American Express Gold Rewards Card Review

American Express Gold Rewards Card Review

The American Express Gold Rewards Card recently went through a major refresh. Although the card now has a higher annual fee, you get a travel credit and additional benefits. In the end, you actually come out ahead without having to pay more. Plus, the card is now metal and comes in two colours: Gold and…

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Scotiabank Momentum VISA Infinite Review

Scotiabank momentum visa review

Talk to any person with knowledge about Canadian credit cards and they’ll tell you that the Scotia Momentum Visa Infinite card is the best cash back credit cards in Canada. What makes this card so popular is the fact that the rewards are simple, easy to earn, and even easier to redeem which makes it…

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What Happens if I Don’t use my Credit Card?

What Happens if I Don’t use my Credit Card

With increased debt loads across the country, many Canadians, including millennials, have decided to start using cash and debit more. But that brings up an interesting question. What happens if I don’t use my credit card? It really depends on our individual situation. In theory, we’ll spend less since research has found we spend less…

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Building a Good Credit Score

How to build 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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Debt Repayment Options

There are many debt repayment options

The stress of owing money can keep anyone up at night, fortunately, there are different debt repayment options that can help you pay down your debts faster than you might think. A young professional, in theory, should have an easier time paying off student loans, and credit card debt. However, someone who has abused credit…

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When Should I Use Cash Or Credit?

Do you use cash or credit when shopping?

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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Peer-To-Peer Lending Comes To Canada

Peer to peer lending

**Money We Have has NO association with any peer-to-peer lenders. There are websites linking to this page that imply that we’re connected, but this is not the case. The below article is strictly for educational purposes. I do not endorse any peer-to-peer lender or payday loan company. Social trends are changing the way we do…

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