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Starting from Scratch: Learn the Basics of Personal and Family Budgeting

By Debt.ca on June 4, 2013

The word “budget” can make even the most easygoing person cringe. But budgeting doesn’t have to be scary! A budget is the first step toward taking control of your finances, and it is the foundation of a good financial plan. If you’re just starting to budget, it can be a little overwhelming, so take it…

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Managing Your Grocery Spending By “Shopping The Perimeter”

By Debt.ca on May 27, 2013

It’s easy to plan healthy meals, but it can be another story entirely when you walk into the grocery store. Walking down the center aisles, it’s incredibly easy to forget about fresh food and instead be enticed by prepackaged snacks and ready-to-go meals. While these products might seem like a great deal because they’re fast…

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Three Reasons Why Payday Loans Are an Awful Borrowing Choice

By Debt.ca on May 22, 2013

If you’re struggling to pay your bills each month, you might have considered taking out a payday loan. These are short-term loans – usually between $100 and $1,500 – that some individuals take out in order to meet an unexpected payment. However, payday loans should not be your first option if you’re short on cash….

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Here’s How To Save Money While Dining Out With The Family

By Debt.ca on May 17, 2013

If you’re trying to save money but you still want to be able to take your family out for a meal once and a while, your choices aren’t just limited to fast food joints. If you take the time to change some of your habits and become more intentional about the way you eat, then…

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Paying the Minimum Payment on Your Credit Card Does Nothing

By Debt.ca on May 15, 2013

It’s a situation that’s easy to get into: “I’ll just make the minimum payment on my credit card this month and worry about paying off the balance later.” While this can sometimes work as a very short-term solution to a debt issue, this type of philosophy usually gets people into more trouble than it saves…

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Four Cool Budgeting Apps That Will Help You Control Spending

By Debt.ca on May 10, 2013

These days, an iPhone can be more than just a fun toy – it can be a smart investment as well. With the proliferation of personal finance apps, an iPhone can act as a great tool for budgeting and controlling personal spending. Here are four top budgeting apps that will help you get the most…

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Summer’s Coming – Five Ways To Save While Still Enjoying the Sunshine

By Debt.ca on May 8, 2013

Being on a tight budget doesn’t mean that you can’t enjoy yourself and do fun things this summer. In fact, being on a budget can be an advantage! You’ll discover fun ways to pass the time that you might not have considered before, and you’ll be able to save money at the same time. Below…

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What It Means To Be In Debt

By Debt.ca on March 18, 2013

Every few months there’s a report on the news telling us what the average debt-to-income ratio is in Canada. This number is used, in theory, to tell people just how bad their debt level is and, on a larger scale, to help analysts determine just how precarious our national financial situation is. Calculating Your Debt-To-Income…

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Emergency Funds – How To Calculate What You Need

By Debt.ca on March 11, 2013

We’ve written before about the importance of having an emergency fund, but while we’ve talked about WHY they’re important to have, we haven’t really gone into the details of how much you need to save. Emergency Fund – A Good Beginning Most advice about building an emergency fund says you should have between 3 and…

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Are Student Loans Really Good Debt?

By Debt.ca on March 6, 2013

Last week in our article about good debt and bad debt, we mentioned student loans as an arguably good debt. Today we’ll take a closer look at student loans and make sure the price is really worth the cost. There is an underlying assumption made about higher education. That assumption is that you need a…

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