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So far exelby has created 17 blog entries.

When should I seek debt relief?

Get a Fresh Start by Seeking Debt Relief. Debt relief can take many forms. As soon as you start experiencing any sort of financial struggle, you should reconsider your monthly budget and assess how your money is being spent. If your financial struggles are already something you can’t manage by yourself, you should [...]

2018-02-09T19:53:52+00:00 February 9th, 2018|

5 Easy Ways to Save

Where does my money go? Do I have enough income to cover my monthly expenses? How can I save more? These are a few of the questions you may ask yourself every month. The best way to answer this is by tracking your monthly spending. Tracking every dollar you spend each month for [...]

2018-01-17T01:09:41+00:00 December 19th, 2017|

Surviving the Holiday Season on a Budget

Being on a Budget doesn’t have to Lessen the Fun. The holidays are a time to celebrate! They are also a time to be financially prepared for your upcoming expenses since costs can add up. Expenses may include traveling, replacing items in the home, gifts, dinners and so much more. It may also [...]

2018-01-17T01:14:35+00:00 October 25th, 2017|

Debt: Then vs. Now

A Comparison of Bankruptcy & Proposal from 20 years ago. Canada has seen a significant increase in personal debt load over the past 20 years. Driven by profit that financial institutions earn, it has become significantly easier to obtain credit through a variety of sources: banks, finance companies, payday loan companies, auto financing [...]

2018-01-17T01:15:11+00:00 September 15th, 2017|

Don’t Let Back to School Get You Down

Back to School Financial Stress. Each year when children go back to school, we seem to get barraged with additional expenses. There are tuition and school fees, supplies to purchase, lunch fees, and even school trip fees. In addition, there are costs for bus passes, clothing, back to school haircuts, perhaps medical or [...]

2018-01-17T01:15:42+00:00 August 22nd, 2017|

How to Help Your Children Cope with Financial Difficulties

Keep Your Family Informed. Debt and other financial difficulties can take a significant toll on your personal well-being. However, if you have a family, that toll only becomes heavier. You worry about providing for your family members, and you worry about their happiness. They will notice your stress, and they will notice that [...]

2018-01-17T01:16:34+00:00 February 26th, 2017|

Overcome a Low Credit Score and Secure Your Mortgage

Secure Your Mortgage Faster. For many families, there is one thing that stands in the way of getting a mortgage on a beautiful new home: a low credit score. However, all is not lost. Though there may be a few twists and turns, it is possible to get on the road to home [...]

2018-01-17T01:17:06+00:00 January 16th, 2017|

Debt Got You Down? Get Up and Out!

Moving Past Debt. Less is not always more. The weight of IOU’s on your shoulder can be a heavy burden to bear. When it comes to battling debt, your strongest ally is a positive attitude. But how can you stay positive when you’ve got collectors calling, arguments ensuing, and no resources for help [...]

2018-01-17T01:17:53+00:00 December 4th, 2016|

Tips for Saving Money

How to Start Saving Money It has been said that the man who never has money enough to pay his debts has too much of something else. That “something else” could be different things for different people, whether it’s too many belongings, too big of a house, or too much credit card debt. [...]

2018-01-17T01:20:59+00:00 November 15th, 2016|

Understanding Your Credit Score

Why Credit Score Matters The next time you apply for a store credit card or look into refinancing for your home, first ask yourself, "Is my credit score all it could be?" Of course, if you don't really understand what a credit score is or why such a thing matters to begin with, [...]

2018-01-17T01:25:03+00:00 October 10th, 2016|