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Financial Management Advice

See our easy and effective tips on how to manage your finances and get out of debt.

When relatives ask for financial help. How to react?

What to do when a loved one asks for help? Our first reflex, as a friend or family member, is to of course say yes! But giving someone $2,000 to...

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Un guide de survie financière avec la rentrée scolaire

Mère monoparentale de deux enfants dont l’aîné entre au secondaire, Myriam a beaucoup de dépenses en cette rentrée scolaire. Disposant de peu de marge de manœuvre, elle se demande...

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I am having financial difficulties. Should I withdraw my RRSPs?

Should you withdraw funds from your Registered Retirement Savings Plan (RRSP) if you are having financial difficulties? It may be quite tempting to withdraw the necessary amount to reimburse...

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What recourses are available to my creditors?

You are late with your payments and wonder what recourses are available to your creditors. The first, and often the most effective, is to put a bad rating to your...

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Let’s avoid our most common mistake!

Our most common mistake? Overconfidence! We rely on the fact that everything will continue to go well and that no complications or roadblocks will appear.   Reality is often quite different Six...

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If I am unable to pay the mortgage on my home, may I simply give it back to the Bank?

If you stop paying the mortgage on your home, you will be in default of your obligations. The financial institution will then have two choices : To sell the building...

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Beware of “no credit refused” ads!

More and more in the media, we get the impression that ads put more emphasis on credit than on the goods they sell! Indeed, the key to selling more is...

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Poser les bonnes questions avant d’acheter une voiture

Caroline vient de terminer son cours de coiffure et de décrocher son premier emploi. Pour faciliter ses déplacements, elle décide de s’acheter une voiture. Ce qui semblait être une...

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Pas facile de choisir la meilleure façon de gérer son argent

Chaque année, de très nombreuses personnes éprouvent des difficultés financières ou se posent des questions sur la meilleure façon de gérer leur budget. Pour terminer l’année, voici un aperçu de...

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The purchase of a house

You want to buy a house and you are wondering how much of an investment you can afford?   The two most important rules to respect are: Don’t rely on the maximum...

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Les 4 clés pour obtenir un prêt

Vous souhaitez obtenir un prêt et vous voulez mettre toutes les chances de votre côté? Préparez minutieusement votre dossier. Voici les 4 principaux facteurs qu’un éventuel prêteur considérera avant...

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Can I solve my financial problems without losing my house or my car?

Yes! The first step to take when encountering financial difficulties is to prepare a budget and consider cutting certain expenses in order to create a monthly budget surplus which will allow...

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Saving for Back-to-School

Soon, the kids will be back in class. In many stores, summer liquidations are already making way for school supplies. Some parents dread this time of the year as...

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Should you purchase or lease a vehicle?

On the one hand, leasing allows for smaller monthly payments and the opportunity of changing vehicles more often, however, you are constantly paying. On the other hand, purchasing can also...

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Des réponses à vos questions

Pas toujours facile de prendre les bonnes décisions en matière de finances personnelles. Pour vous aider à vous y retrouver, voici des réponses aux questions que nous ont envoyées des lecteurs de cette chronique.

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Guaranteeing a loan for a loved one: Yes or no?

Your daughter has asked you to guarantee a loan that she wishes to get. What will be the consequences if you accept? Generosity and its downsides When you guarantee a debt,...

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Pay cash, pay less!

Avoid « Buy now and pay later » financing. Take advantage of the rebate that most merchants will give you when paying cash. If the merchant does not offer one, shop...

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Debt ratio

You should know your level of debt (debt ratio) and you can measure it easily by clicking on monratioendettement.com. Being informed on your financial health will allow to fix problems if...

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Beware of credit cards

Be advised that credit cards are the single most important cause of indebtedness for people who need our help. Limit yourself to only one card and pay off your...

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Emergency fund

Plan an emergency fund for your current expenses in case of an unforeseen loss or reduction of income. This will avoid falling behind in your payments which can affect...

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Avoid minimum payments

Did you know that a $ 10,000 balance at 20% interest will take up to 23 years to reimburse and will cost you a total of … $ 20,000!  

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Don’t reach your credit limit

Remember that just because your financial institution offers you credit does not mean you have to accept it. If you go to the maximum of what they say you...

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6 conseils pour préparer la rentrée universitaire… dès maintenant!

L’été, c’est LE moment où l’on a particulièrement envie de s’amuser… les tentations de dépenser sont donc nombreuses. Pourtant, la rentrée universitaire n’est pas si loin, avec tous les...

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3 tips for inexpensive vacation

As summer appears to have finally arrived and the kids are finally enjoying their well-deserved school break, it is now very tempting to think of a family vacation. Unfortunately,...

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