Balance Your Budget
Track your spending in order to successfully manage your financial priorities.
To have and follow a budget limits the risk of having financial difficulties. Go to our Online Budget tool to build and work on your own budget.
The goal is to:
- Cut unnecessary expenses;
- Postpone non-essential purchases;
- Focus on repaying debts with the highest interest rates;
- Analyse opportunities to sell non-essential assets (ex: a second car).
These adjustments may solve a particular problem such as facing an unexpected major expense. In other situations, it will allow you to evaluate your ability to repay your debts and to consider a consolidation loan or a Consumer Proposal.
I would like to thank you from the bottom of my heart for all that you did for me with regards to my bankruptcy. When I first contacted you, I had given up all hope, and I had no idea where I was going to end up. I was embarrassed to see the position that I had gotten myself into, but you showed me that I was not the only one in this situation. Since our meeting, I have made many changes in my spending habits, I ask myself one question before my every purchase: "Is this going to be useful to me?" Saving has become a priority and a new way of life, "to buy without getting into debt!"
Discover how to offer your creditors a lower settlement based on your ability to repay.
Create a budget to track your spending and successfully manage your financial priorities.
Student debt is treated differently from other debts in a consumer proposal or bankruptcy.
Talk to a Financial Recovery Counsellor
We will always be happy to answer your questions and help you see things more clearly.
Call us toll free—we’re here to listen.
Monday to Thursday from 8:00 am to 8:00 pm and Friday from 8:00 am to 5:00 pm.
Find a Jean Fortin office near you
Identify your nearest Jean Fortin office by region, location or geolocation.
Book an appointment
Complete a short appointment form directly online to contact one of our financial recovery counsellors.