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	<title>E-Books &amp; Guides &#8211; Spergel</title>
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		<title>Retirement Debt Guide</title>
		<link>https://www.spergel.ca/learning-centre/retirement-debt-guide/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Thu, 22 Jan 2026 14:39:04 +0000</pubDate>
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					<description><![CDATA[A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">Retirement Debt Guide</h1>				</div>
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									<p data-start="664" data-end="805">A <em>free</em>, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>January 22 / 2026</time>					</span>
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										Spergel					</span>
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				<a href="https://www.spergel.ca/content-type/e-books/" class="elementor-post-info__terms-list-item">E-Books &amp; Guides</a>				</span>
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					<h2 class="elementor-heading-title elementor-size-default">Debt Shouldn’t Define Your Retirement Years.</h2>				</div>
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									<p>You’ve worked hard to build your retirement, but rising costs and lingering debt can make it harder to enjoy the peace you’ve earned. We&#8217;re here to help! </p>								</div>
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									<p>Debt doesn’t disappear at retirement, and for many Canadians, it becomes harder to manage on a fixed income. Rising living costs, housing expenses, and unexpected family or health-related pressures mean even modest debt can create ongoing stress. The good news is that there are legal, compassionate solutions designed specifically to help retirees protect their home, pension, and savings, while reducing or even eliminating unsecured debt. With the right guidance, it’s possible to regain control and enjoy retirement with greater peace of mind.</p>								</div>
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<li data-start="1590" data-end="1677">
<p data-start="1592" data-end="1677">Why debt is rising in (and before) retirement — and why it’s not a personal failure</p>
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<p data-start="1680" data-end="1750">What happens to your home, pension, and RRSPs when you get debt help</p>
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<p data-start="1753" data-end="1827">Common myths about retirement debt — and the facts that can bring relief</p>
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<p data-start="1830" data-end="1915">The emotional toll of debt and why so many Canadians feel better after getting help</p>
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<p data-start="1918" data-end="1997">Reverse mortgages vs. <a title="consumer proposals" href="https://www.spergel.ca/consumer-proposal/">consumer proposals</a> — and the risks retirees should know</p>
</li>
<li data-start="1998" data-end="2066">
<p data-start="2000" data-end="2066">Your debt relief options, explained clearly and without judgment</p>
</li>
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<p data-start="2069" data-end="2158">Why many retirees wait too long to ask for help — and what they wish they’d done sooner</p>
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>URL</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<item>
		<title>Stay in Business: How to handle small business debt</title>
		<link>https://www.spergel.ca/learning-centre/stay-in-business/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Thu, 22 Jan 2026 14:31:54 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=15918</guid>

					<description><![CDATA[If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">Stay in Business: How to handle small business debt</h1>				</div>
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									<p data-start="353" data-end="499">Running a business through financial pressure isn&#8217;t easy. Sometimes we need clear guidance to protect what we’ve built.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>January 22 / 2026</time>					</span>
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										Spergel					</span>
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										<span class="elementor-post-info__terms-list">
				<a href="https://www.spergel.ca/content-type/e-books/" class="elementor-post-info__terms-list-item">E-Books &amp; Guides</a>				</span>
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													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms">
										<span class="elementor-post-info__terms-list">
				<a href="https://www.spergel.ca/debt-type/small-business-debt/" class="elementor-post-info__terms-list-item">Small Business Debt</a>				</span>
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					<h2 class="elementor-heading-title elementor-size-default">Stay in Business: A Guide for Small Business Owners Under Financial Pressure</h2>				</div>
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Phone</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<title>What To Say When Debt Collectors Call</title>
		<link>https://www.spergel.ca/learning-centre/debt-collector-script/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 30 Sep 2025 17:17:59 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=11969</guid>

					<description><![CDATA[Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">What To Say When Debt Collectors Call</h1>				</div>
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									<p>If you’ve been receiving calls from debt collectors, you know just how stressful it can feel. This FREE resource &#8211; “<em>The Debt Collection Call Script &amp; Legal Rights Guide”</em> &#8211; gives you the words, confidence, and legal knowledge to handle collection calls calmly and protect your rights under Canadian law.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>September 30 / 2025</time>					</span>
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							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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				<a href="https://www.spergel.ca/debt-type/collection-calls/" class="elementor-post-info__terms-list-item">Collection Calls</a>				</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to take control of collection calls?</h2>				</div>
				<div class="elementor-element elementor-element-e72c55b elementor-widget elementor-widget-heading" data-id="e72c55b" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
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									<p>Handle debt collector calls with confidence – get the FREE Call Script &amp; Legal Rights Guide.</p>								</div>
