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january 2015


learn how to make smarter choices with your money

How Much Debt is Too Much?

Guidelines for Managing Debt


How much debt is too much Canada.Do you want to have a new car, a new home, luxury vacations, a great wardrobe, a big screen TV and maybe some nice toys or expensive jewelry? Who doesn't? There's nothing wrong with having these things if you can afford them, but what does being able to "afford" the payments really mean?


It can be hard to tell when you’re in over your head. Here are 3 ways to tell if you're close to being maxed out or to being turned down the next time you apply for credit:

  1. What the banks say is too much
  2. What your budget says is too much
  3. The simplest way to see if you have too much debt

Read more . . .

Strategies to Manage Debt Well & Become Debt Free Faster

A sign showing good, better, and best financial choices.Going through life with a certain amount of debt is a reality for most people. Debt can help us get an education, buy a car, own a home, or expand our business.

When you manage your debt well, it is a stepping stone that enables you to improve your life and accomplish your goals. However, if you let debt get the upper hand, rather than move you forward, it becomes a stumbling block that holds you back.

If you would rather have debt as a friend than a life-long foe, we have some helpful resources for you.

8 Ways to Save Up a Down Payment for a Home (or Any Other Big Purchase)

Strategies and methods to help people save money for a home.There are many great ways to save for a home, so we have put together a list of what we think are the 8 best ways you can save up for a house.

Although we say that these tips are for saving for a home, many of them can be used to save up a big chunk of change for almost any purpose—a car, an RV, a vacation, paying off your debts or saving for retirement.

Many people find that once they achieve their first goal, they keep on following these strategies to help them achieve other financial goals as well. Success breeds motivation, so here’s how to save and reach your financial goals . . .

7 Steps That Will Help You Build a Budget That Works

7 steps budgeting workbook cover image.Think back to your very first pay cheque – paper route money, babysitting income or a cheque from a part–time job. Did it come with instructions?

Instructions seem to be included with the simplest devices these days, and yet, with something as important as our pay cheques, we’re left to figure it out on our own. No one is born with money management skills. By the time we’re adults, we are expected to be able to manage our money effectively; however few of us are taught how.

Now is your chance to learn as we show you 7 steps to build a budget that really works. Here are the steps we cover:

Step 1: Set Goals
Step 2: Identify Income and Expenses
Step 3: Separate Needs from Wants
Step 4: Design Your Budget
Step 5: Put Your Plan into Action
Step 6: Manage Seasonal Expenses
Step 7: Looking Ahead

Read more . . .


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Upcoming Webinars


Budget Breakers

 February 12, 2015

 March 5, 2015


Irregular Income

 February 10, 2015

 March 9, 2015


Super Simple Savings

 February 4, 2015

 March 11, 2015


75 Ways to Save on Household Expenses

 February 2, 2015

 March 14, 2015


Couples & Money

 March 31, 2015


Let's Talk Credit

 February 26, 2015


Organize Your Finances in 1 Month

 February 20, 2015

 March 17, 2015


Food & Finance

 March 14, 2015


Retiring Without Debt

 February 23, 2015


Conscious Consumerism

 January 30, 2015

 February 21, 2015


Budgeting 101: 6 Easy Steps to Manage Your Money

 January 27, 2015

 February 25, 2015


Debt Solutions

 January 27, 2015

 February 25, 2015

 March 3, 2015


Conscious Consumerism

 January 30, 2015


Raising Financially Fit Kids

 February 18, 2015


More Webinars


Smart Money Tip


This is the perfect time of year to get your finances on track. Start by tracking your expenses for 2 weeks to see where your money is going, and then create a spending plan to get and keep yourself on track.




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


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