Gain valuable financial education from our Licensed Insolvency Trustees, covering essential topics such as budgeting, saving, and smart spending.
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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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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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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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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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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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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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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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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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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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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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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
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February 1st, 2018
Choosing a future career is the first major decision most Canadians face when they reach early adulthood. Like most students, if you are pursuing your studies you may require some financial assistance, even if...Written by: Joshua Harris
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January 25th, 2018
Many people use a debit card when they pay for goods and services. Introduced in Canada in 1994, debit has already surpassed cash as the preferred payment method. A debit card is linked to...Written by: Joshua Harris
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January 18th, 2018
Few drivers review their automobile insurance policy annually to ensure they are getting a competitive rate. It takes some extra time, but reading up on insurance and getting a competitive quote at renewal time...Written by: Joshua Harris
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January 11th, 2018
Any savvy corporation wants to make more money than it spends. However, the reality is that the business world is extremely competitive, profit margins in almost every traditional business are at an all-time low...Written by: Joshua Harris
