2026-06-01T17:09:34+00:00https://saxonfinance.co.uk/Colin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover the legitimate paths to 100% student loan forgiveness in 2026. Learn about PSLF, IDR plans, and disability discharge options to clear your debt legally.

2026-06-01T17:09:34+00:002026-06-01T17:09:34+00:00Student LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

The student loan pause ended in late 2023. Learn if you still owe money, how the SAVE plan works, and what to do if you can't afford your payments in 2024.

2026-05-31T15:30:05+00:002026-05-31T15:30:05+00:00Student LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Looking for 7% interest in Canada? We reveal the reality of 2026 savings rates, compare HISAs vs GICs, and show how to maximize returns safely.

2026-05-28T19:02:01+00:002026-05-28T19:02:01+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Making $50k doesn't disqualify you from FAFSA. Learn how the new Student Aid Index (SAI), household size, and assets impact your Pell Grant and loan eligibility for 2026.

2026-05-28T15:35:05+00:002026-05-28T15:35:05+00:00Student LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover the top 3 types of insurance everyone needs: health, auto, and life. Learn how to choose the right coverage, avoid common mistakes, and protect your financial future.

2026-05-25T15:46:24+00:002026-05-25T15:46:24+00:00Life InsuranceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Explore the real downsides of buying Bitcoin: extreme volatility, lack of insurance, security risks, and tax complexities. Learn why crypto isn't for everyone.

2026-05-24T16:37:06+00:002026-05-24T16:37:06+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover what constitutes a good monthly pension in 2026. We break down government benefits, personal spending needs, and investment strategies to help you calculate your ideal retirement income.

2026-05-22T21:30:56+00:002026-05-22T21:30:56+00:00Retirement PlanningColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Get your remortgage approved faster in 2026 with this complete checklist of required documents. Learn what proof of income, ID, and property details lenders need to avoid delays.

2026-05-21T15:50:42+00:002026-05-21T15:50:42+00:00RemortgagingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover why many $100k earners live paycheck to paycheck. We explore the stats, lifestyle traps, and debt strategies to help you break free.

2026-05-17T15:41:21+00:002026-05-17T15:41:21+00:00Debt ManagementColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Explore whether mortgage rates will return to 3%. Analyze historical anomalies, current economic drivers, and realistic forecasts for future borrowing costs in a changing financial landscape.

2026-05-14T16:35:46+00:002026-05-14T16:35:46+00:00FinanceColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Having $100k saved at 30 is a strong financial position, placing you ahead of most peers. This guide breaks down how to evaluate your savings, manage debt, and invest for long-term growth.

2026-05-11T16:56:06+00:002026-05-11T16:56:06+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover where to find 7% interest on savings in 2026. We compare high-yield savings accounts, GICs, and CDs in Canada and the US, offering actionable tips to maximize your returns safely.

2026-05-10T17:25:20+00:002026-05-10T17:25:20+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Yes, you can buy a house after debt consolidation. Learn how long to wait, how to boost your credit score, and what lenders look for in 2026.

2026-05-07T17:36:55+00:002026-05-07T17:36:55+00:00Debt ManagementColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover why September is historically the worst month for crypto and how seasonal trends impact Bitcoin prices. Learn practical strategies to navigate market cycles.

2026-05-04T16:37:33+00:002026-05-04T16:37:33+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Find out exactly how much Bitcoin $1000 buys in May 2026. We break down fees, exchange rates, and strategies to maximize your crypto investment.

2026-05-03T16:31:46+00:002026-05-03T16:31:46+00:00CryptocurrencyColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover the hottest stocks and market trends for 2026. We analyze AI infrastructure, longevity biotech, solid-state batteries, and cyber-defense to help you invest smarter.

2026-04-30T16:16:10+00:002026-04-30T16:16:10+00:00InvestingColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Wondering if equity release is a smart financial move? Explore the pros, cons, and risks of lifetime mortgages and home reversion plans to protect your retirement.

2026-04-27T17:06:46+00:002026-04-27T17:06:46+00:00Equity ReleaseColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Discover the actual income limits for financial aid. Learn how the Pell Grant, SAI, and asset tests determine your eligibility regardless of your salary.

2026-04-26T16:30:00+00:002026-04-26T16:30:00+00:00Student LoansColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Is locking your money in a CD a smart move in 2026? Learn how to navigate interest rate risks, build a CD ladder, and choose between CDs and HYSAs.

2026-04-23T16:24:46+00:002026-04-23T16:24:46+00:00SavingsColin Eldridgehttps://saxonfinance.co.uk/author/colin-eldridge/

Learn what a credit trap is and how high interest and minimum payments keep you in debt. Discover proven strategies like the Debt Avalanche and Snowball to break the cycle.

2026-04-19T16:33:36+00:002026-04-19T16:33:36+00:00Debt ManagementColin 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/