Gain valuable financial education from our Licensed Insolvency Trustees, covering essential topics such as budgeting, saving, and smart spending.
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How to know you have too much debt and need help
December 5th, 2018
Living with debt can become a way of life—if you’re not careful. Think of debt like a hurricane. At first, you know you’re in trouble, and you try to weather the storm, doing whatever...Written by: Joshua Harris
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Can I Keep My House and Car if I Go Bankrupt in Ontario?
November 22nd, 2018
There is no quick answer to this question as it depends on a lot of different factors, including how much you owe, how much equity is in your home or car, and their current...Written by: Joshua Harris
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Why Is Debt So Dangerous?
November 12th, 2018
There was once a couple who made a lot of combined income. Both the husband and wife were doctors, and with such a large income all their financial concerns should have been over.Written by: Joshua Harris
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How to consolidate your debt
August 28th, 2018
People often wonder, how can I consolidate my debt so I don’t pay such high interest. There are a few ways to accomplish this. The first option for a person to...Written by: Joshua Harris
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HOW TO HOLD THE MOST SUCCESSFUL GARAGE SALE ON THE BLOCK
August 7th, 2018
After rent, groceries, gasoline, and a quick trip to the movies, you discover that you have little more than nothing in your bank account. You need a little extra cash, but you have a...Written by: Joshua Harris
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Leasing a car is not necessarily cheaper than finance
July 24th, 2018
For many consumers, deciding whether to lease or finance a vehicle depends on a number of personal and financial factors. Both methods enable you to acquire a vehicle for a period, with car leasing...Written by: Joshua Harris
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Understanding Debt Servicing Costs
July 3rd, 2018
After many years of tackling high-deficit spending, federal and provincial governments are dealing with hundreds of billions of accumulated government debt. Since the 2008 recession, the national debt has increased $150 billion and the...Written by: Joshua Harris
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Doing away with the good debt mindset
June 26th, 2018
Mortgages, investment loans, and student loans are viewed by many as “good debt.” These debts have historically had positive returns associated with them, as they build your wealth, which then helps to improve your...Written by: Joshua Harris
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Tips on How to Manage Your Student Debt and Loans
June 5th, 2018
While post-secondary students often aren’t certain about the career path they want to take, many know they want to attend a particular college or university and that a Canada Student Loan can help fund...Written by: Joshua Harris
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Is Downsizing Right for You?
May 29th, 2018
It is common to consider downsizing as a plan that suits your long-term needs. If you are approaching retirement or already in retirement, the question of downsizing may be something you have considered. If...Written by: Joshua Harris
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WHAT’S BEST? BANKRUPTCY OR DEBT CONSOLIDATION IN THE GREATER TORONTO AREA
April 9th, 2018
After you’ve reworked your budget, cut back on unnecessary expenses, and done everything else you can to bring your personal finances under control, sometimes your only option is to take more extreme measures. Getting...Written by: Joshua Harris
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VACATIONING ON A BUDGET (SUMMER IS JUST AROUND THE CORNER!)
April 1st, 2018
For people with budget constraints, a full-blown vacation is probably out of reach. Luckily, Toronto residents have the option to take shorter vacations on weekends and day trips. Use these vacation ideas below to...Written by: Joshua Harris
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Are You Considering a Pay Day Loan?
March 22nd, 2018
Did you know that payday loan interest rates can be 400% per year or more? Unfortunately, a lot of clients that we have met with have got themselves in pretty deep with the dreaded...Written by: Joshua Harris
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Can I own a vehicle in trust, while bankrupt?
February 28th, 2018
This is an interesting question that I was asked by a debtor recently. She has a disabled daughter that requires a vehicle to provide special mobility services. When buying the car, she used her...Written by: Joshua Harris
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Buying, trading, selling your car? Read this first.
February 14th, 2018
I have been to many new and used car dealerships and even with my substantial background in finance and debt, I remain surprised at the financial mirage that some salespeople use to make a...Written by: Joshua Harris
