Financial Literacy Month

The warning signs of financial trouble are everywhere, if you know where to look. Knowing what they are and how to recognize them can be the difference between quickly recovering from one or two bad months and being trapped in a months or years-long battle with debt.

Don’t let these unproductive habits and behaviours derail your financial future. If you notice any of these symptoms in your own life, you may need to take immediate steps to fix them and take the exit ramp off the road to poor financial health.

Illustration of a balance symbol.

Living Within Your Means

To live within your means is to spend less than you earn. Start by creating a budget and sticking to it.

Illustration of a credit card machine.

Misusing Credit

A good mix of credit products like loans, credit cards, line of credit, and mortgage can help you build a healthy credit score.

Illustration of a wallet with a credit card inside.

Overusing Credit

Living paycheck to paycheck with growing credit card debt and no emergency funds? Don’t panic. There’s a solution.

Illustration of two hands with one of them giving a bag of money to the other.

Poor Money Management

Effective money management is a decision. Take the first step to paying off your debt with any of our short or long-term solutions.

Illustration of a fact sheet with a dollar sign and graphs on it.

Lack of Budgeting Tools or Planning

Review your financial situation and identify specific challenges you may be facing. With your permission, you can get recommendations on how to plan your financial future.

Illustration of a bank safe.

Personal Issues

Be financially prepared for any surprise life may throw your way. How? Build an emergency fund.

Illustration of a group of 3 people chatting amongst each other.

Tax Issues

Worried because the CRA has come calling? You need to discuss your options with a Licensed Insolvency Trustee.

Illustration of 3 people with an error sign above them.


Silence your debt collectors for good. Get a fresh financial start.

Illustration of a person with a checkmark beside them.

Creditor and Collections Action

Know your rights as a consumer, protect yourself and learn how to respond to debt collectors.

Illustration of a notepad and pen with a dollar sign written on it.

Co-Signing and Not Understanding Documents

Understand the risks of co-signing or guaranteeing a loan.

Consultation icon