Budgeting & Debt
Learn how to manage your budget and reduce debt with practical guides on spending, saving, credit, and repayment strategies. Take control of your money and your life with confidence.
What is a cash advance? Here’s how this short-term loan works in Canada
Cash advances help you bridge the gap between paycheques. Here’s how they work, what they cost, and what to know before you use one.
OSAP: Who qualifies, how much you get, and what to do when it falls short
OSAP can lighten school fees, but the amount you get isn’t always what you expected. Here’s how eligibility works, what affects your grant, and how to cover the gap.
Debt consolidation in Canada: Is it right for you?
Juggling multiple debt payments? Here's how debt consolidation works in Canada, what it costs, and how to decide if it's the right move for you.
Car loans for newcomers to Canada: Everything you need to know
A practical guide to auto financing, rates, and the basics of car loans for new Canadians.
Bad credit car loans in Canada: How to get approved
Bad credit car loans are available in Canada, but the terms vary widely. Here’s how to find one that won’t cost you more than the car itself.
Joint account tax implications in Canada: Who pays what to the CRA?
Interest, dividends, and capital gains earned in a joint account are all taxable, but they aren’t necessarily split 50/50. Here’s what the CRA actually expects you to report.
How to keep your house through a consumer proposal in Canada
If your home equity in lower than the bankruptcy exemption in your province (less than $10,783 in Ontario, for example), your proposal can be lower than the amount you owe, even if you own house.