My morgage is up for renewal in May 2014. I have 40000 left on it, original amount of 56000 at a rate of 5.12%. I called my Caisse Desjardins advisor who told me I could not get a lower rate unless I increases my loan to 56,000 plus notary fees. I asked her to increase my weekly morgage payments t 100$ instead of 70$ and plan to put a lump sum of 4000$ per year. Should I look for another bank ?

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I had been with my girlfriend for 3.5 years and love her more than anything. we dated for around 18 months, had some amazing times, it was incredible, i had never been so in love and niether had she. we moved in together buying a house near where we work. then the problems stated to begin. she had moved 25 miles down the motorway away from her friends and family, we reluctantly decided to do this as we could not afford the cost of 2 cars commuting 50 miles round trip in traffic each day. she misses her family and feels she doesn't have enough money to see them as much as she would like. also, we work together, so may be we see too much of each other and we irritated each other at times. in addition to this we work shifts, sometimes opposite ones, so we would see each other tired and stressed. it caused us to not be as happy together as lack of money, working together, and my girlfriend not seeing her family and friends as much has put a real strain on us. 2 years have passed, there is light at the end of the tunnel as mortgage payments are 50% less due to the low interest rate, we are able to sell the house (climate not the best though), she could change jobs as we can afford for her to earn less. the job she wants to do pays 6k p.a. less. 2 weeks ago we had a couple of petty arguments. the main one was for 10 days we worked opposite shifts and had different days off, then the day before we both had a day off together she said she was going to see her mom for the day so i would not see her. i was annoyed as i missed her etc. however it wasn't a major fallout/argument. then when she was with her mom we had a little row about something. when she got home she said we needed to talk, however she said she wasn't happy in the relationship and was going to move back to her mom and dad's to think about things, she said she still loves me but her feelings have changed, she doesn't feel like she is in love with me like that. we were texting and speaking to each other regular, i met up with her after a few days to talk. i told her how much i loved her and that i want to change things between us, move house, she can change jobs, i will try anything. i said lets try going on a few dates and see how we go, start having fun again. she said she would think about it. 3 days after that she called around our house to say she had thought about things, she's still not happy so wanted to break up. i was gutted, cried a lot, she packed all her clothes and day to day bit and pieces together and left. i was distraught, we have spoke a couple of times since and have text each other several times a day. it has been a week since we broke up now, i have told her how i feel, she said she needs time to think about 'what she wants in life'. i told her i would give her complete space and that i hope she finds out what she wants. i told her i will be here if she wants to come back to me. she thanked me for understanding her. we have 4 days before we see each other at work. i'm worried that i have lost her. will she come back to me? will she miss me? i'm feel so low about it all! i'm 26 and she's 25. i'm looking for advice on how to win her back. i know she still loves me.... she has the 3 year itch.

What i see is that the moving in together affected the relationship. Why? Because she was a little far from her loved ones (Friends, Family). If y'all would of moved in together a little bit close to her friends and family i don't think you would be in this situation you are right now. Give her the space that she needs, you already told her you would be there for her if she wanted to come back to you. I'm sure she just needs time to sort her head out and figure out what is it that she wants to do regarding the problem that y'all are having. There could be a 50/50 possibility of getting back together but you won't know until she decides what she wants to do. Be patient i'm sure she wouldn't want to waste those 3.5 years for nothing!

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My fiancée and i have a lot of student loan debt. we also now have mortgage debt from a condo we bought a year and a half ago and a car loan that has 4 years left on the loan. we do not have any credit card debt. our wedding is in about 4 months, so most of the money we have left over every month goes to that. we are paying for the wedding ourselves, in cash. so my question is: after the wedding, which debt should we focus on? let me give you some more details: fiancee's student loan debt:

All the best financial advice says pay off the debt with the highest interest rate first. It is good to have a savings fund for emergencies or even for other uses, but the interest you are paying now is greater than the interest you will get on your savings. I suggest paying off $400 extra, and putting anything else left over into your savings. Without calculating interest on your fiancee's student loan, capital repayments of $820 monthly would clear it in about 86 months. If you paid in an extra $400 monthly, you would clear it in about 58 months, which is 28 months sooner. Left as they are, those 28 months would cost you a further $22,960 plus interest. I think being free of this burden is well worth the effort. And by now the car has been paid in full just by keeping to the loan agreement. After the first student loan is clear, you will have an extra $820 plus $400 to pay extra off another debt. If you were to choose your own student debt, that means instead of repaying $1000 a month, you could repay $2220, and see it melt rapidly before your eyes. Then you would have an extra $2220 plus the regular mortgage payment $724 (total $2944 - or even round it up to $3000) that you could pay off the condo every month. That would make some difference to your mortgage debt !!!!! A word about the condo mortgage. $724 a month is about $181 a week. If you paid that every week - or better still round it up to $200 - you will clear the mortgage years early . Partly because every week you have a lower balance and therefore lower interest, and also because paying weekly means you make the equivalent of 13 calendar month payments instead of 12. Banks don't normally encourage you to do this because it means a bit of extra work for them calculating the interest, but if you can arrange it that way, it is a lot of extra money left in your pocket instead of theirs.