Starting Off

Whether you’re pursuing a post-secondary education or getting your first full-time job, this is the time to manage debt and start good financial habits that will follow you though life.
Three students at a table in a study group.

Featured Articles


Photo of young couple looking out a window beside moving boxes. Homeowner or Renter for Life?

Owning a home has long been a traditional financial goal. Yet it’s getting harder to reach that goal. In January of 2018, a new mortgage stress test was introduced... Read More

June 10, 2019

Photo of a bac pack with sunglasses in the pocket. How to Save for your Next Vacation

Taking time off to relax and recharge from our busy, technology-driven lives has become so important. Getting through the long, frigid Canadian winter without a vacation can seem like a cruel punishment. Read More

April 15, 2019

Photo of a young, professional woman sitting on a couch working on her laptop. How to Set Financial Goals You’re Motivated to Achieve

What do you want to have and do in life? For many young people just beginning their adult lives, this is not an easy question to answer... Read More

February 18, 2019

Photo of a young person sitting on the floor with a laptop reviewing their account information. Creating Good Financial Health

Eating well, exercising regularly and getting a good night’s sleep all contribute to being mentally and physically healthy. But did you know ... Read More

November 12, 2018

Photo of four post-secondary students studying in the library. OSAP: What to Know Today & How It Can Impact Your Finances Tomorrow

If you’re an Ontario resident wondering about financing post-secondary education, chances are you’ve heard of OSAP. The Ontario Student Assistance Program (OSAP) is ... Read More

October 15, 2018

Photo of five young adults working together around a table and laughing. Top 10 Money Tips Before Heading off to College or University

1. Stay on top of your finances by using all channels to access your money while you’re away from home: KCU online banking and the mobile banking app for day to day transactions and... Read More

August 13, 2018

Photo of a young, professional male working outdoors on a laptop. Saving: Start Early and Make It Automatic

The best time to start forming good financial habits, like saving, is when you’re young. Because bad habits, like living beyond your means, can be very difficult to break as you get older....Read More

June 4, 2018

Photo of a young couple leaning on a full moving box and smiling. 5 Don’t-Skip Tips For a Getting an Apartment in a Competitive Rental Environment

It’s challenging to find an affordable apartment in today’s crazy rental market. Everyone seems to know someone eager to view a new place only to find it rented to someone else immediately....Read More

March 26, 2018

Photo of a young woman at a laptop making on online purchase with a credit card. The Pros and Cons of Credit Cards

For many people, getting a credit card is their first real foray into the world of personal finance. Sure, you may have earned money and spent it before, maybe made a mini-budget or two....Read More

November 6, 2017

Photo of a man with a cup of coffee creating a budget in a notebook. 5 Reasons It’s Important to Use a Budget

If you’ve recently moved out on your own, started a new job, or even moved away to attend college or university, you may have to manage your own finances for the first time ever....Read More

November 3, 2017

Photo of a man cutting vegetables on the counter and looking at a tablet. 10 Money Saving Tips

Managing your cash flow, while starting out, can be challenging. You don’t always have a steady stream of income and unexpected expenses can seemingly pop up out of nowhere....Read More

October 27, 2017

Photo of items on a table with a jar full of money. Ways to Save

“You have to save money!”  It’s a very general statement. We hear it all the time, but it turns out it can mean different things to different people....Read More

October 6, 2017

Photo of a smiling young black male leaning out of the driver’s side window holding his car keys. Why a Good Credit Score is Important: Building and Maintaining Good Credit

Are you doing everything you can to work towards good credit?
Establishing and maintaining good credit habits is important for building your credit score....Read More

September 15, 2017