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Jeffrey Schwartz

Executive Director, Consolidated Credit Counseling Services of Canada

Jeffrey Schwartz is the Executive Director of <a href="http://www.consolidatedcredit.ca/" rel="nofollow">Consolidated Credit</a> 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.
Saving Tips for Canadians,

Saving Tips for Canadians, Eh?

Canada Day is coming up on July 1. Proud Canadians will be gathering with their friends and family to celebrate the birth of our nation all those years ago. And in true Consolidated Credit fashion, utilize these truly Canadian ways to ensure that you and your family have a financially secure future.
06/24/2014 12:23 EDT
This Father's Day, All Your Dad Really Wants Are the Three

This Father's Day, All Your Dad Really Wants Are the Three B's

Grab a couple of gloves and a ball and ask your dad to play catch with you just like you did years ago. You may not have the same coordination as in the past, but it will be fun nonetheless. And you know what? It's not even the act of throwing and catching that will make this gift memorable -- it's the quality time and conversation you'll have while doing it that he'll remember.
06/09/2014 05:25 EDT
We Can Learn a Lot About Saving Money From Victorian

We Can Learn a Lot About Saving Money From Victorian England

People in the Victorian Era, including the Queen herself, lived lives of remarkable frugality and resourcefulness. They made do with what they had and worked hard to get it. Consolidated Credit has looked at the way people lived 150-200 years ago in England and found some things we could learn.
05/14/2014 12:32 EDT
Thoughtful Mother's Day Gifts That Won't Break the

Thoughtful Mother's Day Gifts That Won't Break the Bank

"It's the thought that counts." So, with Mother's Day right around the corner, Consolidated Credit has compiled some great gift ideas that will show your mother how much you care, without causing you to dip into your savings.
05/07/2014 08:30 EDT
Simple Ways to Make Tax Season

Simple Ways to Make Tax Season Painless

Tax season has begun. This yearly tradition is dreaded by many Canadians, but it doesn't need to be. Taxes are what keeps our roads paved, our schools running, and our health care free. When we think about the money we give to the government, we don't always realize that our money is going towards things we take for granted every day. So, approach the upcoming tax filing deadline with a positive outlook.
04/11/2014 09:06 EDT
Forget the Garage, Spring Clean Your

Forget the Garage, Spring Clean Your Finances!

For most of us, spring on the horizon means it's time for our annual spring cleaning. But, if you are like most Canadians, it may be more important to focus on spring cleaning your finances rather than washing the windows or cleaning out the garage.
03/06/2014 05:22 EST
Have a Credit-Friendly Turkey

Have a Credit-Friendly Turkey Day

Does Thanksgiving dinner leave you feeling like a turkey? Hosting dinner for friends and family can leave you feeling thankful, but let's face it, putting on a Thanksgiving spread isn't exactly cheap! But what if there were a way to cook for a crowd without spending a bundle this year? With these tips you can have a fun, festive and frugal holiday dinner without sacrificing taste or quality.
10/07/2013 12:14 EDT
10 Tips to Prevent Identity Theft and

10 Tips to Prevent Identity Theft and Fraud

Every year thousands of Canadians fall victim to identity theft and fraud. March is Fraud Prevention Month. The good news is, by managing your personal information wisely, cautiously and with awareness of the issue, Canadians can help guard themselves against identity theft and fraud. This is why it is so important for us all to protect our personal information.
03/01/2013 12:24 EST
There's No Such Thing As a Miracle Fix For

There's No Such Thing As a Miracle Fix For Debt

Consumer debt has become a major concern in Canada. The stress of dealing with unmanageable debt can be overwhelming for most consumers. Between creditor calls, collection threats and living paycheque to paycheque, "get out of debt fast" opportunities can be very appealing. But are they too good to be true?
02/05/2013 12:21 EST
Pie-in-the-Sky Resolutions Won't Get You Out of

Pie-in-the-Sky Resolutions Won't Get You Out of Debt

Instead of making unrealistic and lofty resolutions this year, start 2013 off on the right foot by committing to a personal financial goal, and create a plan to achieve that goal.To help you get started on the road to financial health, try some of these proven methods to tackle debt, and make your 2013 financial goals a reality.
01/03/2013 12:14 EST
Have You Already Busted Your Holiday

Have You Already Busted Your Holiday Budget?

We have all been there. Two weeks before the winter holidays, three gifts left to buy and zero dollars left in the holiday budget. For many, this is the point where we either stop shopping or cross that thin financial line and set ourselves up for a nasty holiday debt hangover. So, what do you do when the holiday well has run dry and you still have a few gifts left on your shopping list?
12/07/2012 08:08 EST
Shopping Online? How to Avoid Identify

Shopping Online? How to Avoid Identify Theft

Technology has changed the way we approach the holiday spending season. Surfing the net and using apps to seek out the best deals are great ways to save money, but letting your guard down while shopping online can put you at greater risk for identity theft and credit card fraud. If you plan to let your fingers do the shopping this year, follow these tips to keep your budget and your identity safe.
11/14/2012 08:22 EST
Easy and Fun Ways to Teach Your Kids About

Easy and Fun Ways to Teach Your Kids About Money

The average Canadian owes $1.54 for every dollar earned. Being debt-free or eliminating debt is more than merely a financial battle; for many, it's emotional, psychological and habitual. That's why learning smart spending habits is crucial from a young age. Getting your kids involved in financial planning and shopping gives them impactful, hands-on experience in budgeting. Here are some great tips to teach your younger and university-aged children to budget and save.
09/28/2012 08:12 EDT
Always a Bridesmaid? Here's How to

Always a Bridesmaid? Here's How to Save

Meet Jennifer Hills, a communications advisor and recent condominium owner who is single. She's been a bridesmaid four times in four years and will be again this year. Hills estimates each wedding has cost her $1,500. This is truly a double-edged sword: on one hand it is a great thrill and honour to be recognized by the bride and groom; on the other, costs can quickly add up and dampen the enthusiasm.
06/12/2012 12:38 EDT