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How Much Debt Is “Too Much”?

How Much Debt Is “Too Much”?

by debtandcreditsolutions | Dec 2, 2025 | Budgeting Tips/Finance 101

7 Warning Signs Nova Scotians Shouldn’t Ignore Get confidential debt help anytime — you’re not alone. Introduction: When Debt Starts to Feel Heavy If you’re reading this, it likely means something hasn’t felt right for a while.
Maybe your payments are getting harder...
10 Simple Ways to Enjoy the Holidays in Nova Scotia Without Overspending

10 Simple Ways to Enjoy the Holidays in Nova Scotia Without Overspending

by debtandcreditsolutions | Nov 25, 2025 | Budgeting Tips/Finance 101

*Because the season should bring peace of mind — not financial stress.* The holiday season is a beautiful time in Nova Scotia. Our small towns light up, local markets buzz with energy, and families gather to share moments that truly matter. Yet for many people,...
Buy Now, Pay Later: The Truth Behind BNPL in Canada (And Who It Really Helps)

Buy Now, Pay Later: The Truth Behind BNPL in Canada (And Who It Really Helps)

by debtandcreditsolutions | Nov 25, 2025 | Budgeting Tips/Finance 101

What Is Buy Now, Pay Later—and Why Is It Everywhere? “Buy Now, Pay Later” (BNPL) programs have exploded across Canada. Whether you’re shopping online, walking through a mall, or flipping through a flyer, you’ll see offers like: Pay in 4 instalments 0% interest...
Financial Scams:  Stay Alert

Financial Scams: Stay Alert

by debtandcreditsolutions | Mar 3, 2024 | Budgeting Tips/Finance 101, Debt Relief & Education

In today’s digital age, scammers employ increasingly sophisticated methods to defraud people of their hard-earned money. With advancements in technology, the methods used by fraudsters evolve rapidly, making it essential for individuals to stay informed and...
Smart Grocery Shopping: A Guide to Saving Money on Your Grocery Bill 

Smart Grocery Shopping: A Guide to Saving Money on Your Grocery Bill 

by debtandcreditsolutions | Jan 5, 2024 | Budgeting Tips/Finance 101

Grocery shopping is a necessity of life.  According to Stats Can, prices on groceries in Canada are up 20% on average in just the past two years.  This increase is making it harder and harder for consumers to afford groceries.  With a bit of planning, strategizing,...
Unlocking Financial Freedom: Pros and Cons of Using a Line of Credit to Pay Off Credit Card Debt

Unlocking Financial Freedom: Pros and Cons of Using a Line of Credit to Pay Off Credit Card Debt

by debtandcreditsolutions | Dec 21, 2023 | Budgeting Tips/Finance 101, Debt Relief & Education

In the intricate dance of personal finance, finding the most efficient strategy to manage debt is crucial. One popular option that often surfaces is using a line of credit to pay off credit card debt. This financial maneuver has its own set of advantages and...
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Toll Free: 1.855.733.3032

Email: dawn@goldingandassociates.ca

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HALIFAX OFFICE
168 Hobsons Lake Drive, Ste 301
Halifax, NS B3S 0G4 (Bayers Lake)
Call: 902.405.3832

KENTVILLE OFFICE
15 Aberdeen Street
Kentville, NS B4N 2M9
Call: 902.365.3032

DARTMOUTH OFFICE
2 Ralston Avenue, Suite 100
Dartmouth NS B3B 1H7
Call: 902.405.3832

HALIFAX OFFICE
168 Hobsons Lake Drive, Ste 301
Halifax, NS B3S 0G4 (Bayers Lake)
Call: 902.405.3832

KENTVILLE OFFICE
15 Aberdeen Street
Kentville, NS B4N 2M9
Call: 902.365.3032

DARTMOUTH OFFICE
2 Ralston Avenue, Suite 100
Dartmouth NS B3B 1H7
Call: 902.405.3832
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Toll Free: 1.855.733.3032
Email: dawn@goldingandassociates.ca

Golding and Associates Limited is a Licensed Insolvency Trustee helping Nova Scotians with bankruptcy and debt relief in Kentville and Halifax Nova Scotia.
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