Monthly Archives: November 2015

Learn 5 Reliable Ways To Improve Your Credit Score

Keeping your credit report tidy and organized is critical to your financial portfolio.  You don’t want to sweep financial errors under the rug as you would a dust bunny.  Instead, do your very best to pay off debt before it escalates and tarnishes your financial future.

improving your credit score

Have you been searching for reliable ways to improve your credit score? Today, your credit score is everything.  This impacts your ability to purchase a car, buy a house, get a credit card, apply for a loan and so very much more.  If you’ve made mistakes in the past and this has adversely affected your credit score, you’re not alone.  There are many Canadians across British Columbia who are struggling to rebuild their credit and diligently seeking reliable ways to improve their credit score.

You CAN improve your credit score with the right strategy.  One of the first ways Canadians can begin making a dent in debt and improving their FICO score is by minimizing their risks for being late paying ordinary bills.  That’s correct.  Late payments on bills can stack up against you badly, leaving you digging your way out of the hole.  So, establishing priorities and paying your bills on time will begin moving you in the right direction.

Canadians also need to acquire a recent credit report to view payment history and to discover what accounts might be negatively impacting their score.  It’s important to maintain and manage your credit once you begin to understand how it all works as well.  For instance, reviewing your credit report at least once a year, just to ensure the most accurate information is listed is absolutely necessary–specifically when you’re trying to repair poor credit history!

Now, it’s time for you to find the five primary ways you can enable yourself to start bringing that credit score up and improve your financial portfolio once and for all! Don’t continue to trip over your shoe-laces and ignore the importance of a clean financial history and don’t continue to live above your means! There are times you must learn to walk before you can run!


The Top 5 Reliable Ways To Improve Your Credit Score

Never forget the importance of ensuring their are no mistakes on that credit report as these can be extremely damaging.  42 million Canadians across British Columbia have errors on their reports, with approximately 12 million of these same Canadians suffering adverse credit scoring due to errors. You don’t want to be a part of these statistics, so please follow the advisement given earlier–it will make a difference.  You can also polish your damaged credit by following the very latest tips listed below, but do give it time. Your credit didn’t reach a state of disarray overnight so allow for patience and commit to improvement by making smart financial decisions daily.

  • Correct small discrepancies in your credit report before they become large
  • Pay attention to identity theft risks and ensure your identity is protected 
  • Pay credit card bills on time to build positive credit
  • Make certain corrections on your credit report are followed through with all three bureaus 
  • Limit credit inquiries on your report as most stay on for at least two years




5 Creative Ways To Save During Holiday Travel

Holiday travel is not only stressful, it is, or can be extremely expensive as well.  Whether you’re flying from British Columbia or you’re driving to meet up with family and friends for the holidays–preplanning can make all the difference to your savings.  In other words, timing your travel in a strategic way can help you save big and keep your finances in check at the same time. You don’t want to let spending spiral out of control, and it can without proper management and planning. Our tips and tricks below will save you quite a lot and definitely allow you to enjoy your holiday travel with very little stress!

You Can Save During Holiday Travel With These Tips

booking a flight

So, remember, planning ahead is the priority.  For example, if you live in Ontario and you are going to be traveling to New York for the holidays, check flights early.  Booking a flight early on is a tried and true strategy and will definitely save you financially, while eliminating anxiety and stress!  You can catch a red eye and save even more, as many don’t like to travel in the late night, or early morning hours.  You should try to keep luggage reasonable as well, because some airlines do charge extra for additional baggage, but then some offer deals too–so take the time to investigate your options when you’re flying! And remember, most Canadians have found October is the best time of year to book in your flights, so make an alert on your smart phone to stay up-to-date!

Get These 5 Creative Tips To Secure Financial Savings For Holiday Travel

So, you’ve received the tips on the flights and planning, but what if you’re driving to your location?  The same philosophy really still applies.  Rental car rates fluctuate just like flights do, so plan ahead and know what kind of rental you’re looking for.  Further, know what the rental company expects, such as: do they require a deposit, do they accept cash or do they require a credit card, how is milage calculated–and more! Compare prices and try to get a rental with inclusive costs to save money.  Let’s look at some other tips you might find helpful to stay on top of your budget during the holidays and all year, for that matter!

