Jeffrey Schwartz
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Jeffrey Schwartz is the Executive Director of Consolidated Credit Counseling Services of Canada and President of the Credit Association of Greater Toronto (CAGT). Consolidated Credit is a national non-profit credit counselling organization that teaches consumers about personal finance through web-based budget and debt analysis tools, financial literacy community outreach programs and in-person or telephone counselling. CAGT is a non-profit association with a mission to provide a dynamic forum in which members can share information and expertise.

Entries by Jeffrey Schwartz

What To Consider When Lending Money To Loved Ones

(11) Comments | Posted July 29, 2014 | 5:23 PM

Have you ever had one of your friends ask to borrow money from you? Most of us are willing to oblige when the amount is small -- like $10 or $20 -- but what about when the amount is more significant? You are placed in an extremely difficult spot when...

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How To Start Pulling Yourself Out of Debt

(5) Comments | Posted July 14, 2014 | 5:27 PM

In modern times, we pride ourselves on being open-minded and scoff at some of the social conventions that held power over previous generations. Topics like religion, sexual orientation and race are spoken about much more freely now than they ever were in the past. And yet, there is one taboo...

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Saving Tips for Canadians, Eh?

(2) Comments | Posted June 24, 2014 | 12:23 PM

She's grown in size since her birth and acquired some friends along the way. She's had some money troubles, gotten in a few fights and had her share of both good and bad times. She's maintained a fairly good relationship with her mother even though they aren't as close as...

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This Father's Day, All Your Dad Really Wants Are the Three B's

(0) Comments | Posted June 9, 2014 | 5:24 PM

The third Sunday in June is set aside as a day to honour our fathers for everything they have done for us. That includes, but is not limited to: killing spiders, playing catch, going fishing, cutting the grass, taking out the garbage, waking up for 7 am hockey practices, walking...

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We Can Learn a Lot About Saving Money From Victorian England

(4) Comments | Posted May 14, 2014 | 12:32 PM

A horse-drawn carriage rolls down the street, a chimney sweep heads off to work, and a chamber pot is emptied out of a second floor window. This is the image we have of the Victorian Era which got its name from the woman we celebrate each May, Queen Victoria.

People...

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Thoughtful Mother's Day Gifts That Won't Break the Bank

(0) Comments | Posted May 7, 2014 | 8:39 AM

"It's the thought that counts." Your mother may have taught you those words when you were growing up because she wanted you to know that the price of a gift is not as important as the feeling behind it.

So, with Mother's Day right around the corner, Consolidated Credit...

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Simple Ways to Make Tax Season Painless

(1) Comments | Posted April 11, 2014 | 12:38 PM

Tax season has begun. This yearly tradition is dreaded by many Canadians, but it doesn't need to be. Taxes are what keeps our roads paved, our schools running, and our health care free. When we think about the money we give to the government, we don't always realize that our...

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Forget the Garage, Spring Clean Your Finances!

(0) Comments | Posted March 6, 2014 | 2:48 PM

Spring your clock and your financial health forward

After a long and cold winter, most of us can hardly wait for fairer weather and the first signs of spring. For many, the first sign of brighter days to come occurs this weekend when we spring our clocks forward.

And for...

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Have a Credit-Friendly Turkey Day

(0) Comments | Posted October 7, 2013 | 11:08 AM

Does Thanksgiving dinner leave you feeling like a turkey? Hosting dinner for friends and family can leave you feeling thankful, but let's face it, putting on a Thanksgiving spread isn't exactly cheap!

Turkey alone can run you upwards of $50, and when you included all the trimmings -- stuffing,...

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10 Tips to Prevent Identity Theft and Fraud

(0) Comments | Posted March 1, 2013 | 11:24 AM

March is Fraud Prevention Month, and the RCMP, Competition Bureau and Anti-Fraud Centre want to use this month to educate Canadians and raise awareness about common fraud trends and scams.

Every year thousands of Canadians fall victim to identity theft and fraud. By using your name,...

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There's No Such Thing As a Miracle Fix For Debt

(0) Comments | Posted February 5, 2013 | 11:51 AM

A new pair of shoes charged to your credit card? A family vacation paid for with your line of credit? Dinner with friends financed by your overdraft? Whatever the expense is, charging up a pile of unsecured debt can often be a lot of fun and at times...

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Pie-in-the-Sky Resolutions Won't Get You Out of Debt

(0) Comments | Posted January 3, 2013 | 11:25 AM

The start of another New Year provides us with the opportunity to reflect on the past and think about the improvements we want to make moving forward. For a large number of Canadians, these wishes and hopes for positive change typically include tackling debt and getting our financial house in...

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Have You Already Busted Your Holiday Budget?

(0) Comments | Posted December 6, 2012 | 11:00 PM

We have all been there. Two weeks before the winter holidays, three gifts left to buy and zero dollars left in the holiday budget. If you are like most Canadians, this is the exact moment you will reach into your wallet and pull out that emergency credit card...

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Shopping Online? How to Avoid Identify Theft

(1) Comments | Posted November 14, 2012 | 7:16 AM

Cyber Monday is quickly becoming one of the most popular shopping days of the year with many Canadians making purchases online to find great savings on their holiday expenses. In fact, 34 per cent of Canadians took part in the Cyber Monday shopping craze in 2011 (Ipsos Reid).

This...

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Easy and Fun Ways to Teach Your Kids About Money

(1) Comments | Posted September 28, 2012 | 7:19 AM

The average Canadian owes $1.54 for every dollar earned. That's a lot of money. This year, many families will pay about the same amount in interest on credit cards as they spend for food!

Being debt-free or eliminating debt is more than merely a financial battle; for...

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Always a Bridesmaid? Here's How to Save

(1) Comments | Posted June 12, 2012 | 12:38 PM

In the movie 27 Dresses, Katherine Heigl's character was always a bridesmaid. She had a
closet full of puffy dresses she never would wear again, and hosted countless showers and
bachelorette parties. Money was no object. Meet Jennifer Hills, a communications advisor and
recent condominium owner who...

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