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I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container 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field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_4_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_4_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_4_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_51" class="gfield gfield--type-hidden 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value='' /></div></div><div id="field_4_54" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_4_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_55" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_4_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_56" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_4_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_57" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_4_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_58" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_4_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_4_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_4_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_4_61' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_62" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_4_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_63" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_63' id='input_4_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_64' id='input_4_64' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_65" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_65' id='input_4_65' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_66" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_66' id='input_4_66' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_67" class="gfield 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aria-invalid="false" value='' /></div></div><div id="field_4_70" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_70' id='input_4_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_71" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_71' id='input_4_71' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div></div></div>
        <div class='gform-footer gform_footer top_label'> <button id="gform_submit_button_4" type="submit" class="gform_button button" onclick="gform.submission.handleButtonClick(this);" data-submission-type="submit"><span>Submit</span></button> <input type='hidden' name='gform_ajax' value='form_id=4&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=0e311bd76c27570c1cb06bcb6a2270a1' />
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									<p>In 2022–2023, the FCAC logged 6,294 complaints from consumers across Canada. Of those, 3.6% were about credit card debt collection &#8211; making debt collection one of the most frequent “money-owed” complaints.</p><p><br></p>
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									<ul><li>Ready-to-use call scripts for real-life situations (e.g. verifying a debt, requesting proof, or setting boundaries)</li><li>What debt collectors can and can’t do in Canada &#8211; know your rights under federal and provincial law</li><li>An email template to stop collection calls or demand written proof of debt</li><li>A printable call log and quick-reference checklist to document every interaction</li><li>Contact info for provincial consumer protection offices if you need to report harassment</li><li>Real stories from Canadians who found relief and stopped collection calls for good with help from Spergel</li></ul>								</div>
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							<div class="elementor-shortcode"><div class="recentposts-container ss"><article
class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Facebook</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<title>The Mortgage Renewal Survival Guide</title>
		<link>https://www.spergel.ca/learning-centre/mortgage-renewal-guide/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Mon, 22 Sep 2025 18:33:22 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=11956</guid>

					<description><![CDATA[If your mortgage is up for renewal, you’re not alone in feeling the pressure. With soaring interest rates and inflated costs, millions of Canadians are facing significantly higher monthly payments.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">The Mortgage Renewal Survival Guide</h1>				</div>
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									<p>If your mortgage is up for renewal, or you&#8217;re juggling debt on a fixed income, it&#8217;s easy to feel overwhelmed. This free guide offers real-world advice to help you stay in control, protect your home, and move forward with confidence.</p>								</div>
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													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date">
							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>September 22 / 2025</time>					</span>
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							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to protect your home?</h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>URL</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<title>Back to School Without the Debt</title>
		<link>https://www.spergel.ca/learning-centre/back-to-school-without-the-debt/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Mon, 22 Sep 2025 18:20:03 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=11933</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles. ]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">Back to School Without the Debt: A Survival Guide for Canadian Parents</h1>				</div>
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									<p>For parents, the back-to-school season can feel like a financial trap, with hundreds of dollars in expenses popping up all at once. This free e-book, &#8220;Back to School Without the Debt: A Survival Guide for Canadian Parents&#8221;, is your step-by-step guide to navigating these costs without relying on credit cards, so you can start the school year with confidence and peace of mind.</p>								</div>
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													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date">
							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>September 22 / 2025</time>					</span>
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										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready for a stress-free school year?</h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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									<p>From supplies and clothing to hidden monthly fees for activities and events, school-related expenses can quietly push parents into a cycle of debt. Our free guide is here to empower you with the strategies and tools you need to stay on budget, spot the warning signs of growing debt, and learn how to get out of it for good.</p>								</div>
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Phone</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<item>
		<title>What Schools Didn’t Teach You About Managing Debt</title>
		<link>https://www.spergel.ca/learning-centre/what-schools-didnt-teach-you/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 20:24:37 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1930</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">What Schools Didn’t Teach You About Managing Debt</h1>				</div>
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									<p>This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles. It exposes the hidden costs of credit cards, the predatory nature of payday loans, and the true price of auto financing, empowering you with practical strategies to break free and take control of your financial future.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>July 29 / 2025</time>					</span>
