Do I have to be delinquent on my accounts to file for Bankruptcy?
There is a misconception that you have to be behind on your bills in order to file for bankruptcy. You do not. One might ask, “Why would a person declare bankruptcy if they are...
Doctor Debt Blog
Why Ratios Don’t Matter…
CTV recently posted an article about Debt to Income Ratios citing that household debt grew faster than income. In addition, Statistics Canada recently released stats stating that not knowing your debt-to-income ratio could come with consequences...
The Story of Sally Spender and Carl Credit
I have a weekly radio show ~ Money Matters with Mary Ann ~ every Thursday night on our local radio station 88.7 Cove FM (tune in anytime! Listen live @ www.covefm.com) 🙂 …. I...
The Stories We Tell Ourselves…and Why We Need to Stop
It’s easy to justify just about anything if you want to badly enough. When it comes to our finances there are a handful of stories we all tell ourselves to take away the guilt...
New Year! New Finances!! New Method?
I decided to do something a little different for my “Kick off the Year Post”. I decided to consult the cards. “The Cards” being my trustworthy Wisdom of the Oracle Deck. When I am...
What is the best way to track expenses?
If you follow my blog, or any of my other social media activities, you will definitely pick up on a common theme … I am a huge advocate on tracking expenses. Why? Because I...
How to stop paying your debt and avoid unnecessary stress
I will be the first to admit that the above title is a bit confusing. And I am certainly not being an advocate for those who simply choose not to pay back money they...
6 Easy Steps to Spring Clean your Finances
Ah! Spring! Such a wonderful time of renewal. You just feel like your coming alive! The heck with New Years Resolutions, spring is a much more motivating time to make changes. So why not...
How prepared are you to survive an increase in interest rates?
We have been enjoying record-low interest rates for years. And we are getting a little spoiled. And a whole lot complacent. It is inevitable that interest rates will rise. Everything is cyclical – it...
10 Steps to protect your finances against dangerous changes
If there is one thing that is certain in life, it is that things always change. The most dangerous place you can be financially is complacency – getting too comfortable with the way things...
The 6 most important lessons I learned last year
As I prepared to do my first radio show for the year (In case you’re curious I’ve put the details at the bottom of this post), I was reviewing the most important points that...