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Jeffrey Schwartz

Executive Director, Consolidated Credit Counseling Services of Canada

Jeffrey Schwartz is the Executive Director of Consolidated Credit Counseling Services of Canada and President of the Credit Association of Greater Toronto (CAGT). Consolidated Credit is a national non-profit credit counselling organization that teaches consumers about personal finance through web-based budget and debt analysis tools, financial literacy community outreach programs and in-person or telephone counselling. CAGT is a non-profit association with a mission to provide a dynamic forum in which members can share information and expertise.

Cut Down Your Holiday List Without Looking Cheap

Holiday gift giving can be really stressful, so now it's time to take a different approach. Let's take a step back this year and take a frugal approach to the holidays. I know when it comes to gift-gi...
12/06/2016 12:22 EST
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Save Big: Go On A Fall Savings Diet

There are so many activities in the fall to enjoy from fairs to festivals -- all which encourage you to spend your money. Despite the temptation to spend this time of year, the fall also presents a good opportunity to save your money too. Now is a good time to go on a diet; a fall savings diet to be exact.
10/05/2016 01:14 EDT
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Stay In The Black This Holiday Season

Instead of drawing a forgone conclusion that you'll spend hundreds to thousands of dollars just because it's the holidays -- let's find another way. No one likes the impending debt emergency in the new year. To avoid spending beyond your means, now is the perfect time to get your financial house in order and save for the holidays.
09/27/2016 02:19 EDT

Never Overspend On Back-To-School Shopping Again

Here's how you can get started on the right track with your back-to-school shopping this year so you can avoid turning to high-interest rate credit card debt. Before you head out for back-to-school shopping, take a look at what kinds of supplies you may already have at home.
08/31/2016 10:09 EDT
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How To Maintain Your Budget While On Vacation

Although the fluctuating loonie may be annoying, you better believe there are a variety of ways to enjoy your summer vacation this year whether you are travelling to the U.S., Canada or outside of North America. You can save yourself from a lot of financial headache by creating a game plan before you go on vacation.
07/06/2016 05:09 EDT
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6 Practical Ways To Save Money This Summer

Summer is here. It is the time of year when many Canadians let their guards down and sometimes spend more money than planned on a variety of expenses from impromptu road trips to hosting various summer parties. Here are some tips to help you add some funds back into your bank account.
06/24/2016 11:53 EDT
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Teach Your Children Financial Lessons While They're Young

When your child starts to understand the concept of money, you can give them a monthly allowance to help them save for a new toy or clothes. This way they can start to understand items in the store are not free, you have to pay for them. If your child wants the latest Thomas the Tank Engine train set, explain to him or her, how much it costs and how much money they would need to save up to buy it.
06/16/2016 03:17 EDT
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How To Give Your Budget A March Break

March Break is just around the corner, and if you're like many Canadians, you're probably wondering how you're going to afford to pay for it. Luckily, there's an easy way to save money, keep your children happy, and teach them a few life lessons too. Use the break as an opportunity to put your kids in the classroom of life by involving them in the March Break budgeting process. Here's how:
03/03/2016 12:51 EST
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The Biggest Personal Finance Fails Of 2015

To err is human. Mistakes can be a valuable learning opportunity, and sometimes, the bigger the mistake, the bigger your lesson will be. Lucky for us, there are plenty of people out there who made huge personal finance mistakes in 2015, and we have the benefit of being able to sit back and learn from them.
12/31/2015 02:42 EST
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How to Recession-Proof Your Finances

Well, it's official, or at least technically official: we're in a recession. What this means for the greater economy will be debated by economists, analysts, and politicians. But what this means for the average Canadian is pretty clear -- things aren't as secure as they used to be.
09/01/2015 12:28 EDT

5 Ways to Ensure a High Credit Score

It's a three-digit number that can make you or break you -- it can affect your ability to buy a home, rent an apartment, buy a car, and in some cases prevent you from getting a job. But despite its value, many of us are blissfully unaware of our credit score.
08/20/2015 08:34 EDT

Let's Become the True North Strong and Debt-Free

Canadians have many reasons to celebrate as their nation turns 148 years old tomorrow. They can even feel a bit of pride in an area that normally provides a healthy dose of shame in the headlines: personal finance. Let's take a look at a list of Canadian financial accomplishments along with lessons we can use to help us become the True North, Strong and Debt-Free.
07/01/2015 08:53 EDT