Debt Collectors With debt levels in Canada at record levels. Collection agencies across Canada are becoming increasing more aggressive about collecting past due accounts.  Finding more and more creative ways to seek out debtors and recover delinquent accounts. Collection agencies are in the business of debt recovery.  These agencies are quite often not the owner of…

1. Omitting Expenses – Not all expenses can be tracked monthly and yet they are important and must be included in the monthly allowance in order to not be caught short when the item rolls around.  Easy one, Christmas, budget every month to put away an amount that will prevent you from using credit to…

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