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march 2015


learn how to make smarter choices with your money

6 Step Plan to Spring Cleaning & Organizing Your Finances


Organizing personal finances.An important part of keeping your personal finances in good shape and getting yourself out of debt is organizing your finances. With spring now upon us, “spring cleaning” is on a lot of people’s minds, but this concept can apply to more than just your home. It can be applied to your personal finances as well.

Fortunately, organizing your finances isn't as difficult as it sounds. If you're ready to start spring cleaning your finances, these six steps will start you off on the right track.


Wanting to Buy a House? Here are 6 Things No One Tells You

What no one tells first time buyers about buying a house and affording a mortgage.Ever wonder what no one tells you about buying a house? Or maybe you’re house-hunting and wondering how much of a mortgage you can afford? The size of your mortgage, in addition to your down payment, will determine what price range you want to be looking in. And there’s no shame in starting small because there are a lot of overlooked expenses for first time home buyers.

Things you should know include setting your own mortgage limit, how the pre-approval process can help you budget, and why you need as much as 5% extra cash, on top of what you have saved for your down payment.

Read on to learn what no one tells you about buying a home and how it can help you decide how much of a mortgage you can truly afford . . .


Negotiating Your Own Debt Repayment Plan – What You Need to Know First

Creating your own debt repayment plan.Q: I owe almost $30,000 on 3 credit cards and a line of credit. After watching one of those get out of debt programs on TV last month, I decided that it was time that I got my debt under control. When I sat down to figure out how much I think I can afford to pay each month on my debt, I was shocked to find out that it was barely enough to cover the required minimum payments. I asked my credit union if they could consolidate my debt onto my line of credit but they said I would need a co-signer and I don’t want to involve anyone in my financial affairs.  I got myself into this situation and I want to be responsible and work my way out of this mess. I tried to set up my own debt repayment plan with my four creditors and only one creditor was willing to look at lowering my payment and my interest rate. What am I doing wrong? ~ Drew

A: Renegotiating the terms of repayment with your creditors when you’re experiencing financial difficulties can be a very intimidating and frustrating experience. Most people aren’t aware that . . . (Read More)


The Benefits of Filing Your Personal Tax Return

12 Excuses People Make For Not Filing

The dog ate it excuse.Do you dread filing your income taxes? Can you come up with every excuse in the book not to? When it comes right down to it, there are benefits to filing your tax return, even if you end up owing.

The deadline to file personal income taxes is April 30 and even though self employed Canadians don’t need to file until June 15, if you owe Canada Revenue Agency (CRA, formerly known as Revenue Canada) any money, it must be paid no later than April 30 to avoid any penalties.

Are you trying to make up excuses to not file your income tax return? Read more . . . to see if your excuses stack up, stats about average refund rates and new this year, how to track your refund online.



Upcoming Webinars


Budget Breakers

 April 1, 2015

 May 9, 2015


Irregular Income

 April 7, 2015

 May 9, 2015


Super Simple Savings

 April 9, 2015

 May 7, 2015


75 Ways to Save on Household Expenses

 April 14, 2015

 May 5, 2015


Ending the Financial Feud - Couples & Money

 March 31, 2015


Let's Talk Credit

 April 18, 2015

 May 13, 2015


Organize Your Finances in 1 Month

 May 21, 2015


Food & Finance

 April 24, 2015


Retiring Without Debt

 April 28, 2015


Conscious Consumerism

 April 30, 2015


Budgeting 101: 6 Easy Steps to Manage Your Money

 March 31, 2015

 April 22, 2015


Debt Solutions

 April 20, 2015


Conscious Consumerism

 April 30, 2015


Raising Financially Fit Kids

 April 22, 2015


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


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