2026-04-16T15:33:40+00:00https://saxonfinance.co.uk/Colin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Learn what the 80 rule in homeowners insurance is, how the coinsurance penalty works, and how to avoid partial payouts on your insurance claims.

2026-04-16T15:33:40+00:002026-04-16T15:33:40+00:00Home InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover how the 80 percent rule in homeowners insurance works, why it can lead to denied claims, and how to avoid the coinsurance penalty to protect your home.

2026-04-16T15:33:40+00:002026-04-16T15:33:40+00:00Home InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Wondering what credit score you need for a $5,000 loan? Learn the score tiers, where to apply based on your credit, and how to get approved with bad credit.

2026-04-13T16:48:58+00:002026-04-13T16:48:58+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Find out who is actually covered by your homeowners insurance. Learn about common exclusions regarding roommates, adult children, and tenants to avoid costly gaps.

2026-04-12T16:13:54+00:002026-04-12T16:13:54+00:00Home InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Learn how to access your home equity without refinancing your mortgage. Compare HELOCs, home equity loans, and personal loans to find the best cash-out option.

2026-04-09T16:40:09+00:002026-04-09T16:40:09+00:00Equity ReleaseColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Want to make money quickly with crypto? Explore high-risk strategies like day trading, meme coin speculation, and yield farming to accelerate your gains in 2026.

2026-04-06T15:37:47+00:002026-04-06T15:37:47+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Worried about bank failures in 2026? Learn how to spot warning signs, understand FDIC insurance limits, and protect your savings from potential collapses.

2026-04-05T16:31:03+00:002026-04-05T16:31:03+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover how hardship loans help during financial crises. Learn eligibility rules, types of assistance, risks, and better alternatives to manage debt effectively.

2026-03-30T16:31:30+00:002026-03-30T16:31:30+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Understand what remortgaging means in Canada, including the difference between switching lenders versus refinancing, and how to manage penalties.

2026-03-29T17:32:43+00:002026-03-29T17:32:43+00:00RemortgagingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

A comprehensive guide to understanding what assets belong in an ISA account, including types, allowances, and tax benefits for the 2025/2026 tax year.

2026-03-26T16:08:57+00:002026-03-26T16:08:57+00:00InvestingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Debt consolidation isn't a magic fix. It can lower monthly payments but often extends repayment, increases total interest, risks your assets, and doesn't fix spending habits. Understand the real downsides before you sign anything.

2026-03-23T15:50:36+00:002026-03-23T15:50:36+00:00Debt ManagementColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Zero-based budgeting gives every dollar a job before the month begins. It’s not about cutting back - it’s about control. Learn how this method helps people stop living paycheck to paycheck and start building real financial security.

2026-03-22T15:46:13+00:002026-03-22T15:46:13+00:00BudgetingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Can you live on $1000 a month after bills in Toronto? Yes-but only with debt consolidation, shared housing, and strict budgeting. Real stories show how people cut costs, use food banks, and escape credit card traps to survive-and even save.

2026-03-19T15:51:14+00:002026-03-19T15:51:14+00:00BudgetingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Debt consolidation loans may seem like a simple solution to multiple debts, but they come with hidden risks - longer repayment terms, higher long-term costs, credit damage, and the danger of falling back into debt. Learn why this option isn't always the answer.

2026-03-16T15:54:53+00:002026-03-16T15:54:53+00:00Debt ManagementColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

To qualify for a $30,000 personal loan in Canada, you typically need a credit score of 660 or higher. Higher scores mean lower interest rates and better terms. Learn how lenders evaluate your application and what to do if your score is too low.

2026-03-15T15:44:18+00:002026-03-15T15:44:18+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Debt consolidation seems simple on paper, but real-world barriers like credit scores, income limits, and lender rules make it tough. Learn why it’s harder than you think-and what actually works to get out of debt for good.

2026-03-12T15:43:39+00:002026-03-12T15:43:39+00:00Debt ManagementColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Not all low-priced cryptos can reach $1. Learn which real projects have the tech, adoption, and supply to make it-and why most won't. Stop chasing memes and start investing smart.

