We’ve discussed many tips on using TFSAs to improve your cash flow and here are two more important tips to maximize your cash flow, courtesy of CanadianTaxMan, a tax specialist himself. Read More…

Debt is certainly nothing out of the ordinary and being someone who lives and breathes personal finance, one question I often get from friends and family is should I consolidate all my credit card balances, car loans, and any other debts, into a single consolidation loan?

The advice I always give in response is that consolidation can be a good idea, but two critical factors must be considered first. Read More…

Laid off? Got a reduction in your benefits and/or salary? Graduated and can’t find a job? Don’t you worry, we have the stimulus package for you! Read More…

Some of us use at least one reward program, such as Air Miles, PC points, Aeroplan, etc.  These can be great programs to get maximum value from your spending (and ultimately save money!), especially when the program has no requirements to get rewards other than flashing your rewards card.  Some are tied to credit cards, but others are stand alone programs.

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Are you someone who pays cash or uses debit for all your purchases?  This can be an admirable trait for some; but for people who are disciplined, it is not the most efficient way to handle your finances.

The Advantages of Using Credit Cards

Using credit cards has many benefits: Read More…

I know several people with locked in 5 year mortgages, who also have existing Home Equity Lines of Credit (HELOC), where the HELOC rate is currently lower than their mortgage rate.   Do you also find yourself in this situation?

Why HELOCs Are Better Than Mortgage Rates

If so, you have here another opportunity to save yourself some money.  Read More…

You don’t get these offers, you say? Don’t worry, we got you covered!

How to Get Them

The way to ensure that you get plenty of offers is to Read More…