If you are looking to stay on top of bills and get out of debt it is important to maximise your savings on transportation, walking to all your destinations is the least expensive method. You may also use a bicycle for quick nearby errands, or buses and trains for long distance travel. But you don’t necessarily ...

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If your mortgage is up for renewal and you are drowning in revolving debt, you may find yourself in a real financial jam. Before you dig yourself deeper into debt or start missing payments, consider refinancing your mortgage to pay off credit cards. What is refinancing? Mortgage refinancing is when you take out a new ...

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In North American culture, buying a house is considered one of the more remarkable things someone can do. It shows that a lender was impressed enough to give you a mortgage to fund this expensive asset, and that you were able to save enough money for a down payment. But, how do you manage to come up with a down payment to ...

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Sometimes, life moves so fast, we don’t have time to catch our breath. We leave clothes on our bedroom floor, we miss appointments we forget about, and we let it go too long before reconnecting with old friends. We may even find ourselves in less than ideal financial situations that leave us broke at the end of every month, ...

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Budgeting can be a real challenge and many people fail several times at before they find a one that really works for their unique needs and goals. Here are several tips to help you find the right strategy that will help you spend less than you earn and stick to your budgeting plans. Have a goal in mind Budgeting just ...

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With the economy still recovering and the competition for jobs high, it is pretty common for people to have to take a lower paying job in order to get the life experience they desire. This may seem like a big blow to the family’s finances but, with a bit of preparation, it can be managed. The best way to handle an upcoming ...

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It used to be that Canadians would work most of their lives for the same company before retiring at age 65 with full government benefits and pensions that would meet their needs without additional income. This type of traditional retirement, however, is no longer the norm and, while many Canadians are “retiring” at younger ...

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I always finish my summer holidays with a much lighter wallet then I started with. It can be hard to resist the temptation to spend with and on family and friends, but if you plan ahead, create a budget (and stick to it), and think of money saving ideas, you are sure to have a wonderful (and stress free) summer. Plan ...

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The start of the New Year is the time when millions of Canadians begin to assess their life’s progress and set goals for the coming 12 months ahead. Economic objectives are a popular choice for New Years’ resolutions, as they provide a tangible benefit and, when effective, they can lead to more freedom and ...

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It is all too easy these days to end up deep in debt and feel like you’ll never break free, but there are many ways to improve your financial standing and pay off your bills without declaring bankruptcy. In fact, some simple, long-term lifestyle changes can offer significant long term savings that will help you get back on ...

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