How to Avoid Money Anxiety

Money anxiety is something that can affect anyone and can show itself in many different forms. The stresses of budgeting, debt, paying for a child’s post secondary or reaching financial goals can all cause money anxiety. How to Avoid Money Anxiety: Address the Stress The first step to decreasing or avoiding your money anxiety is […]

The Positive Emotions of Money

I find, especially in the personal finance niche, to be surrounded by negative connotations about money. I know I’m bad for usually focusing on monetary negatives. When you’re as in debt as I am, it’s hard to see the calm while your within the storm so-to-speak. The world is full of stories about people who […]

Living a Debt Free Retirement

In a perfect world, we enter our years of retirement debt free and ready to enjoy all the fruits of our many years of hard labour. Unfortunately this isn’t always the case. According to a study collected by Statistics Canada, one in three retirees have debt. Though this was a  Canadian study, it is probably safe to […]

Debt Consolidation: Ripoff or Real?

Debt consolidation is topic I know a lot about. My husband and I are currently enrolled in a debt management program, just one of many debt consolidation options. When we first started seeking out different options our emotions ranged from being overwhelmed, angry and finally, relieved. If you don’t do your homework on different debt […]

When Cutting Up Your Credit Card Hurts Your Credit Score

You’re credit score is one of the most important aspects of your financial well-being. Though there are ways other than credit cards to build, repair or maintain your credit score, nothing is as easy as swiping your credit card. A Closer Look at Credit Score Your credit score is a mathematical calculation used by lenders to assess your […]

Teaching Your Teenager About Credit Cards

Teaching your child financial responsibility is one of the most important tools you brace them with. Unfortunately we can’t rely on them learning any financial skills in school so it’s our responsibilities as parents to prepare our kids the best we can. Don’t Become Me I am the perfect example of what can happen if not braced […]

The Lucrative Side of Credit Cards: Are Credit Cards Really That Bad?

In the personal finance niche, credit cards tend to have a negative connotation. There are many stories about people climbing out of what is seemingly insurmountable credit card debt, myself included. If used incorrectly credit cards can be quite detrimental, but they don’t have to be. Education Proper credit card use starts with education. Something I was lacking. […]