EmpireOne

Your credit score is one of the most important pieces of your personal financial life. New lenders, credit card companies, employers, and even insurance companies will use your credit score to determine your risk of default. Knowing how a credit score is calculated and how it works is important if you want to take control […]

Your finances play a large role in your mental health and how you feel overall. Too much financial stress can weigh on your mind and affect how you feel. You might not even realize that’s what is causing your anguish either. It takes some soul searching and time to understand why you feel the way […]

If the pandemic taught us anything, it’s that we must be prepared for anything. In the blink of an eye life can change and if you don’t have an emergency fund, you could find yourself in financial distress. If you’d like to find ways to avoid personal bankruptcy or falling behind on your bills, you […]

Everyone with an income pays taxes, but sometimes the CRA offers assistance to those who need it, especially the disabled. If you have a chronic illness or injury that makes it hard to do daily activities, you may qualify for the Disability Tax Credit. Millions of people that qualify don’t realize they do. Here’s everything […]

If you are paying a high credit card interest rate, achieving debt freedom is almost impossible. With interest rates as high as 19.99 percent for purchases and 24.99 percent on cash advances, it’s hard to get out of credit card debt. But, with the right steps, you can reduce your debt by securing lower credit […]

You do not have to navigate your financial goals alone. Many financial professionals can help you achieve financial goals through hands-on support and expert advice. If you are focused on paying off debt, repairing your credit, and building a financial future, a certified credit counsellor may be the right person to help you reach your […]

Bankruptcy in Canada is an alternative many people turn to when overwhelmed with debt and feel like there are no other options available.  Before you consider bankruptcy, it is important to know that there may be other ways for you to manage your debt. Your options may include debt consolidation, debt management, or a consumer […]

The process of repaying debt is difficult and stressful!  Not only is it a financial burden, but it can also cause mental stress and anguish. Canadian households are becoming increasingly indebted. As the cost of living increases, it can become harder and harder to feel like you have your debt under control.  If you’re feeling […]

It’s always a good time to focus on your financial goals. Your finances are an essential part of how you live your life. 34% of Canadians believe that finances control their lives.  It can be challenging to feel like you’re not in control of your life if you have to work hard to make ends […]

A credit card is a valuable and important tool to deal with sudden financial emergencies, reach financial goals, pay off uninvited expenses, and a lot more.  However, the way you use your credit card can influence your financial future. How to deal with this? Herein, we are suggesting the 5 tips to manage your credit […]