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Are Credit Card Points Truly “Rewards” or Are They Costing You?

By Debt.ca on November 6, 2013

Many people see credit card points as rewards, but are they really? It could be that they are actually costing you unnecessary money. Points are very popular promotions offered by virtually every single credit card company on the planet, and they usually allow customers to get free stuff. This could come in the form of…

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Investing in RRSPs vs. Paying Off Debts

By Debt.ca on November 5, 2013

There are a lot of factors to consider when deciding whether or not you should focus on paying off your debt before contributing to your RRSPs, or invest more in RRSPs rather than aggressively trying to pay off your debt first. It’s a difficult decision to make – you want to make sure you have…

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Here’s a Quick Way to Get Focused On Your Goals

By Debt.ca on October 8, 2013

Somewhere in the back of your head, you KNOW that setting financial goals is important. But when you’re struggling with debt or other financial challenges, setting lofty goals may be frustrating more than helpful. After all, isn’t your only goal “I’d like to not be broke”? Fair enough, but the better you get at setting…

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Make More Money #2 – Have a Second Job You Can Be Proud Of

By Debt.ca on September 25, 2013

In the first Make More Money post we talked about how to get started in freelancing. If you read through that and decided that freelancing isn’t for you, don’t worry. A second job might be the perfect solution. In our second Make More Money article, you’ll learn how to make the most of a second…

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Make More Money #1 – What You Should Know About Freelancing

By Debt.ca on September 13, 2013

Getting out of debt requires a lot of discipline. Frequently the advice you hear is to cut spending, cut expenses, cut your lifestyle. What most people ignore is the possibility of just making more money. Sure you can stop buying cappuccinos and cancel your top-tier cable package, but if you could earn an extra $500,…

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Frugal Dating Without The Embarassment

By Debt.ca on September 9, 2013

Whether you are in a long-term relationship or are just getting started with someone new, dating can unfortunately take a large toll on your wallet. The last thing you want to do is be cheap on a date, but that doesn’t mean you should go further into debt just to impress someone. Finding budget-friendly activities…

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How to Shop Healthy on a Budget (Part 1)

By Debt.ca on September 4, 2013

Having to manage a tight budget may make eating healthy seem like an impossible thing to do. With the cost of organic food more than double the standard, it may make the world of healthy eating seem too far beyond what is affordable. Luckily, though, there is an entire world out there waiting for you…

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Looking for Frugal Hobbies?

By Debt.ca on August 30, 2013

You know being in debt is incredibly stressful. While you’re doing everything you can to get out, it’s important to stay healthy and active. Adopting a hobby is an excellent way to stay socially active and learn new skills. Even if you’re struggling with debt, there are many hobbies out there that can be affordable…

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Understanding Compound Interest

By Debt.ca on June 18, 2013

If you feel like your debt is spiralling out of control, it is important to understand the basics of compound interest and the risks of unpaid debt. If you feel overwhelmed by your debt, don’t worry – it is fully within your reach to get a handle on your debt and put a plan in…

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Four Ways to Build Great Credit Without Taking on Debt

By Debt.ca on June 12, 2013

Credit is vital to your financial life. If you manage it well, credit can help you secure financing for a new house, a car, or a business venture. It’s never too early in life to learn about how to manage credit properly; the earlier a person learns how, the more successful his financial life will…

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