debt

Scared of opening credit-card bills? Consolidating your debts will simplify your life and lighten your load. Here’s how

Some sobering news from a new TD Canada Trust survey — 30 percent of Canadians say they don’t have enough money to cover their living expenses (as in basics like rent and food).

Credit cards come in handy at this time of year, especially if you’re cash-poor and have a whack of friends, family and co-workers to buy for in a short amount of time.

If you know how to pick the right one, credit cards do have their benefits — getting points and rewards can earn you free stuff (and even free money!).

When Amrita Singh realized she had accumulated $8,000 in debt, she decided to change her ways.