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Anyone who’s ever borrowed money goes through a learning curve of what they could have done better, what they should have done, etc. Some also go through a grim but educational process of debt recovery, in which they learn the hard way. Whether they were business loans or personal loans, the money came and went,…
The total debt per consumer in Canada increased 5.6% in the last year -Source. After the recent FTC ruling in the United States (which prohibits debt settlement servicers to charge a fee unless a debt is altered, restructured, or settled), it’s no surprise that many companies are looking elsewhere for less a regulated turf. In…
Given our propensity to live vicariously through our credit cards, it’s no wonder that living well beyond our means suddenly catches up with us. If you find yourself mired in mounting credit card debt, don’t panic. There are solutions to get out of credit card debt. The first and most important decision you must make…
Are you trying to get out of debt but having trouble paying down your credit card bills? If so, then there’s a good chance you are making some simple mistakes with your debt repayment strategy. Unfortunately credit cards don’t come with instructions, and barely explain how easy it is to build up a large balance….
1. Personal loans (Secured and Unsecured) Unsecured Personal loans An unsecured personal loan can be very easy to obtain. Most of the time an unsecured loan requires no collateral and may not even require your credit score. Usually the amount of an unsecured loan is small ranging anywhere from $100 to $500 dollars. Some lenders…
You’re responsible with your finances. You don’t use credit cards, preferring to pay with cash. A debt-free lifestyle means that you are in charge of your finances, and your money is working for you — rather than working for someone else. It seems like you should be rewarded for such behaviours when you apply for…
Overpaying your debts – a great way to save on interest and get back in the black as soon as possible. Staying motivated – a real issue for people who are trying to put their hard-earned cash towards their debts, rather than spending it on things they’d rather be spending it on. So: how do…