2026-03-08T15:58:28+00:002026-03-08T15:58:28+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Need $500 fast with bad credit? Learn the safest, cheapest ways to borrow-avoiding payday loan traps and finding real help through credit unions, community programs, and family support.

2026-03-05T15:51:21+00:002026-03-05T15:51:21+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

If you cancel your homeowners insurance, you usually get a refund for the unused portion of your premium-but fees and policy terms can reduce it. Learn how refunds work, when you might not get one, and how to avoid costly mistakes.

2026-03-01T15:43:24+00:002026-03-01T15:43:24+00:00Home InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

In 2026, the best crypto to invest in isn't about hype - it's about real use. Bitcoin, Ethereum, Solana, Polkadot, and Chainlink lead with proven adoption, infrastructure, and utility. Here's what actually matters now.

2026-02-23T15:55:29+00:002026-02-23T15:55:29+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

If you make $60,000 a year, you can expect about $1,250 monthly from CPP at age 65, plus $728 from OAS. Total retirement income is around $23,700 annually. Waiting until 70 boosts it to over $30,000.

2026-02-22T15:34:54+00:002026-02-22T15:34:54+00:00Retirement PlanningColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Is it better to remortgage with your existing lender? Often, staying put saves fees and hassle-but only if you ask for the right deal. Learn when to stay and when to switch.

2026-02-19T15:56:13+00:002026-02-19T15:56:13+00:00RemortgagingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Only 12% of Canadian households have over $100K in savings. Reaching $300K is rare - and requires high income, early starts, or homeownership. Here’s what actually works.

2026-02-16T15:50:30+00:002026-02-16T15:50:30+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Home insurance in Canada typically covers fire, theft, storms, and liability-but not floods, earthquakes, or wear and tear. Know what's included, what's excluded, and how to avoid being underinsured.

2026-02-15T15:57:27+00:002026-02-15T15:57:27+00:00Home InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

An 850 credit score is rare but achievable. Learn who has it, how they got there, and whether it's even worth chasing. The truth may surprise you.

2026-02-12T15:47:13+00:002026-02-12T15:47:13+00:00Credit CardsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

The 40-40-20 budget rule divides your take-home pay into 40% for needs, 40% for debt repayment, and 20% for savings. It's a powerful tool for getting out of debt faster while still saving for the future.

2026-02-09T15:58:11+00:002026-02-09T15:58:11+00:00BudgetingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

The best time to buy a car in Canada is December for new models and January for used cars. Dealers clear inventory, hit sales targets, and offer the deepest discounts during these months. Avoid spring-prices peak then.

2026-02-08T15:33:19+00:002026-02-08T15:33:19+00:00Car FinanceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

The best time to buy a car is in December, when dealers clear out inventory to meet year-end sales targets. End-of-month sales and model year transitions also offer major discounts. Avoid January and early spring for the best deals.

2026-02-08T15:33:19+00:002026-02-08T15:33:19+00:00Car FinanceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Student loans don't automatically hurt your credit-when managed well, they can build your credit history. Learn how timely payments, avoiding default, and using programs like Repayment Assistance Plan help your score. Discover common myths and practical tips for Canadians.

2026-02-05T16:14:42+00:002026-02-05T16:14:42+00:00Student LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Closing a credit card with zero balance can hurt your credit score by raising your utilization rate and shortening your credit history. Learn when to keep it open and smart alternatives to avoid damage.

2026-02-02T15:46:51+00:002026-02-02T15:46:51+00:00Credit CardsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

How long will $400k last in retirement? In Canada, it depends on your spending, inflation, and investments. Learn how to stretch your savings with real numbers and practical steps for retirees.

2026-02-01T15:36:19+00:002026-02-01T15:36:19+00:00Retirement PlanningColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Find the best website for stock investing in 2026 based on your goals. Compare top platforms like Questrade, Wealthsimple Trade, and Fidelity for fees, tools, and ease of use - no fluff, just what works.

2026-01-29T15:43:46+00:002026-01-29T15:43:46+00:00InvestingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Pay off $30,000 in debt in one year with a realistic plan, aggressive budgeting, and the avalanche method. Learn how to cut costs, boost income, and avoid common traps that keep people stuck.

