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july 2015


learn how to make smarter choices with your money

8 Things You Can Do in 1 Weekend to Save Money on Your Household Bills

Saving money on home expenses.Whether you’re a renter, new to home ownership, or a seasoned pro, it’s wise to watch out for quick and easy tips that will save you money on your household bills and expenses. However, the problem with some home improvement lists is that it takes too much time and/or money, both of which can be in short supply, to implement the improvements.

Being responsible for a home and saving money on bills and expenses, whether you own it or rent it, means finding ways to balance true home improvements with changes to how you do things.

Here is a list of 8 things you can do in one weekend to start saving money right away. . .


3 Money Mistakes People Make When They Have Too Much Debt & How to Solve Them

Woman suprised by money mistakes.When you have so much debt that it feels like you're treading water every month, it can be tempting to do what might seem like a good idea at the time, but which could come back to bite you later.

Here are 3 money mistakes many people make when they are in a lot of debt, why they aren’t good ideas, and what to do instead (click on any one of these to find out more):

  1. Ignore your bills because you’re broke and have no money to pay them
  2. Apply for more credit to borrow your way out of debt
  3. Robbing Peter to pay Paul - Using one form of credit to pay another

Read the article

7 Steps to Saving Money in an Emergency Fund

A life saving ring and coins representing emergency savings.Emergencies and unexpected expenses can strike when you least expect, and it's for this reason that saving money in an emergency fund is essential to good personal finance.

We can't always be prepared for the physical or emotional challenges life hands us, but we can be prepared to handle the bills. Here's how you can start building an emergency fund, so you'll be able to handle the financial challenges life throws your way.


How to Start Planning for Christmas in July Avoid Financial Problems with Large or Unexpected Expenses

Christmas planning avoid financial problems.Do you ever wonder how you can manage big, unexpected expenses like Christmas better so that you don’t need help with debt later on? Always feeling like you’re behind with your debts, that you have financial problems, or playing catch up with maxed out credit cards, is stressful. However, July is a great time to turn your money management around; start planning for Christmas now because it’s an expense you can easily predict - you know for sure that it’s coming. Learn more



Upcoming Webinars

Debt Solutions

 July 22, 2015

 Aug 24, 2015


Retiring Without Debt

 Aug 7, 2015

 Sep 29, 2015


Living on a Fixed Income

 Aug 10, 2015

 Oct 30, 2015


Let's Talk Credit

 Aug 13, 2015


Irregular Income

 Aug 15, 2015


75 Ways to Save on Household Expenses

 Aug 18, 2015


Budget Breakers

 Aug 20, 2015


Budgeting 101: 6 Easy Steps to Manage Your Money

 Aug 24, 2015


Planning for Your New Arrival

 Aug 24, 2015


Financing Basics

 Aug 26, 2015


Christmas Without Credit

 Aug 27, 2015


Ending the Financial Feud - Couples & Money

 Sep 9, 2015


Raising Financially Fit Kids

 Sep 19, 2015


Food & Finance

 Sep 19, 2015


Homeowner Basics

 Sep 21, 2015


Organize Your Finances in 1 Month

 Sep 23, 2015


Conscious Consumerism

 Sep 17, 2015


Super Simple Savings

 Oct 17, 2015


Planning for Post Secondary School

 Oct 28, 2015


More Webinars


Smart Money Tip


Feeling uneasy about your finances is one early warning sign of financial trouble that you shouldn't ignore. Read on for more. . .




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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