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READ OUR DEBT HELP, MANAGEMENT & ADVICE BLOG
D. & A. MacLeod Company Ltd.’s blog is your resource for understanding the finer points of debt management as well as for financial tips and tricks in Ottawa and across Eastern Ontario. If you have any questions, please don’t hesitate to contact us.
Mar 22, 2022
BANKRUPTCY FRAUD: WHAT IT IS AND HOW TO AVOID IT
Most people who file for bankruptcy are honest individuals who have fallen upon hard times through divorce, unemployment, health problems...
Mar 22, 2022
5 COMMON CREDIT CARD MISTAKES
When used responsibly, a credit card can be a fantastic asset. For example, you can earn cashback and rewards with every use....
Feb 7, 2022
HOW FILING FOR PERSONAL BANKRUPTCY CAN AFFECT YOUR BUSINESS
Filing for personal bankruptcy can negatively affect your business, depending on how it’s structured. Before filing, you should be aware...
Feb 2, 2022
TURNING 71: WHAT TO DO WITH YOUR RRSP
At 71, Canadians must close their registered retirement savings plans (RRSPs). How much you have in your RRSP depends on how long you’ve...
Jan 17, 2022
5 BEHAVIOURS THAT MIGHT BE HURTING YOUR CREDIT RATING
Just because you pay your rent on time doesn’t necessarily mean your credit score is as good as it could be. Some seemingly innocent...
Dec 7, 2021
5 THINGS YOU SHOULD KNOW ABOUT CONTRIBUTING TO YOUR SPOUSE’S RRSP
Are you married or in a common-law relationship? Do you make considerably more than your spouse? If so, you may want to consider making...
Dec 7, 2021
WHAT YOU SHOULD KNOW ABOUT UNFAIR LOAN PRACTICES
Most Canadians know that payday loans are expensive and difficult to repay. Nevertheless, nearly 40 per cent of bankruptcy filings are by...
Dec 7, 2021
5 THINGS YOU SHOULD KNOW ABOUT CORPORATE RESTRUCTURING
A business may require corporate restructuring for a variety of reasons. For example, the company may have financial problems and want to...
Dec 7, 2021
HOW TO PROTECT YOURSELF IF YOUR BUSINESS FAILS
Opening a small business comes with risks. In fact, 50 per cent of small businesses fail in the first five years. In this case, a bank or...
Dec 7, 2021
HOW TO CREATE A BUDGET WITH IRREGULAR INCOME
Creating a monthly budget when you don’t earn a regular paycheque is challenging. Nevertheless, the process is necessary if you want to...
Oct 31, 2021
SHOULD YOU PUT YOUR RETIREMENT FUND IN A TFSA OR AN RRSP?
In Canada, two financial tools for saving for the future stand out: tax-free savings accounts (TFSA) and registered retirement savings...
Oct 31, 2021
DEALING WITH DEBT COLLECTORS: KNOW YOUR RIGHTS
If you don’t pay your bills, you might receive one or more calls from a collection agency. In some cases, debt collectors can be...
Oct 31, 2021
HOW TO RETIRE WITH A MORTGAGE
The old rule that you must retire without debt no longer applies. More people are waiting until later in life to buy a home, so many...
Sep 21, 2021
5 RESOURCES TO IMPROVE YOUR FINANCIAL LITERACY
Financial literacy is the ability to use knowledge, skills and resources to make effective financial decisions. This can serve you in a...
Sep 21, 2021
HOW TO PRACTICE MINDFUL SPENDING
Regardless of your financial situation, there are many benefits to mindful spending. In essence, this practice simply requires you to...
Sep 1, 2021
5 WAYS TO BENEFIT FROM YOUR RRSP BEFORE YOU RETIRE
A Registered Retirement Savings Plan (RRSP) is one tool that can help you save for retirement. In most cases, the goal is to keep your...
Aug 31, 2021
6 TIPS TO HELP YOU BUDGET AS A COUPLE
Financial matters are often a sore spot for couples. While it can be challenging to talk about money, having a realistic financial plan...
Aug 31, 2021
7 TIPS TO HELP YOU PAY OFF YOUR STUDENT LOANS FASTER
Post-secondary education is getting more expensive every year. As tuition rises, students are being forced to take out larger loans and...
Aug 31, 2021
SHOULD YOU SAVE FOR RETIREMENT OR PAY OFF YOUR MORTGAGE?
If you secure some extra cash, is it better to pay off your mortgage or put it toward your retirement fund? The answer to this question...
Aug 31, 2021
HOW TO BUDGET FOR THE BACK-TO-SCHOOL SEASON
Back-to-school season can be one of the most expensive times of the year for families. Whether your children are in elementary school or...
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