Stop Blaming The Government For All Of Your Debt Problems

DEBT= Don’t Ever Buy Things On Credit   Debt for most Canadians is still a reality and likely will be for a long time unless something changes but not necessarily from a political aspect but a personal one. Is the Canadian government to blame for all of our debt problems or should we start taking responsibility for the way we are spending and saving money? The past few days I’ve spent what little free time I have in between working 7 days a week, family responsibility and blogging to catch up with what’s happening in the world of Canadian Finance. With the internet flooded with resent for the Wynne Liberal government who are under fire right now especially with the increase in hydro costs that are creating energy poverty for Canadians who simply can’t afford to pay these price hikes. Our hydro has more than doubled in the past year and our habits have not changed which means we continue to be conscious of utility usage. What’s even worse is there are plans in the works to phase out natural gas, homes will need an energy audit when put up for sale and renovations based on energy efficiency. This is […]

Our Canadian Home-Tips to Save for a mortgage Down Payment

A HOME IS A BIG INVESTMENT   Saving for a down payment on a home is probably one of the biggest goals many people set out to achieve when they want in on the real estate market. Are you thinking of making the move into home ownership? Deciding whether you should continue to rent or buy a home is a decision only you can make. People often ask me why I chose to buy a home so young when I was living in the UK. I decided to buy so young because my parents taught me the value of money early. I saved my money because I knew that I should be able to make more money over time if I invested it wisely. I also realized that I didn’t want to rent but that I’d rather own my piece of land in this world. I’m not going to lie and say it was easy as that’s simply not the truth. I worked hard and long hours to get me into the home ownership scene. I had no debt and paid cash for everything I needed. My wife was the same way growing up so we both had an understanding […]

Did You Order Your Credit Report Canada? It’s Free There’s No Excuse!

YOUR CREDIT REPORT IS YOUR HISTORY   When I asked my fans if they had ordered their credit report or if they knew what was on their credit report the answer was an astounding no for many of them.  Most had no idea how to go about ordering a free credit report in Canada. Today, I’m going to show you just how easy that is and it won’t cost you a dollar. Some fans didn’t even care about seeing their credit report and that’s fair as some people truly don’t care but for others it is crucial to know what is happening behind the credit scenes. The worst thing is being uninformed until something goes wrong and then you rush to fix any financial concerns. Sadly, fixing credit doesn’t happen overnight and will take time. A friend of ours moved into an apartment and wanted to get some furniture from the Buy Now, Pay Later place only to find out her credit report came back with an unhealthy mark so she was denied credit. When I asked my Facebook community about their credit report I was also surprised to learn that most had no idea where to find out about […]

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