EmpireOne

As inflation rises, the cost of living also rises. Prices are indeed increasing daily. Even if you don’t change a thing about your spending, the cost of maintaining the lifestyle you’re accustomed to will keep spiking. Take advantage of some easy strategies to stretch and conserve your income in your daily life to resist inflation. […]

Earning a college degree is an excellent way to further your education and expand your job opportunities, but it can also result in some of the most expensive debt you could incur. It might be tempting to use a credit card to start charging your tuition when the time comes. In theory, this is a […]

Heard of the term “Zero-based budgeting” before? While it was introduced in the 70s as a management technique for firms and organizations trying to minimize costs to make more profits, it continues to be an essential form of budgeting that works well for personal budgeters and small company owners. Zero-based budgeting may sound complex, but […]

A housing bubble is always a threat in the housing industry and the pandemic made it so much worse. Before it was a far-fetched threat whereas now, it’s reality. The housing bubble continues to grow which makes it hard for both sides of the equation – buyers and sellers. Here’s what you should know. What […]

Most people dread tax season. You might think that filing your taxes is a hassle, and it’s easy to feel overwhelmed and stressed out during this time. However, it is a necessary task that we should complete each year.  While most of us view filing our taxes every year as an obligation or a chore, […]

Your 20’s are a time of great opportunities and learning. You have your whole adult life ahead of you. If you are a young adult in your 20s, paying off debt may seem like a daunting task.  It might be the first time you are responsible for making rent, buying groceries, and paying for the […]

If you’re looking to find relief from your student loan debt, you might have considered filing for bankruptcy.  While filing for bankruptcy can help you find a way out of debt, it may not be the most appropriate option if you have student loans.   There are limited options to discharge student loan debt completely, especially […]

There are two main ways to make money. The first is to work for an hourly wage or salary. This is called working for your money and it’s how the majority of the population earns income. The second way to earn money is to invest your money in a place where it can grow and […]

COVID-19 is more than a physical illness, it has affected millions of Ontarians financially too, both personally and in business. Understanding its effects and what supports are available is important as we continue to work our way through the pandemic. How Personal Finances are Affected Midway through the pandemic, many Candadians (60%) felt they were […]

Before you take out any loans or credit cards, you should understand the difference between secured and unsecured debt. One requires collateral and the other doesn’t, but they both can affect your credit score negatively if you aren’t careful. Whether you need a debt reduction or you are thinking about taking out new credit, understanding […]