{"id":104,"date":"2021-06-22T13:57:18","date_gmt":"2021-06-22T13:57:18","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=104"},"modified":"2025-03-10T07:24:26","modified_gmt":"2025-03-10T14:24:26","slug":"personal-finance","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/personal-finance","title":{"rendered":"Personal Finance"},"content":{"rendered":"\n<div class=\"wp-block-nerdwallet-blocks-page-title c-block-page-title\"><div class=\"c-block-page-title__wrapper\"><h1 class=\"c-block-page-title__title\">Personal Finance<\/h1><div class=\"c-block-page-title__intro\">Learn how to build a budget, save for retirement, check your credit score and more.<br><\/div><\/div><\/div>\n\n\n<div class=\"c-block-in-house-promotion is-advert-style__default wp-block-nerdwallet-blocks-in-house-ad\">\n\n\t\n\t<div\n\t\tclass=\"c-block-in-house-promotion__inner\"\n\t\tstyle=\"background-image: none;\"\n\t>\n\n\t\t\n\t\t<div class=\"c-block-in-house-promotion__content-wrapper\">\n\t\t\t\n\t\t\t<h3 class=\"c-block-in-house-promotion__title\">How does your credit stack up?<\/h3>\n\t\t\t\t\t\t\t<p class=\"c-block-in-house-promotion__content\">\n\t\t\t\t\tGet your credit score and understand what it means.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-block-in-house-promotion__cta wp-block-button\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-check-your-credit-score\" target=\"_self\" class=\"nw-cta track-click-mon wp-block-button__link wp-element-button\" data-placement=\"Promotional banner\">How to check your credit score<\/a><\/div>\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tThe basics\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-366\" class=\"c-block-card post-366 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-save-money\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-483783492-e1625170563882-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Save Money in 8 Easy Steps\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-save-money\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Save Money in 8 Easy Steps\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Trying to save money but not sure where to start? Follow these steps and watch your money grow. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-366 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-484\" class=\"c-block-card post-484 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/get-a-better-credit-score\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-1192724379-e1625610447213-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Get a Better Credit Score\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/get-a-better-credit-score\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Get a Better Credit Score\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Want to improve your credit? These strategies will demonstrate your creditworthiness to lenders and may help you build a better credit score. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/BarryChoi-e1626212860872-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Barry Choi<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/janine-devault\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Janine_headshot-150x150.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Janine DeVault<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-484 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-369\" class=\"c-block-card post-369 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-credit-reports-work\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-1214479802-e1625169976763-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Get a Free Credit Report in Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-credit-reports-work\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Get a Free Credit Report in Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Your credit report is a record of your credit history that&#8217;s used to calculate your credit score. Get your free credit report by contacting a credit bureau.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/janine-devault\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Janine_headshot-150x150.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Janine DeVault<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-369 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-482\" class=\"c-block-card post-482 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-check-your-credit-score\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-619405492-e1625170587794-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Check Your Credit Score in Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-check-your-credit-score\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Check Your Credit Score in Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>You can check your credit report for free by contacting Canada\u2019s two main credit bureaus, Equifax and TransUnion. Your credit score isn\u2019t always included in your report and may require paying a fee.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/janine-devault\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Janine_headshot-150x150.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Janine DeVault<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-482 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n<div class=\"c-block-in-house-promotion is-advert-style__default wp-block-nerdwallet-blocks-in-house-ad\">\n\n\t\n\t<div\n\t\tclass=\"c-block-in-house-promotion__inner\"\n\t\tstyle=\"background-image: none;\"\n\t>\n\n\t\t\n\t\t<div class=\"c-block-in-house-promotion__content-wrapper\">\n\t\t\t\n\t\t\t<h3 class=\"c-block-in-house-promotion__title\">Do you have the skills to achieve your financial goals?<\/h3>\n\t\t\t\t\t\t\t<p class=\"c-block-in-house-promotion__content\">\n\t\t\t\t\tWith these basic money management skills, you can feel better prepared for financial twists and turns.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-block-in-house-promotion__cta wp-block-button\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/money-management-skills\" target=\"_self\" class=\"nw-cta track-click-mon wp-block-button__link wp-element-button\" data-placement=\"Promotional banner\">Learn 6 essential money management skills<\/a><\/div>\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tYour questions, answered\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-three\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-486\" class=\"c-block-card post-486 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-soft-credit-inquiry\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-1225074478-e1625170644505-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How Do Credit Inquiries Work?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-soft-credit-inquiry\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow Do Credit Inquiries Work?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A soft inquiry pulls enough of your credit history to determine your creditworthiness; a hard inquiry is a formal review of your credit report. