Preparing and living within a personal budget

September 23, 2010

What is a personal budget?  Essentially, a budget is a projection of how we are going to spend our money.  Budgets are usually based on monthly income and expenses; some people track weekly, some daily, but unfortunately, most of us simply do not budget at all.   A budget works when at the end of the [...]

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Is filing a consumer proposal in London better than bankruptcy?

September 9, 2010

A consumer proposal is the lesser known alternative to filing for bankruptcy, and many clients find that it is a better solution for them than filing bankruptcy.    So, in what circumstances might a consumer proposal be a good alternative for you to consider? 1.)  You may have things that you own (assets) that you wish [...]

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Football, Gambling and Bankruptcy in London, Ontario…

September 2, 2010

I heard a couple of interesting things on the news in the last month.  First, it would appear that our Canadian university football teams have made the headlines – players are using performance enhancing drugs in order to obtain an advantage on the football field.  Second, the Ontario Lottery and Gaming Corporation (OLG) is getting [...]

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“I can’t believe I am considering bankruptcy…”

August 19, 2010

A lot of communities are feeling the pain of job loss – factories have closed or moved operations elsewhere, companies have downsized in an effort to meet a decrease in demand for the products they sell. Sadly, in many cases those affected are long-term employees who never imagined their jobs would be in jeopardy. In [...]

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What does a box of tissue have to do with filing Bankruptcy in London, Ontario?

January 14, 2010

So, you might be wondering what THIS box of tissue has to do with bankruptcy in London?   As I was eating breakfast this morning, I found myself studying the words on this very colorful box: “courage”, “support”, “hope”, “believe”, “strength”, determination”… it is these very words that  inspired me to write this blog.  Why?  Quite [...]

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