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How to Resist the Impulse Buy

Dec 3, 2012

Oh, the impulse to buy — so hard to resist. And apparently the majority of us don’t. According to a recent Bank of Montreal survey, 59 per cent of people admitted to impulse shopping, done mostly to cheer themselves up. If you frequently make...Read more

Grown-Up Kids Meet Money

Nov 26, 2012

Shipping kids off on their own: the day many parents love and loathe, both counting the days to and reminiscing about how fast it all went. Since money management is a huge part of flying solo we’ve shared a few thoughts to consider when you pass along...Read more

Financial Survival Tips for the Holiday Season

Nov 19, 2012

With the constant talk about personal debt levels and the economy, a looming holiday season may be the last thing a lot of Canadians want to think about. Like it or not, that time of year will be upon us before you know it! If the thought of the upcoming...Read more

Sands & Associates Releases First Annual BC Consumer Debt Study

Nov 5, 2012

FOR IMMEDIATE RELEASE: November 5th, 2012 (Vancouver, B.C.) – Sands & Associates, B.C.’s largest firm of licensed trustees and proposal administrators announces the results of its first annual BC Consumer Debt Study, profiling trends and key...Read more

Four Ways to Find a Little Extra Room in your Budget

Oct 11, 2012

So you find yourself in want (or possibly in need) of some extra cash. Picking up more hours at work or signing up for your neighbour’s pyramid scheme aside, here are some thoughts on how to find a little extra room in your budget: Sell Stuff You...Read more

Teens and Their Dollars

Sep 17, 2012

If you’ve got a teen (or pre-teen) under your roof, you’ve likely noticed that besides a scarcity of food, what was once a sufficient allowance or financial life lesson for Junior (i.e. “do your chores, don’t spend it all at the candy shop”)...Read more

Starting Kids’ Allowances

Sep 10, 2012

When it comes to children, one of the myriad goals in raising them is to teach them enough about money that they are able to become financially independent once they reach adulthood. Many adults relate that their own problems with finances and budgeting stem...Read more

5 Ways to Beat Financial Stress

Aug 27, 2012

Financial stress — it can be a vicious cycle, really. From life events (divorce, illness or job loss) to life lessons (overspending, poor budgeting), debts and other financial responsibilities can really pile up. Once the stress starts many people wind...Read more

Consumer Proposals – Your Questions Answered

Jul 23, 2012

If you’re new to the realm of debt resolution options, or you feel the need to replenish your financial memory banks, there may just be some fogginess as to what exactly a Consumer Proposal is. Read ahead for some assistance in clearing the air around...Read more

Quick Sands Tip of the Week: Automatic Savings

May 14, 2012

Join Sands & Associates each week (for about 60 seconds) and catch a Quick Sands tip of the week to help guide you to better financial management. This week's financial tip is about automatic savings. Contributing to your savings should be a top...Read more

Spring-Clean your Monthly Expenses

Apr 10, 2012

As the days get lighter and the weather (hopefully) improves, there’s less and less doubt about it – spring is here! Like most people, you’ve probably accumulated a list of springtime to-do’s around the house throughout the winter. But don’t...Read more

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How Do I Get a Consumer Proposal Loan?

Jul 10, 2023

Consumer Proposals are a unique solution for Canadians to consolidate and cut their debts, without needing new financing or loans. Read on to understand how filing a Consumer Proposal works, how you can finish a Consumer Proposal early – and why you should...Read more

What Happens When You Can’t Pay Your Debt?

Jul 10, 2019

Money problems often sneak up on consumers, and few people are prepared to face unexpected financial hardships that leave them unable to repay their debts as planned. If you’re worried about being unable to pay your credit cards or other debts, read on to...Read more

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