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Debt solutions and strategies to get out of debt can vary for everyone, however, the sooner someone is able to deal with their debt, the more options they generally have available to them. This may mean spending less on recreation or entertainment, not eating out for lunch or dinner as often and learning how to stretch the dollars at the grocery store a little further. Negotiate lower interest rates with creditors to pay debt off faster or obtain relief during a difficult time. Depending on the circumstances, creditors may accept a written proposal to settle outstanding balances owing for a reduced amount. Housing costs, including utilities, maintenance, taxes and insurance have risen, not to mention the price of the home itself. When costs increase, rather than looking for ways to decrease their expenses, people turn to credit to supplement their income. Without a plan to manage the additional expenses, many people face an uncertain financial future. Building up a savings account may seem like a daunting task, especially when trying to eliminate debt at the same time.

If you receive a pay increase, continue your budget as if you were still earning the lower amount.
Eliminating what you owe to get out of debt, using credit wisely to stay out of debt and saving for the unexpected are all part of a responsible money management plan. If an Excel spreadsheet isn't your thing for creating a personal budget, we have our step-by-step workbook, webinars and workshops, budgeting resources or free, individual help from one of our professional Credit Counsellors. Part of getting out of debt is learning new money habits, which help someone stay out of debt in the future. It can also mean filing taxes to receive assistance with premiums or government funds which are based on income levels, e.g. Selling something now to get through a financial crisis doesn't mean that a similar item can never be bought again. If direct financial assistance is not possible, help to reduce certain costs might be, e.g. These legal remedies for debt are done through a trustee who is licensed through the Bankruptcy and Insolvency Act.

The good news, however, is that with a little preparation and planning, most people are able to avoid financial disaster. They don't obligate you to anything, so contact us today to ask us some questions or to make an appointment. A consolidation loan may reduce overall monthly debt payments, as long as no additional credit is used until the consolidation loan is repaid in full. If you want help getting started with a budget that works for you, try our free, interactive budget calculator spreadsheet.

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