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/BarryChoi-e1626212860872-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Barry Choi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-486 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-381\" class=\"c-block-card post-381 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-good-credit-score\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-1313460559-e1625608885971-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Is a Good Credit Score in Canada?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-good-credit-score\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Is a Good Credit Score in Canada?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The definition of a good credit score depends on the reporting agency, but generally, scores above 660 are considered &#8220;good.&#8221;<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-381 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-378\" class=\"c-block-card post-378 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-credit-utilization\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/GettyImages-1197588847-e1625002140335-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Credit Utilization: How to Maintain an Ideal Ratio\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-credit-utilization\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCredit Utilization: How to Maintain an Ideal Ratio\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Utilizing less than 30% of your available credit is a common guideline. The less credit you use, the lower your credit utilization ratio will be.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/janine-devault\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Janine_headshot-150x150.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Janine DeVault<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-378 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tThe latest\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-three-unlimited\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82597\" class=\"c-block-card post-82597 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/burned-by-your-heating-bill-3-easy-changes-to-save-energy\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBurned by Your Heating Bill? 3 Easy Changes to Save Energy\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/bethbuczynski\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/beth_buczynski_720-e1626212928722-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Beth Buczynski<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82597 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82388\" class=\"c-block-card post-82388 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/money-lessons-i-learned-in-college-finance-nerds\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tMoney Lessons I Learned in College: Real Talk From 5 Finance Nerds\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82388 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82248\" class=\"c-block-card post-82248 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-i-avoided-getting-ripped-off-on-my-dads-funeral\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow I Avoided Getting Ripped Off on My Dad\u2019s Funeral\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div 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href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/3-ways-canadians-are-responding-to-the-trade-war\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t3 Ways Canadians are Responding to the Trade War \u2014 and What It Could Mean for Their Wallets\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/shannon-terrell\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Shannon-Terrell-headshot-e1648578818586-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Shannon Terrell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82138 -->\n<\/div><div 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height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/11\/DeborahKearns600x600-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82117 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82095\" class=\"c-block-card post-82095 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/5-prime-day-traps-to-avoid\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t5 Prime Day Traps to Avoid \u2014 and How to Actually Score Savings\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/shannon-terrell\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Shannon-Terrell-headshot-e1648578818586-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Shannon Terrell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82095 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82020\" class=\"c-block-card post-82020 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/out-of-work-and-in-debt-how-to-manage-it\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tOut of Work and In Debt? Here&#8217;s How To Manage It\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82020 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-81970\" class=\"c-block-card post-81970 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div 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-->\n\t<\/div>\n<\/div><!-- #post-81970 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-81629\" class=\"c-block-card post-81629 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/influencers-who-want-you-to-spend-less-paige-pritchard\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t4 Influencers Who Want You to Spend Less: Paige Pritchard\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-81629 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-81594\" class=\"c-block-card post-81594 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/influencers-who-want-you-to-spend-less-brennan-coker\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t4 Influencers Who Want You to Spend Less: Brennan Coker\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-81594 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-81567\" class=\"c-block-card post-81567 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/influencers-who-want-you-to-spend-less-christina-mychaskiw\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t4 Influencers Who Want You to Spend Less: Christina Mychaskiw\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-81567 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-81537\" class=\"c-block-card post-81537 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-personal-finance cluster-personal-finance\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/influencers-who-want-you-to-spend-less-sabrina-pare\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t4 Influencers Who Want You to Spend Less:  Sabrina Pare\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-81537 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Learn how to build a budget, save for retirement, check your credit score and more.<\/p>\n","protected":false},"author":16,"featured_media":687,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[13],"topic":[267],"cluster":[268],"pp_author":[85],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Finance - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"Making money, saving money, building wealth and protecting assets are part of personal finance. 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