What are the opening hours?

Monday 8am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Ask Roesie

Home
Canada
Calgary, AB
Ask Roesie

Keeping financial literacy simple to help you make better decisions. 🇨🇦

with Homeownership www.brettroessel.com/free-chapter

09/02/2026

Who enjoyed it most, you or your credit card? 😂

Between vacations, eating out, weekend trips, activities, and all those little purchases that seemed harmless at the time, it's pretty easy to come out of summer with a higher balance than you planned.

If that's where you're at, don't panic. 🫪

The first step is simply knowing where you stand.

Take a look at your balances, interest rates, and minimum payments, then figure out what you can realistically put toward the debt each month.

You don't have to fix everything overnight.

A good financial reset starts with getting honest about where you are and making a plan for where you want to go.

08/24/2026

Disco all the time, golf occasionally… and Bocce Ball competitively 🪩⛳

I had a great time teaming up with Chicago Title and representing FNF to sponsor a hole at Community Key’s Ladies-Only Charity Golf Tournament.

And of course, we had to make it interesting with “Beat Brett at Bocce Ball” 🎯 A little friendly competition, a lot of laughs, and an even better cause.

Huge thank you to everyone who stopped by, took on the challenge, and helped make the day such a fun one!

08/18/2026

Making the minimum payment on your credit card isn't a bad thing. In fact, making at least the minimum payment on time helps keep your account in good standing and protects your credit history from the negative impact of missed payments.

But here's what many Canadians don't realize:

Minimum payments are designed to keep your account current, but they aren't necessarily designed to help you get out of debt. If you're only paying the minimum each month, you could be carrying that balance for a lot longer than you think.

Meanwhile, interest continues to accumulate in the background, which means the longer you carry that balance, the more that purchase can ultimately cost you.

That's why two people with the exact same balance can end up in very different financial situations. One pays only the minimum and continues carrying the balance, while the other puts a little extra toward the debt whenever they can.

Over time, those extra payments can make a significant difference in how quickly you pay off the balance and how much you spend on interest.

Minimum payments help protect your credit.
Paying more when you can helps protect your wallet.

08/07/2026

You paid your credit card in full.

So why didn't your score go up?

Because timing matters.

Many people don't realize that lenders report your balance to the credit bureaus at specific times during the month. Some lenders will report on the odd months and some report on the even months. If your balance is high when it's reported, your utilization ratio could be higher than you'd like, even if you pay it off a few days later.

Utilization simply means how much of your available credit you're using.

That's why some people make mid-cycle payments or keep balances low throughout the month.

Paying in full is still a great habit. Understanding when your balance gets reported is just another piece of the puzzle.

07/28/2026

Two families can buy the exact same house and end up with very different monthly payments.

Why?

Because getting a mortgage isn't just about how much money you make. Lenders also look at your credit history, existing debt, down payment, and the type of mortgage you qualify for.

The good news is that many of these factors are things you can improve before you ever start shopping for a home.
Buying a home starts long before you find "the one."

It starts with preparing your finances.

📖 My Big Asset is all about helping Canadians understand the mortgage process before they need it.

Check the link in my bio to Make It Yours

07/24/2026

You never know where a conversation is going to take you... or where you'll find My Big Asset! 📖

While in Cold Lake for an event, I had the chance to stop by a local bookstore and meet Nicole, who was kind enough to make a little room on the shelves for my book.

So it's official... My Big Asset is now available at a local bookstore in Cold Lake! 🙌

I left three copies behind, so if you're in the area and want to pick one up, you know where to look.

Sometimes there's always an opportunity to talk about credit, mortgages, and homeownership... you just have to turn the page. 😉

07/22/2026

Not every credit mistake looks like a mistake.

Some actually feel responsible, even smart, like you're finally getting your finances (or life!) together.

But these habits can quietly hurt your score over time without you even realizing it.

Save this post for future you, because this is the kind of thing worth coming back to.

07/10/2026

You finally paid off that old credit card and your first thought is:

“Great! Let’s close it.”

Not so fast.

Older accounts help build your credit history, and closing them can increase your utilization ratio.

Sometimes the card you never think about is quietly helping your score.

07/01/2026

Happy Canada Day! 🇨🇦

Whether you're spending the day at the lake, around a BBQ, watching fireworks, or just enjoying some well-deserved time with family and friends, we hope it's a great one.

06/26/2026

Stampede is almost here 🤠

And despite what your credit card might think, you don't need to spend a fortune to have a good time.

Here are a few ways to enjoy Stampede while spending smarter:

🎆 Watch the fireworks from outside the grounds.
🥞 Take advantage of free pancake breakfasts.
🎟️ Plan around free admission and community events.
🚆 Skip parking and take transit.
🎶 Enjoy the free entertainment happening all over the city.

The best Stampede memories usually come from the people you're with, not the size of your bill.
What's your favourite way to do Stampede on a budget?

Address

Calgary, AB

Opening Hours

Monday	8am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+14037010919

Website

http://www.brettroessel.com/

Alerts

Be the first to know and let us send you an email when Ask Roesie posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Ask Roesie:

Featured

Moraine Wealth Advisory
1920, 407 2 Street SW

Want your business to be the top-listed Finance Company in Calgary?