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  • Your Credit cards and other lines are all maxed out.
  • You only pay the minimum balance due on credit cards.
  • Once you have paid off a credit card, you immediately start charging on it again.
  • You pay bills and rent with credit cards or loan money.
  • You take cash advances or use credit cards to pay bills or go out.
  • You don’t have any money left over after your bills are all paid for the month.
  • You don’t have any savings or emergency funds set up.
  • You can’t sleep and feel stressed about money.
  • You don’t know how much debt you have.
  • You bounce cheques.
  • You cannot seem to get out of your overdraft.
  • You have been denied credit.
  • Collectors are hounding you.
  • You are lying about money to friends and family.
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Debt in Retirement

Many Canadians in their Golden Years are getting poorer. More Seniors in Canada are carrying debt into retirement, including mortgages, car loans and credit card debt. The debt is often incurred whilst maintaining a pre- retirement lifestyle, using credit due to attractively low interest rates, illness, market losses and some cases, Read More

Payday Loans: Break the Payday Loan Cycle

Experiencing a financial emergency or finding that your pay cheque is simply not stretching to the end of the month and you’re short on cash? Resorting to payday loans is rarely a solution to your financial difficulties. Read on to find out more about payday loans, how you can get caught Read More

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