Credit cards

rules of personal finance

The Rules of Personal Finance

A few weeks ago I was watching the movie Fight Club. In one of the scenes, Brad Pitt’s character Tyler Durden was explaining the 8 rules of fight club. If you wanted to be part of the club, you had to follow the rules. It was pretty simple and didn’t need much more explaining, but…

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Beware of excess credit card charges

Credit Card Charges To Look Out For

Over the years, consumers have complained about fees and the government has slowly been addressing the needs of the consumers. This is usually great news for consumers, but when we start to take a look at things a little closer, we realize that some of these fees have just been “hidden”. When it comes to credit card…

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How to build a good credit score

Building a Good Credit Score

I write about debt a lot. It’s not that I particularly enjoy writing about debt, it’s unfortunately just a subject that many people can relate to– Canadians have record debt levels after all. We get so focused on debt, that sometimes we forget about other things, such as having a good credit score. Credit is probably…

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Do you use cash or credit when shopping?

When Should I Use Cash Or Credit?

Cash or credit, it’s the endless debate. Some of us prefer the convenience of credit, but if we’re not careful, we could end up with a ton of debt. On the other hand, cash can help keep our spending under control, but we lose out on the benefits that credit offers. Personally, I prefer to use credits cards…

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Common Credit Card Benefits

Credit card debt is a serious issue but if used correctly those credit card benefits can really work for us. Think about it, assuming we pay our bills in full and on time then technically those benefits are form of payment that the credit card companies make to us. They may come in the form of…

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