Holiday Saving

Rent A Loft Or Apartment Over A Hotel

Hotel costs skyrocket over the holidays, but being frugal and choosing a loft or apartment vacation rental can save you a lot!  Depending on where you’re having to travel, sometimes you might hit an off season where a rental unit is ten times cheaper than staying at the Marriott! Check it out and see what your options are before you book into something unreasonable.

Map Your Route And Choose A Driving Day With Less Congestion

Frequent stopping, or slow traffic can cause you to have to pay more for fuel and it is harder on your vehicle, rental or not.  If you can route out an easier drive to your destination and choose a day where traffic is only minimal, go with it.  This will lower your fuel costs, improve driving conditions and absolutely lower stress levels.  Remember too, time of day is critical to consider as well, so plan well!

Travel By Train

Sometimes, depending on the season, train travel is far cheaper than flying or even driving–depending on how far you’re traveling.  For instance, Canadians in Vancouver have discovered flights from Vancouver to Seattle are extremely expensive during the holidays, which practically eliminates this option when you’re trying to be frugal.  However, travel by train in the winter is inexpensive (for most destinations) and is actually a lot of fun too!  Do a little research and find out how you can save!

Establish A Holiday Countdown Fund

For travel, this can be an exemplary way of saving!  This applies future planning and staging your holiday travel.  The best way to go about it is to start at the beginning of the year and put a little money aside each month for that big holiday get together.  Once the time comes you’ll have a cookie jar filled with savings and won’t feel any extra pinch at all when it comes to the accommodations you choose and your chosen way of reaching your destination either.  It make sense, don’t you think?  Of course, this doesn’t mean be wasteful, but you can relax just a bit more than the next person when you plan like this!





Frugal Tips For Your Remaining Halloween Candy

Left Over Halloween Candy

If the goal is saving and budgeting you’ll love how you can take that left over Halloween candy and create some amazing baked desserts to kick off the holiday season.  Now, while Halloween is officially over, this doesn’t rid you of all that rich, chocolatey decadence remaining in your home.  The fact is, candy and chocolate are fantastic ingredients for fall baking–and for those who delight in the ideas!  Not only can you gain convenience by having ready ingredients for secondary goodies on hand, but you can save a ton of money as well.  The ideas presented here will definitely introduce you to the advantages of frugality!

So, are you ready for some amazing frugal tips and creative ideas that will inspire you and spur you on into far more innovative ways to save money and come out on top?  Let’s get started and see just where we end up here.  It’s time to be amazed and dazzled!

Frugal Tips To Set Off The Holiday Baking Season Following Halloween

Candy and treats can be used for a variety of things, from helping to teach addition and subtraction, on to creating amazing homemade brownies, ginger bread houses for Christmas, cookies and even pies, or cakes!  Did you know you can make your own healthy trail mix from Halloween candy like: M&M’s and raisinets?  Just mix these sweet goodies in with some whole grain cereal, granola, pretzels and peanuts and you’ll be good to go!  But, just wait–that’s not all!


Nutrition experts say that candies from Halloween and other holidays can last upwards to a year, and sometimes longer depending on what they are.  Just think of those cute little gum drop Christmas houses for scenic decorations and imagine having the convenience (and ingredients) to make these cute backdrop scenes from on hand ingredients for Christmas settings.  It’s a cute idea, and totally doable! You can even freeze left over Halloween candy for upcoming holidays–just to preserve it. If you have some candies like red, white and green M&M’s, think Christmas brownies or cookies!  You can save more than $5.00 with this idea, and the savings can continue to mount, partially helping with your baking budget!

Don’t Forget Those Birthday Parties Too!

Candy is preservable if you freeze it!  Think about how you could use this for a birthday party.  If you plan on having a themed party, with a piñata, a lot of that Halloween candy could be used for stuffing it, and definitely save you an arm and a leg on candy costs!  You could do goodie bags too, and place these at table settings for guests.  You could even decorate birthday cupcakes with some of the candy saved from Old Hallows Eve!  To be absolutely honest here, the only limit to what you can do with excess candy is you!  The main aim is to enjoy how it saves you from spending on more, and again, gives you a little extra convenience when you might need it the most!