{"id":26614,"date":"2020-11-27T16:41:52","date_gmt":"2020-11-27T16:41:52","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=26614"},"modified":"2024-10-18T08:47:28","modified_gmt":"2024-10-18T15:47:28","slug":"top-credit-card-tips","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/credit\/top-credit-card-tips","title":{"rendered":"Consumer Debt – Credit Cards | Flexible Friend or Foe?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/pile-of-credit-cards_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Credit Cards<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||130px|||” custom_padding_tablet=”||117px||false|false” custom_padding_phone=”||74px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.25.1″ header_2_font_size=”30px” custom_margin=”||17px|||” global_colors_info=”{}”]<\/p>\n

4 Top Credit Card Tips<\/h1>\n

To Avoid Costly Mistakes<\/span><\/em>[\/et_pb_text][et_pb_text _builder_version=”4.25.1″ header_2_font_size=”30px” locked=”off” global_colors_info=”{}”]Credit cards have become the payment method of choice for countless Canadian consumers. In our physical and digital wallets or saved in apps and online portals, there are millions of active Visa, MasterCard and American Express credit cards in circulation.\u00a0However for some, the costs associated with using their credit card can lead to a troubled financial future. Understanding the fine print in the cardholder agreement, which changes from time to time, can save money now and offset future difficulties. To make your credit cards flexible friends not foes, here are 4 top tips to ensure you’re credit card spending doesn’t come back to bite you.<\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||100px|||” custom_padding_tablet=”55px||100px||false|false” custom_padding_phone=”” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” custom_padding_tablet=”35px||||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Tip #1 \u2013 Minimum Payment Myth<\/span><\/h2>\n

Did you know…if you only make the minimum payment on your account, depending on how much you owe, it could take longer than your lifetime to pay it all off? Here’s a calculator you can try, which will show you\u00a0how much your debt is costing<\/a>\u00a0you.<\/p>\n

On each credit card statement, credit card companies are required to tell you how long it will take to pay your balance owing off if you only make the minimum payment. Look at that carefully and then figure out how much extra you can pay to avoid this trap.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/pile-of-credit-cards_2colm.jpg” alt=”Pile Of Credit Cards” title_text=”pile-of-credit-cards” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”0px||0px||false|false” custom_margin_tablet=”||-90px||false|false” custom_margin_phone=”||-70px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”71px||162px||false|false” custom_padding_phone=”27px||144px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

Tip #2 \u2013 Partial Payment Interest<\/h3>\n

Did you know….if you pay less than the full amount owing on your statement by the due date, you will pay interest on the full amount? For example, your balance owing is $1510 and your payment is due today. If you only pay $1500, most cards will charge interest on the entire balance of $1510. Interest adds up fast enough so avoid this trap if you can. If you make an honest mistake – likely paying $1501 rather than $1510 – and normally pay your balance in full, call your credit card company and ask if they’ll reverse the charge for you.\u00a0<\/p>\n

Tip #3 \u2013 Interest Rate Change<\/h3>\n

Did you know….some credit cards may increase the interest rate on your card if you are even one month in arrears? Check your statements carefully each month to see what interest rate you’re being charged. If they do increase your interest rate because you missed a payment it will normally take a full 12 months of on-time payments to get it brought back down.<\/p>\n

Tip #4 \u2013 Payment Due Date<\/h3>\n

Did you know… if you make your payment on the due date, the credit card company may charge you interest as if you paid late? In some cases, processing can take up to 5 days. Make a habit of paying your credit cards 5-7 days prior to the actual payment due date to be sure. If any errors occur, contact your credit card company and ask them to reverse any charges.<\/p>\n

You may also not be aware, it’s just fine to make more than one payment each month. As part of your pay cheque planning, make payments when you’ve got the money to avoid inadvertently spending it on something else. Along with checking over the purchases you make each month, ensure that all of the payments you make are accurately reflected as well.<\/p>\n

 <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” prev_background_color=”#e4f8e0″ _builder_version=”4.16″ background_color=”#ffffff” custom_margin=”||0px||false|false” custom_margin_tablet=”||-120px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”2px||36px|||” custom_padding_tablet=”0px||180px||false|false” custom_padding_phone=”0px||169px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” custom_padding=”156px||8px|||” custom_padding_tablet=”” custom_padding_phone=”95px||8px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

The Bottom Line on Using Credit Cards Wisely<\/h3>\n

Your credit card will be your friend if you know what you can afford to charge and pay off each month because you have a\u00a0budget<\/a>. Using your credit card as an extension of your pay cheque means that you could be adding at least 50% to the cost of whatever you are buying. If the sticker price looks like a good deal, decide if it\u2019s still a good deal with interest and fees added on. If it\u2019s not, don\u2019t buy it unless you have the extra cash to pay for it.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” admin_label=”CTA 2 – Get started” _builder_version=”4.16″ background_enable_color=”off” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg” parallax=”on” parallax_method=”off” max_width=”100%” custom_padding=”280px||1px||false|false” top_divider_style=”ramp2″ top_divider_height=”180px” top_divider_flip=”horizontal” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row admin_label=”CTA Components” _builder_version=”4.16″ background_enable_color=”off” z_index=”0″ width=”60%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height=”500px” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”-6px|auto|-240px|auto|false|false” custom_margin_tablet=”||-170px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”||0px|||” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading Line 2″ _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Having trouble with your debts?<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” custom_padding=”||0px|||” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

We can help. Give us a call at 1-888-527-8999 or send us a quick note to call you back and we’ll be in touch to answer any questions you may have about debt. We’ll help you find a solution that works best for you.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Get Help Now” button_alignment=”center” _builder_version=”4.16″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”0px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_button][et_pb_text admin_label=”Extra Space” _builder_version=”4.16″ background_enable_color=”off” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|desktop” transform_translate=”0px|-350px” transform_translate_tablet=”0px|-380px” transform_translate_phone=”0px|-430px” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”-1″ max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|tablet” min_height=”385px” min_height_tablet=”430px” min_height_phone=”470px” min_height_last_edited=”on|tablet” animation_style=”fade” animation_duration=”2000ms” animation_delay=”6500ms” hover_transition_speed_curve=”ease-in” transform_styles_tablet=”” transform_styles_phone=”” border_radii=”on|8px|8px|8px|8px” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Related Topics” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”1px||||false|false” custom_padding=”70px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Related Topics<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/blog\/budgeting-saving\/how-to-pay-debt-off-quickly-proper-budgeting-tips” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/pay-debt-bills-quickly-canada_related_topics.jpg” alt=”pay debt bills quickly canada” title_text=”tips-to-pay-debt-faster” _builder_version=”4.16″ border_radii=”off|8px|8px||” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

Tips to Pay Debt Faster<\/h3>\n

A fatal flaw when paying off debt and bills is forgetting to budget. Here’s why and what to do instead.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/budgeting\/budgeting-guidelines” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/budgeting-guideline_related_topic.jpg” alt=”budgeting guideline” title_text=”budgeting-guidelines” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

Budgeting Guidelines<\/h3>\n

A breakdown of categories for your budget and how much to spend on each type of expense.<\/p>\n

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Credit Counselling<\/h3>\n

Are you curious about what credit counselling is or how it works? Here’s what you need to know.<\/p>\n

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