by Sandi Martin | Aug 14, 2013 | Blog, debt consolidation, Debt Management, Personal Finance
The point: it doesn’t matter what method you use to pay off debt, or if you use any method at all. What matters is that you stop creating new debt. It’s out there: the mathematically precise, strictly rational formula for paying off your three credit...
by Sandi Martin | Jun 11, 2013 | Blog, Budgets, Canadian Housing Crash, Debt Management, Inside the Bank, Personal Finance
The point: there are two things you can do if there’s going to be a housing market crash, and worrying isn’t one of them. You’re here, so I’m going to take a long shot and guess that you read about money online, unless you’re here for the...
by Sandi Martin | Apr 10, 2013 | Blog, Debt Management, Inside the Bank, Mortgages, Personal Finance
The point of this post: do the work to understand how the mortgage lending system works so you can save the most money. If you want to get the very best interest rate (read: lowest bottom line price) on your mortgage, you need to know how to see yourself the way the...
by Sandi Martin | Mar 27, 2013 | Blog, Credit Cards, Debt Management, Income Tax, Paying your taxes with a credit card, Personal Finance, Plastiq
The point of this post: don’t pay your taxes with your credit card. Ever. The big news today (for money nerds who read every scrap of money-related news, that is) is that through the online payment system Plastiq, you can put your income tax payment on your...
by Sandi Martin | Mar 8, 2013 | Affordability, Blog, Debt Management, Mortgages, Personal Finance, Total debt service and savings ratio, Total debt service ratio
The point of this post: it’s your job as the borrower to figure out if you can actually afford the mortgage the bank says you can. When you think about how much money you make, do you use made up numbers or real ones? If you think that’s a strange...