2026-01-22T15:48:56+00:002026-01-22T15:48:56+00:00Debt ManagementColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

The simplest budgeting method is zero-based budgeting done the easy way: assign every dollar a job, track what you spend, and adjust monthly. No apps, no stress, just control.

2026-01-19T15:34:23+00:002026-01-19T15:34:23+00:00BudgetingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

As of January 2026, $100 buys about 0.001118 BTC at a Bitcoin price of $89,400. Learn how to buy, track, and understand the real value of small Bitcoin investments.

2026-01-18T15:32:53+00:002026-01-18T15:32:53+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Can you make $100 a day with crypto? Yes - but only with real strategy, capital, and discipline. Learn the three proven ways, the hidden risks, and why most people fail.

2026-01-15T15:36:51+00:002026-01-15T15:36:51+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

You can borrow with a credit score as low as 300, but it comes with high costs. Learn the real minimum scores, how lenders decide, what you'll pay, and how to rebuild your credit after a bad credit loan.

2026-01-12T15:33:25+00:002026-01-12T15:33:25+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Find the right credit card without the guesswork. CardMatch compares real-time offers based on your credit score and spending habits - showing you only the cards you qualify for and actually need.

2026-01-11T15:47:43+00:002026-01-11T15:47:43+00:00Credit CardsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Canceling a credit card can hurt your credit score by raising your utilization rate or shortening your credit history. Learn when it's safe to close a card and how to avoid damaging your score.

2026-01-08T15:43:58+00:002026-01-08T15:43:58+00:00Credit CardsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

How long your pension lasts depends on your savings, inflation, healthcare costs, and how long you live. Learn what actually works for Canadian retirees in 2026 - and how to avoid running out of money.

2026-01-01T15:46:04+00:002026-01-01T15:46:04+00:00Retirement PlanningColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

In 2025, Warren Buffett added to his Chevron stake and bought a major position in The Bank of New York Mellon. Both picks reflect his timeless value investing strategy: steady cash flow, strong moats, and shareholder returns.

2025-12-29T15:48:30+00:002025-12-29T15:48:30+00:00InvestingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Looking for the easiest personal loan in 2025? Discover which lenders approve fast, even with bad credit, and how to avoid scams. Get real options from KOHO, Money Mart, Borrowell, and more.

2025-12-28T15:35:44+00:002025-12-28T15:35:44+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

The golden rule of credit card use is simple: pay your balance in full every month. Stop paying interest and start building credit and wealth. This rule beats rewards, 0% offers, and minimum payments every time.

2025-12-25T15:58:39+00:002025-12-25T15:58:39+00:00Credit CardsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Learn the 7 simple, real-world steps to budgeting that actually work-no spreadsheets or extreme cuts needed. Start controlling your money today.

2025-12-22T15:48:46+00:002025-12-22T15:48:46+00:00BudgetingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Find out exactly how much you’d pay monthly on a $5,000 personal loan in Canada, based on real interest rates and loan terms. Includes breakdowns, lender tips, and how to save money.

2025-12-21T15:47:24+00:002025-12-21T15:47:24+00:00Personal LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Should you put money down when financing a car? It depends on your credit, savings, and whether you're buying new or used. Learn when a down payment saves you money-and when keeping cash is smarter.

2025-12-15T15:56:18+00:002025-12-15T15:56:18+00:00Car FinanceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Replacement cost price in home insurance is the amount needed to rebuild your home from scratch at current prices. Learn why it matters more than market value and how to make sure you're covered.

2025-12-14T16:53:17+00:002025-12-14T16:53:17+00:00Home InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Saving $600 a month is a strong habit for most Canadians. It builds emergency funds, grows retirement savings, and creates financial freedom. Learn how it stacks up against inflation, debt, and home prices in 2025.

2025-12-11T15:57:40+00:002025-12-11T15:57:40+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

US citizens can open ISAs in the UK, but IRS rules make them risky. Learn why tax-free UK savings can trigger costly reporting and penalties-and what better alternatives exist.

2025-12-08T15:30:05+00:002025-12-08T15:30:05+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

US citizens can open an ISA if they're UK tax residents, but the IRS doesn't recognize it as tax-free. Learn why it often creates more tax problems than savings-and what to do instead.

2025-12-04T16:09:14+00:002025-12-04T16:09:14+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/