Before Christmas.

Steps to Managing Debt

Canadians may wake up in the new year with a doozy of a post-holiday debt hangover.

Track Your Spending

Reduce the number of credit card balances you carry

Evaluate Your Habits

 Renegotiate service contracts (Cable, internet and phone companies often release attractive rate packages to lure new customers.  If you’ve been a loyal customer of these providers for some time, or your contracts are coming up for renewal, ask them to match competitors’ rates or give you the same packages offered to new clients

Reduce your household energy consumption

Simple actions such as weather stripping to cut down on heating costs, and turning off or unplugging appliances and electronic equipment when not in use can help you reduce your monthly utility bills year round

Paying Your Debt

Pay off the highest interest costs first. Pay the maximum amount on higher interest cards and pay the minimum payment on all other debt. Transfer balances to a credit card with better terms or good low introductory rates.

Lower your entertainment expenses

Monitor Your Credit

Review your credit report at least every 6 months.

Get Professional Help

A financial planner, tax or mortgage professional to review some of the  options that may be available to you.

Irina Oulanova
Sales Representative

CENTURY 21 Miller Real Estate Ltd
Brokerage Independently Owned And Operated
467 Speers Road, Oakville, Ontario L6K 3S4

Direct Line: 416-795-5635 Office 905-845-9180 | Fax: 905-845-7674

If you do not wish to receive further emails from this email address please reply at and include "unsubscribe" in the subject line.


Irina Oulanova

Irina Oulanova

Sales Representative
CENTURY 21 Miller Real Estate Ltd., Brokerage*
Contact Me