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december 2013


learn how to make smarter choices with your money

Santa's Secrets for Avoiding Debt


Santa's secret for how to avoid debt at Christmas time.Don't ruin your Chrismas memories with a holiday hangover of debt in January. Take a few tips from Santa including how to avoid paying as much as 50% more for everything you buy.


Even if you leave your shopping until close to the end, make a holiday spending plan before you hit the stores so that you don't max out your credit cards. Read on for some quick tips on how you can avoid holiday debt this year.


Why is My Available Balance Higher Than My Bank Account Balance?

Young woman withdrawing cash from an ATM.How Overdraft Protection Really Works


Overdraft protection can make you feel richer than you really are, and if you dip your bank account below zero and take advantage of your overdraft limit, the costs and fees should make you think if it's truly a service that protects you, or if it's become a problem . . . (Learn more)


3 Ways to Create a Personal Budget Plan with Irregular Income


When you're a student with a student loan, a self-employed entrepreneur or someone who depends heavily on commission or seasonal income, you might be tired of hearing everyone tell you that a budget will make managing money easier. When you have irregular income, what if creating a budget is the problem?

Budgeting irregular income for both good times and leaner times.If you have fluctuating income, seasonal employment or if you depend on lump sums of money to carry you through several months of expenses, creating a budget can be extremely difficult.

The trick is that while your income fluctuates, with some careful planning, your spending doesn't have to. Here are 3 ways to budget with irregular income. (Read more)



‘They easily could have lost everything’:

Maple Ridge, BC family completes one-year Money Makeover journey


A year ago, Rachel Jensen and Ryan Rasmussen were drifting deeper into debt as they struggled to bridge the gap between what they earned and spent.

Family participating in a Money Makeover challenge.Today, the Maple Ridge, BC couple are learning how to live within their means. They’re making progress toward their ultimate goal of freedom from debt.
In late 2012, Jensen and Rasmussen were chosen for a year-long money makeover by the Credit Counselling Society. The goal of the makeover was to help the couple acquire the habits and strategies they would need to pull themselves out of debt and start making ends meet. The Sunday Province has tracked the family’s progress every three months. This is the fourth and final report (Read more).
Explore any of the four Money Makeover Sessions:


Debt Solutions   |   Education   |   Financial Strategies


Upcoming Webinars

Couples & Money

November 28, 2013


Learn How to Create a M.A.P. (Money Action Plan)

December 3, 2013


Food & Finance

December 9, 2013


Super Simple Savings

December 14, 2013


Budget Breakers

December 14, 2013


7 Deadly Sins of Credit

December 18, 2013


Irregular Income

December 19, 2013


More Webinars


Smart Money Tips


Stretch your gift giving dollars this holiday season:

- Alternative Gift Ideas

- Gift Giving Planner




This newsletter and are educational outreaches of the Credit Counselling Society, a non-profit service.


To make a free appointment to speak with one of our money coaches call:


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