Heidi Unrau is a senior finance journalist at Hardbacon. She studied Economics at the University of Winnipeg, where she fell in love with all-things-finance. At 25, she kicked-off her financial career in retail banking as a teller. She quickly progressed to become a Credit Analyst and then Private Lender. This hands-on industry experience uniquely positions her to provide expert insight on loans, credit scores, credit cards, debt, and banking services. She has been featured in publications such as WealthRocket, Scary Mommy, Credello, and Plooto. When she's not chasing after her two little boys, you'll find her hiding in the car listening to the Freakonomics podcast, or binge-watching financial crime documentaries with a bowl of ice cream. Fun Fact: Heidi has lived in five different provinces across Canada and her blood type is coffee.
Credit Card Chargebacks: 5 Easy Steps to Dispute a Transaction
Credit card chargebacks are a way for us to dispute transactions when something goes awry. If you have ordered something online using your credit card, you may have encountered a situation where the package never arrived, the goods were not…
How to Find a Legit Guaranteed Approval Loan for Poor Credit in Canada
So you knocked on the door of every bank in town, only to have them slam it in your face? It’s a demoralizing experience. But guaranteed approval loans for poor credit can be a lifesaver in some instances. Are these…
How to Get a US Credit Card in Canada
A growing number of Canucks who have canadian credit cards are looking for ways to get a US credit card in addition, because of the unique benefits they offer. With over 76 million credit cards circulating in the Great White…
The 5 Best Car Seats in Canada
Researching the best car seats in Canada can feel overwhelming. However, we've simplified the process by gathering the top choices that prioritize your child's safety and comfort in one comprehensive list. When buying a car seat, you walk a tightrope…
My Experience with Ndax: Pros, Cons, and Hidden Costs
Ndax is a Calgary-based cryptocurrency exchange platform known for having the lowest trading fees in Canada. But is that really true? I opened an account and tested the platform for myself. Ndax has simplified the buying and selling process for crypto-enthusiasts of all…
40 Finance Podcasts Every Canadian Should Listen To
Your headphones can make you wealthy. If you want to achieve financial independence, you need to level up your financial literacy. But who has time to find and read all the personal finance content out there? As a busy working…
Using Your RRSP To Buy A House: Everything You Need To Know About The Home Buyers Plan
With the Home Buyers Plan (HBP), you can use the funds you’ve accumulated in your Registered Retirement Savings Plan (RRSP) tax-free to purchase your first house. Sounds too good to be true, right? Well, almost. There are conditions and rules…
Leasing a Car vs Buying a Car in Canada: Which One is Better?
Popular belief favors buying a car, but is it justified? These days, the average price of a new car is over $65,000. And that’s not counting car insurance, gas, maintenance and repairs. By leasing a vehicle, you can generally save…
KOHO vs Neo Financial: Who Wins the Battle for Your Buck?
Both KOHO and Neo are Canadian fintech startups that offer out-of-the-box digital banking services. These two platforms are becoming increasingly popular among millennials and younger Canadians because they provide an alternative to traditional banking with low or no fees, a…
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