Category: Personal Finance

Welcome to this comprehensive guide on capital gains tax when selling property in Canada. If you’re a property owner thinking about selling, it’s important to understand the tax implications to maximize your profits.  By knowing the ins and outs of this tax, you can make strategic decisions that will minimize the amount of tax you […]

Buying a home is a dream for many, but saving for the down payment can be daunting. However, saving enough money for your dream home is possible with the right approach and determination. In this article, we will be discussing 9 easy down payment-saving tips for first-time home buyers. From creating a budget to reducing […]

Paying a mortgage can be daunting, especially if you are on a tight budget. However, there are ways to pay it off faster without getting penalized. With the right strategies, you can significantly reduce the time and money spent on your mortgage. This article will teach you how to pay-off your mortgage quickly and effectively […]

When considering refinancing your mortgage, weighing the potential benefits and drawbacks is essential. While refinancing can result in lower monthly payments, longer amortization periods, and cash access,  it’s critical to recognize that it may not always be the best financial decision. There are several reasons why mortgage refinances might not be the right choice. Including […]

Are you struggling with high-interest credit card or personal loan debt? If so, you’re not alone. Many people find themselves in a similar situation, but there is a way out. Debt consolidation is a tactic that can help you get out of debt faster and save you money on interest. This guide will explore the […]

Your credit score shows lenders whether or not your spending habits can be trusted. A person with a high credit score can expect to be given special treatment and be offered loans that you likely will not see anywhere else.  With that said, it can be challenging to figure out how best to raise your […]

Bad credit can be a barrier to entry to all sorts of things. It can make it harder to buy a car, buy property, and secure any loan with favourable rates.  If you’re finding it hard to make the financial moves you want because of your credit score, it’s probably a good idea to start […]