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Saving Money vs. Paying Off Debt: Which Should You Do First?

Deciding whether to save money or pay off debt first is a common dilemma for many individuals. Both strategies offer significant benefits, but the best approach depends on your unique financial situation. This guide explores the advantages and disadvantages of each option, helping you make an informed decision that aligns with your financial goals.Understanding Your […]

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Buying your first home

First-Time Home Buyer’s Checklist: Financial Planning and Unexpected Costs

Buying your first home is an exciting milestone, but it also comes with a variety of financial commitments that first-time buyers may not fully anticipate. Beyond the sticker price, several hidden costs can sneak up and create unexpected strain if you’re not properly prepared. Whether you’re just starting your search or already saving for your

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Using Investments to Get out of Debt

The average Canadian was in about $20,000 of non-mortgage debt in 2021, according to Equifax Canada. This means that the everyday spending of many Canadians is outpacing their income by a significant amount. There are all kinds of strategies for tackling debt, including various ways you can budget your earnings and other approaches for paying down

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Using credit cards should only be a last resort

As a responsible adult and father, I understand the importance of budgeting, saving and living within my means. But no matter how hard I try to be financially responsible, there are times when it’s impossible to stick to my plan. In these situations, I know that using a credit card should only be a last

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Your Action Plan To Protect Your Freelance Business

The global pandemic has affected everyone in a lot of ways, especially when it comes to work. Some of the hardest hit have been freelancers, many of whom are only now beginning to recover.Research has shown that the pandemic has had a negative impact on 67% of freelancers, while 60% have experienced a decrease in

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