How to make a budget in 2022

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How to make a budget in 2022

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Budgeting is that one thing most people dread because they think it’s limiting or can be time consuming. However, having a monthly budget can be freeing and helps create a path to financial success. Budgeting is like any other discipline, it takes practice, continuous effort and time to master it and yes, it can be […]

Categories: Credit, Bad Credit, Tips, Spending

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What is the difference between insolvency and bankruptcy?

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Did you know that insolvency and bankruptcy have different meanings? Even though these two terms are closely related and often used interchangeably, they are very distinct! Read on to learn the difference between insolvency and bankruptcy. On one hand, insolvency is a financial state where an individual is unable to make his/her debt payments on […]

Categories: Bad Debt, Bad Credit, Spending

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Will bad credit continue to haunt you?

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Will bad credit continue to haunt you? Well, for the most part it can remain on your credit bureau for six to seven years, and how the credit reporting agency files delinquent or bad debts. Equifax Canada submits from day one when a file is submitted to a collection agency. So maybe your next question […]

Categories: The Right Advice, Credit, Bad Credit

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Simple Steps To Improve Your Credit!

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Simple Steps To Improve Your Credit! Just because something is simple doesn’t mean it’s easy! It’s not easy creating new habits when the old ones seem to be just fine. But when it comes to your credit it may just be those OLD habits that have you tossing and turning in your sleep because of […]

Categories: The Right Advice, Credit, Bad Credit, Tips

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