EmpireOne

In Canada, everyone should file an income tax return every year. This obligation extends to individuals who live in Ontario and reside elsewhere in Canada.  Filing your taxes should be one of your top annual to-do lists, which is an important one that can impact your financial life. If you live in Ontario, along with […]

The Canada Emergency Response Benefit or CERB helped many people in the pandemic bridge the gap between their wages and living expenses. However, some people who received support payments under CERB later got a collection letter from the CRA. You might have been one of many who received the benefit but did not meet the […]

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, […]

Most people focus on the rate when shopping for a mortgage and forget about other important factors. While the rate is important, the other terms and requirements on your loan matter just as much, if not more when you’re dealing with outstanding debt. A slight increase in your rate won’t make a dramatic difference in […]

Living expenses are the costs to live. You can’t get around them because you need a roof over your head, clothes on your body, proper medical care, utilities in your home, and food on the table. But, you can manage how much you spend on your living expenses so that you don’t end up in […]

Buying a home is a big decision! Whether you are looking for your first home or have gone through the process before, it can be a stressful journey. You need to decide on the best neighborhood, the type of home your family will need – a house, townhome or condo – and of course, what […]

Car payments might be a large part of your budget, but having a car can be necessary for you to get to work or run errands.  Owning a car can be expensive. You have to worry about car loan payments, gas, car insurance, tires and potential repairs.  Between your car loan payments and other expenses, […]

Most people turn a blind eye to debt when buying a car. They know they need a car and there are many fancy options out there. If they qualify for the loan, they assume they can afford it and they drive off the lot in their dream car, with a large monthly or even bi-weekly […]

There’s a difference between setting financial goals and achieving them. Anyone can say they want to save $50K, but do they actually save it? The key to setting financial goals is to make them SMART so that you can actually achieve them. Whether you’re wondering how to get rid of your debt or how to […]

If you are considering filing for bankruptcy, you may have many questions about the process, along with the costs of it.  Bankruptcy is a legal process that can help you get out of debt. When you file for bankruptcy, creditors stop calling and wage garnishments stop.  However, bankruptcy is a major decision that can affect […]