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When you’re looking to improve your credit score, whether it’s to secure a better mortgage deal or simply access funds to get your finances back on track, you’ll be faced with a lot of advice. Unfortunately, not all of this advice is accurate. There are a lot of common misconceptions and myths about what does and doesn’t affect your credit score, as well as how to fix it. Myth 1:...
When was the last time you had no money left? I mean that literally. NO MONEY. Nothing in your bank account. Nothing in your wallet. No emergency $20 hidden under your mattress. Nothing in a piggy bank or the cup holder in your car. Nothing until payday – which could still be days or maybe even weeks away. While I hope that no one is ever in this situation, I...
I find dimes on the ground all the time. Especially since they phased out the penny a few years back, here in Canada. Occasionally I’ll find a nickle or a quarter. But 99% of the time, I find dimes. Exciting stuff, I know. My husband always humours me when I proudly announce that I found another dime that day. And I get it. It’s 10 cents. If I saved up...
Imagine yourself waking up on a Monday morning. Do you jump out of bed with a smile on your face, excitedly anticipating the work-week ahead of you? Or do you lay there as your alarm goes off, seriously contemplating just rolling over and going back to sleep? Maybe you’re already counting down the minutes until the clock strikes 5 pm on Friday. Hopefully your answer is closer to the first...
If you are unemployed, you need to financially survive this trying time. Your new full time job is to find a job. Unfortunately, looking for work is a “job” doesn’t pay anything. Not having any income is a serious problem. And a major cause of stress. How are you going to keep a roof over your head? Or food on the table? Making your finances a priority matters now...