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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 2nd, 2018
There are a few different options for paying for goods and services in Canada. Many of us wonder whether it is best to pay with credit, debit, or cash. The payment option you choose...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 26th, 2018
Have you received a call from a collection agency at an odd time of day? Are they constantly leaving you recorded messages? Are they calling you at work or calling your employer or your...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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March 16th, 2018
Credit cards are a very popular and useful payment method in Canada but they can also lead you down the path of debt. Credit cards have been heavily advertised and marketed in Canada since...Written by: Joshua Harris
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March 6th, 2018
While bankruptcy and consumer proposals can release you from the pressure and worry of creditors and debt, your journey is not over. Now that your papers are filed, you need to start rebuilding your...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
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September 20th, 2017
Today’s credit-focused culture has made it almost the norm to owe money on a regular basis. Common thinking is that there is not muchcause for concern if you are making your payments each month....Written by: Joshua Harris
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August 14th, 2017
Many changes to Ontario’s labour and employment laws have recently been announced by Kathleen Wynne’s Liberal government.Written by: Joshua Harris
