exelby

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So far exelby has created 22 blog entries.

How To Build Credit as a Student

Building credit while going to school Building credit as a student is an important start to your financial future. Credit cards are offered to students by most financial institutions at no cost. Keeping a good credit score as a student will result in positive reports in the future and the credit bureau. This [...]

2018-11-14T16:41:00+00:00 October 31st, 2018|

Choosing the Right Credit Card

There are dozens of credits cards in the market, but which one is right for you and your spending habits? First and foremost, identify your needs and spending habits. Do you have a lot of expenses? Are these expenses being paid on a credit card? Could you cut down your spending  on unnecessary [...]

2018-10-16T10:28:24+00:00 September 19th, 2018|

Finances and Shutting Down a Business

Shut Down your Business Properly to Avoid Further Financial Troubles Starting a new business can be a risky venture that may involve a lot of sacrifices. Sometimes a new business may not work out for a variety of reasons, and shutting down is the only feasible option. As difficult as the decision may be, [...]

2018-08-10T19:54:37+00:00 May 24th, 2018|

What to Look for When Choosing a Credit Company

Being in debt can be overwhelming and stressful. It may also hinder your ability to seek proper help that is right for you. Due to the feeling of panic and sense of urgency to get your financial situation straightened, you may fail to do your due diligence when looking for a debt repair [...]

2018-08-10T19:55:20+00:00 April 4th, 2018|

Tips to Pay Off Student Loans

Congratulations! You’ve completed University. Now that you’re done going to school you should be proud of yourself – a diploma or degree is a hard task! Before you start stressing about getting the “perfect job”, you should take some time to reorganize yourself including your finances, so you’re better prepared and informed for [...]

2018-08-10T19:57:24+00:00 March 12th, 2018|

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 [...]

2018-08-10T19:58:06+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 [...]

2018-08-10T19:59:45+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 [...]

2018-08-10T20:00:54+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 [...]

2018-08-10T20:02:35+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 [...]

2018-08-10T19:52:44+00:00 August 22nd, 2017|