The back-to-school season is supposed to feel hopeful. It’s the fresh start, the new shoes, the sharp pencils, the excitement of what’s next. But for many Canadian parents, especially those already walking the financial tightrope, it’s also the most stressful time of year. Not because of the unknowns, but because of the very known: the […]
Fast Loan, Fast Mistakes: What to Know Before You Apply Anywhere
When life throws unexpected expenses your way, be it a sudden car repair, an urgent medical bill, or an essential home fix, quick access to funds can feel like a lifeline. That’s why fast online loans have become a go-to solution for many Canadians looking for quick cash in emergencies. But while the convenience is […]
How to Build Credit Without a Credit Card: Smart Moves You Can Make Today
When people talk about building credit, the conversation almost always turns to credit cards. But what if you don’t have one, or simply don’t want one? Whether you’re just starting out or rebuilding after financial setbacks, there are smart, safe, and strategic ways to grow your credit score without ever swiping plastic. At GoDay, we […]
Soft vs. Hard Credit Checks: Why It Matters When You’re Applying for a Loan
Understanding how your credit is checked can shape the outcome of your next loan application. Whether you’re applying for your first personal loan, exploring short-term solutions, or repairing your financial footing, knowing the ins and outs of soft and hard credit checks puts you in control. This guide walks you through what each type of […]
Cash Cushion or Credit Crutch? Knowing When a Loan Makes Sense
We all hit those moments in life when our savings can’t quite stretch far enough. Maybe it’s a car that won’t start the morning of a big job interview, a dental bill that arrived earlier than expected, or just life reminding you it doesn’t follow your budget. That’s when many ask: “Should I borrow money […]
What’s the Real Cost of Falling Behind on Payments in Canada?
Most of us don’t set out to miss payments. But life doesn’t always stick to the budget. An unexpected car repair, a late paycheque, or even a spike in grocery prices can throw everything off. Before you know it, rent is overdue, your credit card minimum is still unpaid, and you’re juggling phone calls from […]
Emergency Fund vs. Line of Credit: What Should You Use in a Crisis?
When life throws a financial emergency your way, you don’t get a warning, you just get a bill. In that moment, the real question isn’t if you’ll need money. It’s where you’ll get it from, fast, safely, and smartly. At GoDay, we know how overwhelming unexpected expenses can feel. That’s why we’re breaking down the […]
Credit Score Myths That Are Costing You Money
There’s a lot of advice out there about credit, and not all of it deserves your trust. Unfortunately, misinformation often spreads faster than facts. At GoDay, we see it all the time: smart, capable people making costly credit decisions because they’ve been misled by myths that sound convincing but couldn’t be further from the truth. […]
The Psychology of Overspending: Why It Happens and How to Stop the Cycle
It’s never just about the money. It’s the late-night scroll, the one-click splurge, the thrill of new, followed too often by a sinking feeling. If you’ve ever wondered why it keeps happening, you’re already asking the right question. At GoDay, we know how easy it is to fall into spending patterns that don’t truly serve […]
Financial Survival in 2025: How Young Canadians Are Making Ends Meet
Financial survival in 2025 looks nothing like it did even five years ago. For Gen Z and millennials in Canada, the concept of “making ends meet” has become more of an ongoing strategy than a steady state. With inflation still stubbornly affecting everyday essentials, from rent to ramen, young Canadians are rewriting the rules of […]
