With so many moving parts, it can be hard to understand your finances. You have to budget and track your spending — not to mention keep track of all the bills that automatically come out of your account each month.

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.

If your research into your personal finances shows that you have unmanageable debt, then working with a trusted advisor is going to be a huge part of your financial journey.