Episodes
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Credit cards come with the promise of convenience, flexibility, and rewards, making them an essential tool for many consumers. However, the flip side of this convenience is the potential for debt accumulation, especially when only the minimum payments are made each month.
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As Canadians approach retirement, the dream of living those years free from financial burdens becomes increasingly important. However, the reality for many is that they enter retirement carrying debt, which can significantly impact their lifestyle and peace of mind.
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Episodes manquant?
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Ă mesure que les Canadiens approchent de la retraite, le rĂȘve de vivre ces annĂ©es sans contraintes financiĂšres devient de plus en plus important. Toutefois, la rĂ©alitĂ© pour beaucoup de personnes est qu'elles arrivent Ă la retraite avec des dettes, ce qui peut avoir un impact significatif sur leur mode de vie et leur tranquillitĂ© d'esprit.
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Debt can feel like a never-ending weight on your shoulders, especially as the cost of living continues to rise. Interest rates have gone up, everyday essentials are more expensive, and for many Canadians, incomes havenât kept pace with inflation.
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Managing debt is already stressful enough without the constant pressure from collection calls. It often starts with reminders about overdue balances, but before long, it can escalate to intimidating threats, claims your wages will be garnished, your credit ruined, or even that your assets could be seized. As a result, you may feel trapped.
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La gestion de nos dettes peut ĂȘtre suffisamment stressante sans devoir subir la pression des appels de recouvrement. Cela commence souvent par des rappels concernant des soldes impayĂ©s, mais la situation peut rapidement dĂ©gĂ©nĂ©rer en menaces plus sĂ©rieuses, comme la saisie de votre salaire, la dĂ©tĂ©rioration de votre cote de crĂ©dit, ou mĂȘme la saisie de vos biens.
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As 2025 begins, Canadians are entering the year with growing concerns about their personal finances. Despite declining interest rates, the latest MNP Consumer Debt Index reveals a steep 10-point drop to 79, marking the second-lowest level since its inception in 2017.
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Vivre avec un seul revenu peut sembler accablant, tout spĂ©cialement lorsque vous avez des dettes Ă gĂ©rer. Cela donne lâimpression quâil nây a aucune façon dâĂ©pargner ou dâinvestir, mais avec une planification rĂ©flĂ©chie et de la dĂ©termination, vous pouvez prendre le contrĂŽle de vos finances.
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Living on a single income can feel overwhelming, especially when you have debts to manage. It might seem like thereâs no way to save or invest, but with some thoughtful planning and determination, you can take control of your finances.
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Did you know that 38% of Canadians identify money as their biggest source of stress? Moreover, 35% report that financial stress is causing them to experience anxiety, depression, and other mental health challenges.
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Imaginez ceci : vous venez de vous inscrire dans une salle de sport, dâacheter une propriĂ©tĂ© en multipropriĂ©tĂ© ou de souscrire Ă un nouveau forfait, persuadĂ© que câĂ©tait une excellente idĂ©e. Puis, des doutes sâinstallent. Ce sentiment est connu sous le nom de remords de lâacheteur, et il est bien plus frĂ©quent quâon ne le pense.
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Imagine this: youâve just signed up for a gym membership, bought into a timeshare, or switched to a new service plan after someone convinced you it was a good idea. Now, youâre having second thoughts. Itâs called buyerâs remorse, and itâs more common than you might think.
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The holidays are a time for gathering with friends and family, sharing laughter, and creating memories. But hosting a holiday party can get expensive, especially with rising costs these days. Thankfully, you donât need to spend a fortune to throw a memorable celebration.
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Debt can be a double-edged sword. On one hand, it can be a valuable tool to build credit and achieve financial goals, like buying a home or pursuing higher education.
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L'endettement peut ĂȘtre une arme Ă double tranchant. D'une part, il peut s'agir d'un outil prĂ©cieux pour dĂ©velopper le crĂ©dit et atteindre des objectifs financiers, comme l'achat d'une maison ou la poursuite d'Ă©tudes supĂ©rieures.
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The latest MNP Consumer Debt Index rises to 89 points as lower interest rates improve financial outlook. But the cost of living is forcing Canadians to make some tough sacrifices.
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What is âFinancial Literacyâ? In the simplest terms, financial literacy is understanding how money works. It's about grasping the basics of budgeting, saving, investing, and managing debt.
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Quâest-ce que la « LittĂ©ratie FinanciĂšre »? En termes simples, la littĂ©ratie financiĂšre consiste Ă comprendre le fonctionnement de lâargent. Il sâagit de comprendre les bases de la budgĂ©tisation, de lâĂ©pargne, de lâinvestissement et de la gestion des dettes.
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Checking your credit score regularly is an essential step in managing your financial health. Your credit report is a comprehensive summary of your credit history, detailing information like payment history, credit accounts, outstanding balances, and any accounts sent to collections due to non-payment.
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Vivre un divorce ou une sĂ©paration peut ĂȘtre un dĂ©fi Ă©motionnel et financier, et l'un des aspects les plus complexes est la gestion des dettes. Tout comme les actifs, les dettes doivent ĂȘtre examinĂ©es. Le partage des dettes peut soulever de nombreuses questions quant Ă la responsabilitĂ©, en particulier lorsque l'un des conjoints ou les deux ont du mal Ă les rembourser.
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