Ask Roesie

Great night getting out and connecting with some amazing people in the Calgary community.

I attended the launch party for Braven Talent, proudly sponsored by Christopher Matugas, last week. The event was hosted at the beautiful Blue Rock Swim Club and brought together a great group of people for an evening of conversations, new connections, and celebrating a new venture.

Events like this are always a great reminder of how strong the local business community is and how valuable it is to step away from the desk and connect with people in person.

Congratulations to the Braven Talent team on the launch. Looking forward to seeing what comes next.

It is never too late to rebuild your credit.

A lot of people assume that once they reach retirement, credit does not matter anymore. But that is not always the case.

You may still want access to financing for things like a vehicle, helping family, renovations, or managing unexpected expenses. And lenders will still look at your credit history when making those decisions.

The good news is that credit is built the same way at any age.

Consistent habits.
Paying bills on time.
Keeping balances manageable.

Showing lenders you can handle credit responsibly.

Whether you have no credit, bad credit, or already good credit, every single payment helps shape your financial reputation.

Buy Now, Pay Later sounds simple.

Take the item home today and pay for it later. And sometimes it can work just fine. But there is one thing many people miss.

If the balance is not paid off within the interest-free period, interest can be applied all the way back to the original purchase date.

That can turn a small purchase into a much bigger bill.

If you are using Buy Now, Pay Later programs, make sure you have a plan:

• Pay the balance off before the promotional period ends
• Or move the balance to a lower-interest option before interest kicks in

Deferred payment is still debt. The key is making sure the timing works in your favour.