects your home equity, an existing or even qualifying for a future mortgage?
You have debt and poor credit. Can you get a debt consolidation loan and how much will this cost? We explain the consequences of a bad credit consolidation loan and give you options.
Females have unique challenges to manage when it comes to debt payments and accruing debt. Find out why women are more likely to become insolvent and how to protect yourself from different forms of debt.
Have you recently completed a consumer proposal or bankruptcy, and are trying to rent a new place? We provide resources for stable and affordable units and what to do if you have a bad credit score.
Are you dealing with overwhelming debt and want to know more about your debt relief options? Learn about how to find a licensed debt expert to guide you, as well as costs, legalities, risks and more.
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