Money management strategies go beyond budgeting. Learn about credit, investing, estate planning and more. Servus has a full team of financial, investment, insurance and trust/estate representatives ready to help.

Financial solutions just for you

• Find a savings account to help you meet your goals
• Bank your way, when it's convenient for you
• Invest your money for the future
• Choose borrowing solutions that best meet your needs

Planning my finances

• My finances - Six areas where I need to plan
• The Budget Book
• The Budget Workbook
• Establishing my contingency fund

Smart money management

• Commit to regular contributions
• Create my daily expense tracker
• Understanding mortgage payments
• Build a GIC laddering strategy
• Five RRSP tips
• Seven tips for spending my tax refund wisely
• Smart moves for RRSPs

Managing credit and debt

• The 5 Cs of credit
• The Credit Book
• What is a credit report?
• What's my debt service ratio?
• What to ask before acquiring new debt
• Create a debt reduction strategy
• What is revolving debt?
• What is instalment debt?
• Good debt versus bad debt
• Understanding the two types of debt

Calculators

• Emergency Savings Calculator

This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.

• Credit Card Pay off

Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.

• Accelerated Debt Payoff

Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

• Personal Debt Consolidator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.