Debt Free Living Center:
Quick and simple tips to make
your money go further

Ontario Minimum Wage – On The Rise

Sometimes while I drive, I record a rant.  RCR: Richard Cooper Rants.  This one is going to piss a few people off, others will agree with me.  Watch the video below: Ontario Liberals are raising…

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For the latest news we’d always suggest you check with Citizenship and Immigration Canada first, however as it stands today, the good news is that you can still deal with debts and help a loved one to…

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Credit Card Debt – Never Confuse Activity With Accomplishment

I went on a bit of a rant today on a drive to meet my accountant.  I’ve lost count of people I’ve met that think the activity of just paying the minimum monthly payment on their credit…

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CREDIT CARD COMPANIES WANT YOU IN DEBT

Think about it. Credit card companies make nothing off people that pay off their bill in full and fly on free points.  But they make a fortune of people up to their eyeballs in debt…

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Cable TV is Bullshit

There I said it, and you know it’s true.  Cable TV is mindless crap. I haven’t watched a cable TV program in 6 months now.  I don’t miss it at all.  Here is why I…

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What is Debt Settlement?

So what is debt settlement?  How does it work?  I get asked questions often.  Put simply, debt settlement is the process of negotiating a reduced payout between a creditor and debtor.    If you have sufficient…

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What is a Consumer Proposal?

So, you want to know what a consumer proposal is?  Simply, a consumer proposal is where you propose to settle your debt, and if accepted, you get out of debt for less than you owe. Many trustee’s in bankruptcy sell…

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What is Credit Counselling in Canada?

There are two camps on credit counselling.  Those that trust in it, and the increasing movement that are critical of how it is structured.  In this blog post we will look at what credit counselling is, and how…

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5 Cheap Ideas For Fathers Day

Men are really simple to please, we like good food, sports, horsepower, the outdoors and sex.  You don’t need to blow a fortune on us for fathers day, so here are 5 cheap ideas for you to…

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In December 2012, I placed a “mystery shopper” call by fluke to a non-profit credit counselling company.  The website is nomoredebts.org.  I was doing some research online on the keyword “debt settlement” and their advertisement…

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