The average Canadian owes more than $1.70 for every $1 of disposable income. This is a terrifying scenario for the country to be in, especially as the Bank of Canada is likely to raise interest rates at least once more in 2018. It isn’t easy living a life in the red. We lose sleep at night, we get stressed out, and we feel like we’re drowning nickel by nickel, loonie by loonie. But what’s the solution?

Well, establish a debt management scheme to get yourself out of debt. Whether it is ditching the credit card or implementing a realistic payment program, there are many measures you can employ to ensure that you eventually become debt-free.

Are you up for the task? Get ready! Here are five debt management tips for the lone wolf:

Beginning your search for a new job can be a pretty daunting task. In the world of accounting, you may find yourself asking, “Where do I begin?” Well, the natural answer is always the CV. That’s your best chance at standing out against the standard fare of candidates, especially with professional accounting recruiters. You want a resume that will show off your various skills, as well as your personality. How exactly do you do that, however? Well, in the guide below, you will find five great application tips for accounting candidates.

Mortgage brokers work with you to find a great deal on a mortgage. They can be invaluable in your search for a home loan. There are many, many great mortgage brokers in Canada. But in the sea of brokers, there are also some predators you need to watch out for.

Buying a home, whether it’s your first or fifth home, is always an exciting time. The last thing you need is to have a bad mortgage experience ruin such a special time in your life. At the same time, you absolutely don’t want to end up with a mortgage that isn’t right for you.

If you end up with a bad mortgage broker, you might not realize it until it’s too late. If you don’t have any friends or family members to turn to for a referral, make sure you watch for these three warning signs of a terrible broker.

When you are traveling abroad, you will obviously need some local currency. You are basically ready, since you have booked the flight and you have your agenda all planned out. Getting foreign currency is not a problem; the only concern is how you go about it, because this can make a big difference in terms of how much money you can save.

Of course you want to save, right? Then, you will have more to spend if need be, so it does not end up being too tight, otherwise, you will be watching pennies. You need to be aware of all kinds of hidden fees which can add up. Let’s take a look at some of the money exchange options for travellers.

When you get hurt after slipping and falling, you can file a lawsuit against them claiming negligence. This does not, however, guarantee that you will be compensated for things such as medical bills and lost wages. You will need to have a strong case that is well-researched and entails plenty of evidence to be compensated.

Dealing with a stagnant business is never easy. If you take the time to focus on the right things, you can dig yourself out of a hole. Check out these five tips to help you breathe life into your business.

No, today’s generation of accountants are not sporting white short-sleeve dress shirts, wearing pocket protectors, and holding big red staplers. Like other industries, the fresh crop of modern-day professionals has given the accounting profession a little bit of a makeover.

And it’s about time!

But how exactly did they achieve this transformation? It’s simple: social media!