Credit Counselling

Credit counselling plays an important role in helping people fix their debt problems.

Tips to Manage your Money

Good money management is the key to a bright financial future. A basic plan starts with a budget and a set of financial goals. Proper money management is about making the right choices.

1. Set up a monthly budget
List your monthly net take home income from all sources. Then list and deduct all of your household living expenses. Ideally, you are spending less than what you earn and you have a surplus.

2. Determine your financial goals
Decide what you want to do with your monthly surplus. Do you want to pay down debt? Put money aside for retirement? Save for your kids’ education, a trip or a major purchase? Paying high interest debts should be a priority.

3. Monitor your progress
Proper money management requires constant monitoring. Keep track of your progress and make adjustments to your budget on a regular basis.

4. Pay attention to warning signs of financial problems

  • You spend more than what you earn;
  • You use credit to cover your monthly shortfall;
  • You miss monthly debt payments;
  • You are unable to reduce your debts, or worse, it is going up;
  • You have no money left for any savings.

For assistance in reviewing your situation, contact us for a free confidential consultation in one of our locations in Ontario or click on Our Credit Counselling Services.

Your way to financial relief starts here!

We’re here to answer your questions and get you back on track. Schedule your free consultation now in one of our locations in Ontario!


Covid-19 / Update :

Our offices are now completely open again for regular business hours. We will however, continue to conduct as many meetings as possible virtually and we will continue to have many of our employees work from home to keep traffic in our offices to a minimum.

As we do our part to minimize the spread of the virus, visiting our office will now be by appointment only until further notice. This new visitation policy will help us balance the need for social distancing while still being able to provide timely services in an effective manner based on individual circumstances.

Read the full note with our measures