Julien Brault

Julien Brault

Julien Brault is a fintech entrepreneur and personal finance expert dedicated to making financial literacy accessible to all Canadians. As the founder of MooseMoney, he currently focuses on helping individuals navigate financial struggles through actionable advice and financial calculators.

Latest Blog Posts By Julien Brault

A person holding a phone to his ear, as he speaks to someone about Canadian bankruptcy exemptions and the surprising things he can keep during bankruptcy

What can they take during bankruptcy in Canada—and what can you keep?

A person using Neo Financial, a top Canadian virtual bank

Canadian fintech platforms are gaining ground over big banks—here's why

A group of four friends laying on a carpet, talking about how to build your credit from scratch as a Canadian immigrant

How to build your credit from scratch as a Canadian immigrant

A stressed person leaning against a sofa with a book open on their face as they learn about the inconvenient truth of credit builder loans in Canada

The inconvenient truth about credit builder loans in Canada

Two people in the back seat of a car

Car loans can be the easiest path to credit for new immigrants, but they may not be the best

Two people's hands propping up small rocks of various sizes, symbolizing how to rebuild credit after a consumer proposal

How to rebuild your credit after a consumer proposal

HISA ETFs: A jar of coins, symbolizing high-interest savings

Best HISA ETFs in Canada for 2026: Top options compared

Coins of various currencies on a metal surface, representing cash advances as an alternative to Nyble's credit building loans

Alternatives to Nyble credit-building loans: What works and what doesn't?

The Neo Mastercard, one of the Neo credit cards that will help build credit up in Canada, resting on a wooden surface

6 Neo credit cards that can help build your credit up

Two people standing next to each other outdoors, contemplating opening a joint bank account in Canada

How to open a joint account in Canada

A person wearing a graduation gown and cap, celebrating on an open field, symbolizing the process of how to graduate from a secured credit card to an unsecured credit card in Canada.

How to graduate from a secured credit card in Canada (and when you're ready)

A person, laying on a couch in front of shelves stacked with books and magazines, thinks about how they can keep their house while going through a consumer proposal in Canada

How to keep your house through a consumer proposal in Canada

A couple leaning in close to each other, representing how one's personal bankruptcy can impact their spouse

How your personal bankruptcy impacts your spouse in Canada

A stressed person laying in bed with a smartphone in hand, searching for bankruptcy alternatives for Canadians struggling with debt

Five bankruptcy alternatives for Canadians struggling with debt

A stressed person rests their head on a pile of books, mulling over the difference between a consumer proposal vs debt consolidation and which would best suit their situation.

Consumer proposal vs. Debt consolidation: Which protects your credit?

A person laying on a couch while using their laptop, searching up on the unexpected effects of doing a consumer proposal in Canada

10 unexpected effects of doing a consumer proposal in Canada

Sheets of paper falling over a person's head, representing the truth about government debt relief programs in Canada

The truth about government debt relief programs in Canada

A notepad on a red tartan surface beside a pen and a pair of glasses. The notepad reads, "Pay debt".

When do debt collectors take you to court in Canada?

A user accesses their Neo Financial Chequing account, one of the best no-fee Canadian bank accounts

4 no-fee Canadian chequing accounts you should know about in 2026

Alternatives to the Refresh Financial card, including secured credit cards

The Refresh Financial card no longer exists: Here are the top alternatives we found

Canadian 20 dollar bills clipped to a credit card to increase its limit

Overpaying Your Credit Card Will (Temporarily) Increase Your Credit Limit, But Has Zero Impact On Your Score

A person in a white button-down shirt and using a smartphone, checking what they can and can't do with a 680 credit score in Canada

What you can and can't do with a 680 credit score in Canada

A person on their mobile phone, checking what they can do with a 650 credit score in Canada.

What you can and can't do with a 650 credit score in Canada

A person using their smart phone, checking what they can and can't do with a 600 credit score in Canada.

What you can and can't do with a 600 credit score in Canada

A person in debt holding up a sheet of explaining what a debt collection agency can do in each province in Canada

What can a debt collection agency do in each province?

18 years old looking ahead

The step-by-step action plan to build credit at 18

An unemployed person laying on the couch with their phone and tablet, contemplating whether they can get a credit card without a job

Why you don't need a job to qualify for a credit card in Canada

A customer pays using the Neo Financial Mastercard Debit

What are the benefits of using a Mastercard debit card in Canada?

A Canadian with an instant approval credit card and a phone in hand

The truth about instant approval credit cards in Canada

A stressed person in their home, contemplating between filing for a consumer proposal vs. bankruptcy

Consumer proposal vs. bankruptcy: How to pick the best option for you

Canada Revenue Agency bank accounts: A person accessing digital banking in Canada

Does the Canada Revenue Agency know about all my bank accounts?

A continuously printing receipt, signifying automatic payments from a bank account

How do I stop automatic payments from my bank account?

A person showing the Neo Mastercard, one of the easy to get credit cards in Canada

Four easy-to-acquire credit cards in Canada

Cardinal sins of credit cards in Canada: A credit card user tapping their credit card on a payment system

The 7 cardinal sins of credit cards (and how to avoid their pitfalls)

A person contemplating how to waive overdraft fees and non-sufficient fund fees in Canada

How to avoid overdraft & NSF fees in Canada

A person accessing a frozen bank account in Canada via their mobile phone

Frozen bank account? Here's what to do (and what not to do)

Relaxed Canadian reading a book peacefully, knowing his credit is out of reach for scammers, as we see his credit card frozen in a giant ice cube.

How to freeze your credit and avoid credit fraud in Canada

Best youth savings accounts in Canada: Three young friends smiling for a photo

The best youth savings accounts in Canada

Two people looking at a phone screen as they decide to open a no-fee joint account in Canada

Here are the best no-fee joint accounts in Canada

A person accessing their Neo Financial Savings Account on their smartphone

The difference between chequing and savings accounts in Canada

A person's hand holding a gray Neo credit card over a white payment terminal at a restaurant, illustrating the everyday purchasing power of a credit limit increase.

Why you should probably say yes to a credit card limit increase