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Debt Management
Read our articles and real-life stories about the consequences of debt accumulation as well as potential ways to get through it.
Quebec trend on debt ratio
Here are a few interesting numbers revealed by the “Institut de la statistique du Québec” (Statistics Quebec) in a study published on February 6, 2015. 1999 2012 AUGMENTATION Debt ratio 35% 160% +4,5 fois Total amount in mortgages...
Son bateau de pêche fait couler ses finances
À l’approche des beaux jours, la tentation peut être grande d’acquérir un véhicule récréatif, un VTT ou un bateau. Mais avant de céder à la tentation, le récit des mésaventures de ces personnes vous fera réfléchir...
Résolution 2020: Mieux dormir!
Au début de janvier paraissait le dernier rapport de l’Association canadienne de la paie, concernant les sources de stress financier des familles. En gros, on y apprenait que 42% des...
Reimbursing your debts
You have decided to undertake your debts and regain control of your finances. But are asking yourself where to start… The general rule is to always start by reimbursing debts...
Quand nos enfants ont des problèmes financiers
Peu avant les Fêtes, Jean-Pierre a prêté 2,000$ à son fils de 26 ans, William, pour la deuxième fois en 6 mois. Il y a quelques semaines, le jeune...
What is a debt ratio?
It is a tool used by banks to determine if you are able to repay a loan that you would like to obtain. To calculate it, they add housing costs...
Why are we in debt?
An interesting study has just been published by Dr. Janis Sarra, of the Faculty of Law at the University of British Columbia, which focuses on 4,000 cases of bankruptcy...
Les 4 saisons de l’endettement
En seulement 3 ans, Myriam a cumulé plus de 25,000$ sur ses 5 cartes de crédit. Comment a-t-elle pu s’endetter aussi rapidement alors qu’elle n’a eu aucune grosse dépense? Bien...
Endettés, des jeunes patienteront avant de fonder leur famille
Durant ses études, Benoît, 29 ans, s’est endetté pour un montant de plus de 30,000$. Aujourd’hui, avec sa conjointe Christine, il souhaiterait fonder une famille et acheter une maison....
Financial difficulties? Pay attention to the warning signs!
There is no clearer sign that you are having financial difficulties than a call from a collection agency! But you should pay attention to the more subtle hints that...
Are you in control of your finances?
The question may seem trivial, but we should never trust our impressions. Some may think that because they had no late payments, everything is fine. And when the bank...
Do you have control over your debts? Discover the answer in less than 10 minutes.
We are sorry, this article is not available in English. Pour savoir si vous avez les deux mains sur le volant, vous pouvez mesurer la santé de vos finances à testezvosfinances.com. Cet...
Real-life story – Student Debt
Student debt is treated differently from other debts in a consumer proposal or bankruptcy.
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