At some point, everyone has succumbed to the impulse to buy a new gadget, a new pair of shoes or some other spur of the moment gift for themselves. There’s nothing wrong with occasionally treating yourself. But when frequent impulse purchases start getting in the way of your other financial goals, things can quickly spiral out of control. Knowing where to strike that balance is difficult, but it becomes much easier when you use a budget.

Six in 10 Quebecers likely to pile on more consumer debt before the end of the year, including one in five who will use buy now, pay later options.

One of the most common questions among consumer debtors contemplating Bankruptcy is, “what will happen to my assets?”

The Canadian economy has enjoyed more than 10 years of robust growth, yet only around half of Canadians are in good financial shape — and the COVID-19 pandemic certainly hasn’t improved matters.

Everyone can relate to feelings of depression and hopelessness at various points in their lives. Chronic or fleeting, these emotions may result from a sudden unexpected event such as a job loss, illness, or relationship breakdown — or build up more gradually.

Money and possessions are how we make our way in this world. And when someone comes looking to take those things away, that threatens our way of life. Naturally, our only options are to fight, flee or freeze.

Every day we receive dozens of questions on our website, on social media, and during Free Confidential Consultations wondering how to overcome or alleviate debt without filing a Bankruptcy or Consumer Proposal.

It’s difficult to predict the future. But it’s particularly difficult to predict your financial future. After all, who has a crystal ball to tell them what the future holds? What if your car breaks down and it needs major repairs? What if you get laid off or lose your job? What if you become ill and are unable to work? There’s a lot of “what if” scenarios out there.

Are you in a situation where you’ve fallen behind on your debts and now the account is in collections? As if the stress of your mounting bills wasn’t bad enough, now you’re worried there’s a collections agent lurking behind every phone call, every mail delivery, and every email. It doesn’t take long for the fear and anxiety to consume every waking moment of your life.

It’s been more than a year since the terms COVID-19 and pandemic entered our daily vocabulary and completely upended our routines. The mental health impacts of the virus, the various health orders, and their financial impacts are as significant as they are indiscriminate.