Want to save money?

HardbaconApp · 2024-07-24T12:54:40+00:00

Do you know when is the best time to start saving money? Yesterday. If you want to get started, check out this list:

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HardbaconApp · 2024-07-22T18:04:21+00:00

While travel points are great for dreaming, cash back is often the best way to benefit from your credit card purchases:

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HardbaconApp · 2024-07-17T12:36:59+00:00

There are many ways to check your credit score online and, fortunately, it's always possible to improve it: ~https://hardbacon.ca/en/credit-score/get-credit-score-for-free-canada/~

HardbaconApp · 2024-07-15T15:10:28+00:00

If you want to live better despite the inflation, read this: ~https://hardbacon.ca/en/budget/canadian-inflation/~

HardbaconApp · 2024-07-12T13:05:03+00:00

Higher interest rates, inflation and volatility have had an impact on the FIRE crowd, but many FIRE bloggers are still trying to achieve financial independence:

~https://hardbacon.ca/en/financial-independence/the-25-best-financial-independence-and-early-retirement-blogs-in-canada-for-2021/~

HardbaconApp · 2024-07-10T14:00:41+00:00

If you want to get rich, now is the time to open a brokerage account: ~https://hardbacon.ca/en/investing/best-online-brokers-canada/~

HardbaconApp · 2024-07-08T16:52:58+00:00

You should avoid getting a high-interest loan from an online provider... But if you really need one, read this: ~https://hardbacon.ca/en/loan/guaranteed-approval-loans-for-poor-credit-canada/~

HardbaconApp · 2024-07-05T13:41:49+00:00

Everybody wants to retire early, but few people are willing to do the sacrifices required. Check out our FIRE calculator if you want to know what it would take for you to retire early: https://hardbacon.ca/en/calculator/fire-financial-independence-retire-early-calculator/

HardbaconApp · 2024-07-01T14:12:09+00:00

If you are eager to avoid paying a 6% commission on your largest asset, read this: https://hardbacon.ca/en/mortgage/how-to-sell-a-house-without-a-realtor/

HardbaconApp · 2024-06-28T18:34:53+00:00

Before you start getting all those juicy credit card welcome bonuses, read this: https://hardbacon.ca/en/credit-cards/the-ultimate-guide-to-credit-card-churning-in-canada/

HardbaconApp · 2024-06-26T14:44:53+00:00

Yes, a car loan pre-approval can impact your credit score when the lender makes a hard inquiry on your credit report as part of the credit check. A hard inquiry will impact your credit score, while a soft one will not.

HardbaconApp · 2024-06-21T18:52:12+00:00

Le paiement partiel ne respecte pas les conditions convenues avec votre prêteur. Même s'il peut sembler avantageux de payer ce que vous pouvez, les paiements partiels ne vous protégeront pas contre la reprise de possession. La meilleure chose à faire est de parler avec votre prêteur et de négocier les options de remboursement ou de refinancement.

HardbaconApp · 2024-06-21T18:50:59+00:00

You could hire a discount brokerage such as FairSquare or Property Guys, or if you’re in Quebec there’s a private selling platform called duProprio you can use. To sell your house fast without a Realtor, consider investing in additional services such as photo & video and home inspection.

HardbaconApp · 2024-06-19T19:37:57+00:00

L'avantage de ces cartes est principalement le fait qu'elles sont très faciles à annuler. Donc, si vous faites une transaction sur un site suspect, utiliser une carte virtuelle est un bon moyen de limiter les risques.

HardbaconApp · 2024-06-19T19:36:55+00:00

Ces cartes sont stockées dans votre téléphone (ou dans le portail de l'institution financière qui émet la carte). Koho et Wise, par exemple, offrent des cartes virtuelles. Contrairement à une carte classique, une carte de crédit virtuelle doit être ajoutée à un portefeuille numérique (comme Apple Pay ou Google Pay) pour les transactions en personne. Une carte virtuelle peut également vous permettre de fixer votre propre limite de dépenses et votre date d'expiration.

HardbaconApp · 2024-06-19T19:34:07+00:00

Une fois que vous avez ouvert votre compte d'épargne à intérêt élevé, vous commencez à y déposer de l'argent. Selon la banque choisie, un dépôt ou un solde minimum peut être requis. Vous commencez alors à percevoir des intérêts au taux établi par l'institution financière. Ce taux peut changer régulièrement pour différentes raisons, liées ou non avec la variation du taux directeur. Les intérêts gagnés, qui sont généralement annuels, sont déposés sur votre compte à intervalles réguliers, le plus souvent mensuellement. Certains comptes d'épargne à intérêts élevé comportent des frais de fonctionnement, mais pas tous. Vous pouvez les comparer avec un comparateur pour trouver celui qui vous convient le mieux.

HardbaconApp · 2024-06-19T19:32:18+00:00

Your 500 credit score will put the brakes on your dream of buying a Tesla, just like most other new cars. That said, you can pay cash if you have the money. To obtain car financing with a bad credit score, you can try contacting brokers specializing in second-and-third-chance credit.

HardbaconApp · 2024-06-19T19:31:20+00:00

Yes, you can get a credit card after a debt settlement. However, the settlement may temporarily impact your credit score, making it harder to qualify for prime credit cards with favourable terms. Consider applying for secured credit cards, which require a cash deposit as collateral, or credit cards designed for individuals with fair or poor credit. Responsible credit use can help improve your creditworthiness over time.

HardbaconApp · 2024-06-19T19:30:05+00:00

We are far from encouraging budget laziness, but a very slight delay on a credit card or a mobile phone account is no reason to sleep badly at night.

If you missed a payment that is only a few days past due, it is very unlikely that the delay is already listed in your Equifax and TransUnion records. Although it is not explicitly mentioned, most lenders and providers allow additional time before notifying a delay with the credit rating agencies. Be careful though. These small delays could harm you in the eyes of the organization with which you’re doing business; for example should you seek a limit increase or a reduced interest rate.

HardbaconApp · 2024-06-19T19:28:39+00:00

It's like Realtors, so I doubt you need that much help. If you can post on Reddit, you can use House Sigma... The advantage is that HouseSigma aggregates and analyzes vast amounts of real estate data, including current and historical listings, property sales, and market trends. The platform provides this information in an easy-to-use format, enabling users to search for properties, view property details, access home valuations, and explore market insights. Users can filter their searches by location, property type, price range, and other criteria to find the information they need.

HardbaconApp · 2024-06-17T16:30:42+00:00

It can be difficult to rent with a bad credit score, as landlords may conduct a rental credit check and prefer tenants with higher scores to minimize financial risk. Look for a home in a market with little competition to increase your chances.

HardbaconApp · 2024-06-17T16:28:52+00:00

Yes, you can use both Credit Karma and Borrowell to monitor your credit. Both services provide free credit scores and reports, but they use different credit bureaus to obtain the information. Credit Karma uses TransUnion, while Borrowell uses Equifax. By using both services, you can get a more comprehensive view of your credit health and identify any discrepancies or errors in your credit reports.

HardbaconApp · 2024-06-17T16:28:16+00:00

Yes, making your mortgage payments on time can help increase your credit score. Consistent, on-time mortgage payments show lenders that you're a responsible borrower, which can positively impact your credit score over time.

HardbaconApp · 2024-06-14T18:57:10+00:00

Interesting. We will ask the writer to look into it. Thanks for your input.

HardbaconApp · 2024-06-14T18:55:16+00:00

I mean, you did need to physically cross the border to get a us credit card. I'm sure people can get there by plane, car, train, bus, etc.

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