Borrow Smarter Canada

What you'll learn

1. 1
   Your real cost of borrowing

   APR vs interest rate, and why the difference can cost you thousands.
2. 2
   Reading your Canadian credit report

   Equifax vs TransUnion — what they each show and how to dispute errors.
3. 3
   The OSFI stress test, decoded

   How the qualifying rate works and how it changes what you can afford.
4. 4
   Debt consolidation: when it helps, when it hurts

   Three scenarios where consolidation backfires.
5. 5
   TFSA vs RRSP for paying down debt

   When emergency cash should come from each — Canadian-specific tax math.
6. 6
   Mortgage renewal playbook

   The 6/3/1-month checklist to never accept the first renewal offer.
7. 7
   Building a 12-month financial plan

   Putting it all together: budget, debt payoff, savings, credit.