Credit Canada

✨ Check off these to-dos and your 2025 financial self will thank you! ✨ Although it may not be feasible to complete ALL of these items (but if you can, go for it!), even checking off one or two can make an impact on your finances. For example, you could save ~$100 a month just on cancelling subscriptions you don't even use! This year we'll be posting more personal finance tips than ever, so be sure to follow so that you never miss a post. #2025 #newyearsresolutions #financialplanning

💖 Even when money is tight, there are countless ways to make a positive impact. From volunteering your time to offering a simple act of kindness, every little bit helps. Comment your favourite ways to give back while on a budget below! ⬇️⬇️ #Giveback #donation #budgetingtips

It can be really hard to be present to all of the good things that come with the holidays when you have debt hanging over you. We're here to help. Give yourself the gift of support this season by reaching out for help with your debt. Our credit counselling services are free, confidential, and non-judgemental. Visit https://hubs.la/Q030xGSg0 to learn more. #debt #debtmanagement #debtfreejourney

How did we help this client reduce their interest rate from a staggering 47.9% to just 9%? The short answer: Through a debt consolidation program. The long answer: While the program is what directly lowered the interest rate, there's so much more involved in supporting our clients financially. This client wasn’t just battling a high-interest payday loan — they were also carrying the weight of the shame that often comes with debt. At times, debt can feel isolating, but reaching out to a certified non-profit credit counselor can make all the difference. We offer an empathetic, supportive, and completely judgment-free environment where clients can feel safe enough to take their first step toward financial relief. This is why we’re here — not just to lower interest rates, but to help people regain control of their finances and their peace of mind. Read more client testimonial here: https://lnkd.in/e-PesNha. #PaydayLoans #Loans #Debt #FinancialSupport

Moving to a new country feels like opening a new chapter—with no table of contents. Exciting? Yes. Overwhelming? Also yes. 💸 Here’s a little secret: practicing mindfulness with your finances can boost both your mental and financial health. 🙌 Here are 3 mindful ways I manage my money: 1️⃣ Pause before big decisions—a quick walk in nature works wonders to clear my head. 🌳 2️⃣ Lean on community—talking it out helps me feel less alone. 💬 3️⃣ Take baby steps—small goals build big confidence over time. If you’re new to Canada, you don’t have to figure it out alone. The program ‘Mindfulness & Money for Newcomers,’ produced by Conscious Economics in partnership with Interac Corp., is a game-changer for building financial confidence as a newcomer and preventing fraud. 🛡️ Learn more about ‘Mindfulness and Money for Newcomers’ here: https://hubs.la/Q0302pHw0 #MindfulnessAndMoney #NewToCanada #FinancialConfidence #PersonalFinance #FinancialHealth #ConsciousEconomics #MindfulMoney

"I am so annoyed by this policy decision." The government of Canada has announced a 'GST Holiday' starting on December 14th, which would give Canadians GST relief on certain items such as food, children's clothing, video games, books, and Christmas trees. However, Bruce Sellery argues that the GST Holiday is not what Canadians need and that it won't benefit them in the long run. Hear his take on QR Calgary: https://lnkd.in/eamy_WAx #RateCut #BoC #GST #GSTHoliday

How to Support Make the Season Kind 👇👇 If you'd like to win a personal financial coaching session for yourself and a friend with Bruce Sellery (over lunch, his treat!), enter to win on cbc.ca/kind. Donation lines are open until December 31, 2024, at 11:59 p.m. #CBCKind #MaketheSeasonKind #personalfinance #financialcoaching #prize

If you have two minutes, we invite you to read this review about one of our credit counsellors, Kelly. ⬇️ This right here is why we do what we do. 💭 “There's very few things I've ever genuinely felt the desire to go online and review, but this has to be the most compelling and life changing service that seriously deserves it. Kelly O'Leary got in touch with me literally within 20 minutes after I sent my inquiry, and gave me the BEST customer service I've ever experienced in my life. Finances have been hugely shameful for me so even posting this feels so vulnerable -- asking for help and sharing all the details with a Consolidation company felt like something I could never get the guts to actually do. Kelly made me so glad that I did - it felt so easy, comfortable, non-judgemental, and genuinely empathetic. She answered every question so enthusiastically, walked me through the whole process and each step for getting set up, and encouraged me the whole way. For context, I had to take out an emergency payday loan for veterinary ICU fees for my dog over a year ago, and paying it back has been completely ruining me financially (missed payments, shuffling money between debt and credit cards, to scrape by for minimum payments, etc). This agreement has helped me get my interest rate from 47.9% to about 9%. Instead of paying $534/month (267 biweekly), I'm only paying $295/month. I had no idea this was even an option. When I saw the reviews I thought it absolutely HAD to be too good to be true, or that there was some catch lurking in the depths of fine print. I'm so relieved that truly the other reviews I saw were sincere. This service is genuinely going to save my life, credit score, and future stability -- I'll save so much in interest, and the extra couple hundred dollars I save monthly means that I can pay for things I've put off due to cost like mental health related prescriptions and even just being able to put away some savings (finally). I truly can't believe this. I only wish I knew about it earlier. It's not just saving me money, it's helping my quality of life, and for that I can't be grateful enough. Kelly was so unbelievably kind, patient, and thorough. When we got off our phone call I broke down in tears -- I've never felt like I've had an answer for solving my debt stress until now. Thank you, thank you, thank you Kelly and team. Even thinking about debt makes me so anxious, but the whole process today took under an hour and was genuinely not just painless, but actually felt like an enjoyable conversation. This company seriously knows what they're doing with their employees, attitudes, values, all of it. I know this review sounds borderline ridiculously glowing, but seriously, I'm feeling so much relief and gratitude that i had to share it so hopefully someone else in a position like I've been in can get help with it sooner than I did. If you're thinking about it, look into it. They're beyond helpful.” ——————-

🚨 67% of Canadians are worried about package theft (aka Porch Pirates!) this holiday season, according to FedEx’s Holiday Package Survey. Having your deliveries stolen costs you BIG TIME. Not only did you lose the money used to purchase the stolen item in the first place... but you're likely to buy that item a second time as well! Don't let your deliveries be next. Here are 5 budget-friendly ways to keep your packages safe: 1️⃣ Signature Required: Make sure you’re home or request a signature for every delivery. 2️⃣ In-Store Pick-Up: Skip the porch altogether by choosing in-store pick-up when possible. 3️⃣ Ship to Secure Pick-Up Locations: Have your packages sent to a nearby locker or pick-up center. 4️⃣Security Camera: A visible camera (even a fake one) can be a powerful deterrent! 5️⃣Delivery Instructions: Add a note to the delivery person to hide packages out of sight from prying eyes. Make sure to be specific to increase the likelihood of the delivery person following those instructions! Follow for more personal finance tips. #PorchPirates #SecureYourPackages #HomeSafety #DeliveryProtection #SmartShopping #BudgetFriendly #PackageSecurity

💸 The federal GST holiday is approaching—will it really help Canadians save? While it offers savings, experts like Credit Canada CEO Bruce Sellery warn it might tempt consumers, especially those with debt, to spend more just to snag the discount. Learn more about the potential impact in this The Globe and Mail article: https://hubs.la/Q02_2dXg0 #HolidaySpending #Budgeting #GiftGiving #SmartShopping