Christian Baranowski

Christian Baranowski

Christian is Branch Manager for PenFi's Fonthill branch and loves sharing his knowledge of personal finances with others.

Recent posts by Christian Baranowski

3 min read

5 Ways to improve your credit score

By Christian Baranowski on Jun 22, 2020 9:31:08 AM

Credit is a staple in our modern world. And many of us have been impacted by the COVID-19 pandemic over recent months. As businesses begin to open up, we thought it would be an appropriate time to discuss some ways to improve your credit score. Gone are the days of buying a home with two bags of flour and a handshake. You need credit to qualify for big-ticket items like cars and homes, and often for smaller items, like mobile phones. Your credit score determines whether financial institutions and other lenders will give you money for such purchases.

Topics: Financial Literacy Personal Credit
3 min read

Tips for First Time Home Buyers

By Christian Baranowski on May 3, 2018 12:17:38 PM

5 Things you need to know before you buy your first home

Are you ready to make the leap from renter to homeowner? You’ve saved your nickels. You’ve been watching the housing market and found a neighbourhood you like. You’ve gotten tired of lugging groceries up 6 flights of stairs every time your elevator is out. Buying your first home is an exciting time. It is also a huge decision. Here are the five things you should think about before you buy.

Topics: Mortgages
2 min read

Living on coffee, hope, and noodles: Budgeting for student life

By Christian Baranowski on Aug 27, 2017 1:17:30 AM

After your parent’s made you read Catherine’s blog on how to fund post-secondary education, you may think you’re all set for school.

Topics: Personal Budget
4 min read

Never Have I Ever: The financial edition

By Christian Baranowski on Nov 17, 2016 12:42:33 AM

Let’s play a game that you may have seen on Ellen: Never Have I Ever. Raise your hand (and hide behind it if you have to) if any of these apply to you!

Topics: Financial Literacy
5 min read

Hawks, vultures, elephants, oh my: Predatory lenders vs. credit unions

By Christian Baranowski on Jun 1, 2016 12:35:38 AM

It happens to the best of us: poor credit. It isn’t hard to develop. One unpaid $100 mobile phone bill and 4 years later, and your credit history is poor enough to make a banker shut their laptop so fast it blows your hair back. No loans for you. No mortgage.  No line of credit. No further questions.

Topics: Financial Literacy Personal Credit Managing Debt Financial Planning