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I'm the co-founder of MooseMoney with my good friend Moosey McSaver. Before that, I also was CEO of Hardbacon, another Canadian personal finance website.
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The good news is that your fear of checking your banking app or logging into your credit card portal is 100% natural!
Winning at Black Friday involves following those 2 simple rules: 1. Don't buy anything just because there is great discount. 2. Do your research
Consolidating multiple credit cards into a single loan or low credit card balance can save you thousands in interest. Use this calculator to see exactly how much you'll save by consolidating your credit cards balances.
A consumer proposal can significantly reduce your debt while avoiding bankruptcy, but the amount you'll repay depends on multiple factors. Use this calculator to see exactly what a consumer proposal will cost you, how much you'll save, and whether it makes financial sense for your situation.