Bubblepreett Randhawa

Budgeting helps track and trim expenses.
Use online banking or apps to monitor spending.
49% of Canadians lack emergency funds.
Paying down credit card debt saves on interest.
Adjust bills and groceries to increase savings.

Steps to Achieve Your Financial Goals

Pay on time — always. Your payment history makes up the largest part of your score. Even one late payment hurts.
Keep balances low. Aim to use less than 30% of your credit limit — high usage signals risk to lenders.
Don’t close old accounts. Older accounts boost your credit age — keep them open to show consistency.
Limit new applications. Too many hard inquiries can lower your score. Apply only when necessary.
Check your report regularly. Spot errors or fraud early — dispute mistakes to protect your financial reputation.