How to Save Money on Electricity Bills
Credit Canada Blog
by Dianna Hendriks
2d ago
Utility costs such as electricity can take up a significant amount of your monthly budget. It can be hard to generalize about electricity costs since they vary from province to province (costing up to 41 cents per kilowatt hour in the Northwest Territories and just 7.8 cents/kWh in Quebec). However, as the cost of electricity rises, being able to cut back on electricity usage can be a good strategy for saving money ..read more
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Tax Debt Forgiveness in Canada | Credit Canada
Credit Canada Blog
by Cathy Plowman
1w ago
Is it possible to find tax debt forgiveness in Canada? Many Canadians already face large amounts of debt. As of 2023, the debt-to-income ratio for the average Canadian household had risen to 184.5%, meaning Canadians owe $1.85 for every dollar of disposable income ..read more
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How to Budget to Pay Off Debt
Credit Canada Blog
by Mike Bergeron
2w ago
Having a budget can help you reach your debt repayment goals faster and more consistently by giving you a structure that you can use to allocate your money as needed ..read more
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Car Repossession: How it Works & Impact on Credit
Credit Canada Blog
by Dianna Hendriks
1M ago
For many, having a car is a necessity–not a luxury–especially if you rely on your vehicle to get you to work. But having a vehicle isn’t cheap. When you factor in the car payments, insurance, gas, repairs and regular maintenance, it's often one of the biggest monthly expenses following your rent or mortgage.  ..read more
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How to Remove Collections From a Credit Report in Canada
Credit Canada Blog
by Randolph Taylor
1M ago
When financial trouble hits, it may be difficult to pay all of your bills on time. Whether it’s due to a divorce, job loss, unexpected illness, or something else, it can be stressful trying to get your finances back on track. You may also be worried about the impact late or missed payments can have on your credit report ..read more
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How to Get Out of Debt on a Low Income (10 Strategies)
Credit Canada Blog
by Himank Bhatia
2M ago
Do you feel like you’re spending too much on groceries? Or find it hard to save money after paying off your debts and monthly bills ..read more
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Does Overdraft Affect Your Credit Score?
Credit Canada Blog
by Randolph Taylor
2M ago
Overdrawing a bank account can happen to anyone regardless of their earnings. For example, someone could have a delayed deposit making it into their bank after an automatic withdrawal ..read more
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Tackling Rising Mortgages and Missed Payments in Canada
Credit Canada Blog
by Randolph Taylor
3M ago
Are housing costs putting you into debt? The increasing cost of living has put many Canadian homeowners in a tough spot as they struggle to keep up with high mortgage rates ..read more
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Does Debt Consolidation Affect Buying a Home?
Credit Canada Blog
by Mike Bergeron
3M ago
Homeownership is a life-changing event. So is having a large amount of debt. Whether you own a home or are planning to buy one, knowing your options for managing your debt is crucial. If you’re struggling to make monthly payments on your debt, you may be investigating different debt relief options to get rid of that debt so you can have enough leeway to make mortgage payments. Filing for bankruptcy makes it incredibly difficult to qualify for a mortgage. So, instead of bankruptcy, you might be considering debt consolidation ..read more
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How Long Does It Take To Build Credit in Canada?
Credit Canada Blog
by
3M ago
Credit can have a big influence on your life. Having a low credit score can impact your ability to buy a home, rent an apartment, get an auto loan, qualify for a line of credit, and even get a job. However, your credit score is something you can improve, with some patience and hard work.  ..read more
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