Comments for Canadian Personal Finance Blog - Seite 2 
Comment on Ethical Investing? by bigcajunman
In reply to <a href="https://www.canajunfinances.com/2025/11/29/ethical-investing/#comment-130479">Francois</a>. I was under the false impression that their parent company was a pay day loan supplier, I was incorrect, and will adjust my article, accordingly, thanks.
Can you say more about EQ Bank being in the category of Payday Loan companies? Looking at their product offerings, I don't see the connection.
Comment on Are We Running Out of Social Insurance Number (s) ? by b
In reply to <a href="https://www.canajunfinances.com/2014/04/15/are-we-running-out-of-sin/#comment-129539">Csan</a>. Read about ncluded check digits.
Comment on Make More by Reducing Debt by Young Without Money
As someone in their 30s trying to stay afloat in a country where rent now comes with a side of despair, this article resonates nicely. It’s simple, maybe too simple, but that’s the point. Reducing debt isn’t sexy, but it works. And honestly, most of us don’t want to ask our boss for a raise because… well, we’re scared they’ll say, “In this economy?” What’s refreshing is that the math isn’t hidden behind jargon. It’s clean, blunt, and reminds me that skipping Uber Eats and throwing that $40 toward my credit card isn’t pointless. That said, some modern touches would be great: mention snowball vs. avalanche debt repayment, or even how credit card interest compounds faster than a YouTube rabbit hole. But overall, solid advice with no judgment just how we like it.
Comment on Credit Card Cheques, What Gives? by Young Credit Victim
Credit card cheques are the cockroaches of the financial world — no one wants them, everyone shreds them, and yet they just. keep. coming. Despite multiple regulatory overhauls to improve transparency, payment fairness, and consent, these paper traps remain completely legal in Canada. They’re marketed as “convenient,” but what they really do is blur the line between credit and cash — often at a cost. Unlike regular purchases, credit card cheques can be treated like cash advances with no grace period and higher interest. Plus, if someone steals one? It’s just like someone cashing a personal cheque against your account. A total liability. Best practice? Shred on sight. Or better yet, switch to e-statements and save your recycling bin from unnecessary drama.
Comment on Choices: ETF, Mutual Fund, Index Fund, GIC’s, Stocks, Hedge Funds,… by Young Lost Investor
Trying to invest without becoming a finance bro, this article is both hilarious and painfully real. It hits on something that many personal finance influencers skip: before you invest, you have to open the right kind of freakin’ account. You don’t need six tabs open comparing MERs if you haven’t even logged into My CRA to check your RRSP room. (Guilty.) That said, I’d love a checklist or flowchart. Most of us are visual learners with limited attention spans and lots of debt. Tell me: TFSA or RRSP? Bank or brokerage? Robo-advisor or couch potato? Still, the voice is warm, smart, and like talking to that uncle who knows what he’s doing but never makes you feel dumb for asking.
Comment on One Phone Call and $1200 Dollars Later by Red Tory
As a young Canadian in 2025 who’s juggling rent that costs more than my parents' first mortgage, I respect this article — but it also highlights a generational divide. Cable? In 2025? Most of us are streaming, stealing, or outright cancelling traditional subscriptions. Still, this advice is timeless — whether it's Rogers, a mobile plan, or Spotify Family, negotiating is a life skill. That said, the original post could be updated with examples that resonate today — like haggling with Bell over internet bundles, or calling Telus to negotiate a data plan after threatening to switch to Fizz. Also, maybe throw in a script or cheat sheet for readers like me who get mild panic attacks just thinking about phoning customer service. We weren’t raised with landlines, OK?