Personal Finance

Credit card utilisation is how much of the available credit on your credit cards you are using. It is calculated by dividing the amount of a person's credit card balances by the credit limit on all of their cards. For example, assume that you have three credit cards.

A person's credit score or credit rating is typically a piece of information that's considered private and isn't revealed until later in a relationship. It isn't always possible to tell by what kind of job they have, the clothes they wear or the car they drive.

Today, we have a special guest post from Andy Josuweit, CEO of Student Loan Hero. He really knows that he's talking about when it comes to student loans. You can learn more about Andy at the end of the post. Are your student loan payments too much to handle?

Sometimes, no matter how hard you try or how much you juggle your income and bills, you just can't seem to make the monthly mortgage payments. Whether it was a calculation error on your part when you took out the mortgage or a major life event beyond your control, not being able to afford your mortgage can be very unsettling.

Buying your own home is one of the most important financial decisions you'll make. Choosing the best mortgage can seem daunting as you have many options, but understanding all your options will help you make the right decision. This article explains the key facts about variable rate mortgages.

Earlier this week, I talked about financial willpower and how to improve yours for a more successful 2015. Some of you may be struggling with willpower in another area: your exercise goals. Studies indicate a relationship between a healthy lifestyle and healthy finances, so don't give up.

Starting your own business isn't for the faint of heart. It's stressful and pretty much demands your complete focus. On the plus side, it can also be a fulfilling experience professionally and personally. Here are 50 tips on how to make your business come to life: Related: How McDonald's Made Me a Better Businessman Not everyone has what it takes to start a company.

Keeping your business records up to date and accurate are 2 of the most important things you need to do as a business owner. It is your responsibility to update the province within 15 days of any change; however, if this time has passed, it is still important to file and update the changes as ...