You may not realize it, but if you have recurring bills such as rent and utilities, you already have a credit history. If they are paid in a timely manner, rent, car insurance, medical, cable television and telephone bills are all indications that you are a good risk. Keep copies of the bills and your…

First: Sign a Tenancy Agreement. All new tenancies must have a written Tenancy Agreement. The landlord must provide a Tenancy Agreement that sets out the particular conditions that have been agreed to. Both landlord and tenant sign it and the landlord must give the tenant a copy before the tenancy begins. Care should be taken…

Getting your first apartment is exhilarating. That empty space is full of promise and prospects for shopping. Let your imagination wander. Depending on your shopping personality, it is easy either to get carried away and blow your money on nonessential (but gratifying) items; or to tremble at the thought of spending your hard-earned income on…