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										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Debt? </h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container 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field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_4_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_4_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_4_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_51" class="gfield gfield--type-hidden 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value='' /></div></div><div id="field_4_54" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_4_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_55" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_4_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_56" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_4_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_57" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_4_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_58" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_4_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_4_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_4_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_4_61' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_62" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_4_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_63" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_63' id='input_4_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_64' id='input_4_64' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_65" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_65' id='input_4_65' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_66" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_66' id='input_4_66' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_67" class="gfield 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aria-invalid="false" value='' /></div></div><div id="field_4_70" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_70' id='input_4_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_71" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_71' id='input_4_71' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div></div></div>
        <div class='gform-footer gform_footer top_label'> <button id="gform_submit_button_4" type="submit" class="gform_button button" onclick="gform.submission.handleButtonClick(this);" data-submission-type="submit"><span>Submit</span></button> <input type='hidden' name='gform_ajax' value='form_id=4&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=0e311bd76c27570c1cb06bcb6a2270a1' />
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class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Comments</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<item>
		<title>The Real Cost of Borrowing: How Debt Sneaks Up On You</title>
		<link>https://www.spergel.ca/learning-centre/the-real-cost-of-borrowing/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 20:17:27 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1914</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">The Real Cost of Borrowing: How Debt Sneaks Up On You</h1>				</div>
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									<p>This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles. It exposes the hidden costs of credit cards, the predatory nature of payday loans, and the true price of auto financing, empowering you with practical strategies to break free and take control of your financial future.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>July 29 / 2025</time>					</span>
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							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Debt? </h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_4_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_46" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_4_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_47" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_4_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_4_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_4_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_4_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_51" class="gfield gfield--type-hidden 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value='' /></div></div><div id="field_4_54" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_4_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_55" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_4_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_56" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_4_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_57" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_4_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_58" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_4_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_4_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_4_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_4_61' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_62" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_4_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_63" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_63' id='input_4_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_64' id='input_4_64' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_65" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_65' id='input_4_65' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_66" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_66' id='input_4_66' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_67" class="gfield 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aria-invalid="false" value='' /></div></div><div id="field_4_70" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_70' id='input_4_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_71" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_71' id='input_4_71' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div></div></div>
        <div class='gform-footer gform_footer top_label'> <button id="gform_submit_button_4" type="submit" class="gform_button button" onclick="gform.submission.handleButtonClick(this);" data-submission-type="submit"><span>Submit</span></button> <input type='hidden' name='gform_ajax' value='form_id=4&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=0e311bd76c27570c1cb06bcb6a2270a1' />
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            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_4' id='gform_theme_4' value='orbital' />
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class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Name</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<item>
		<title>From Survival to Stability: How to Budget When Every Dollar Counts</title>
		<link>https://www.spergel.ca/learning-centre/from-survival-to-stability/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 20:11:19 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1904</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">From Survival to Stability: How to Budget When Every Dollar Counts</h1>				</div>
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									<p>In today&#8217;s economy, where inflation and rising costs put a strain on every household, budgeting is more than a financial exercise—it&#8217;s a critical skill for survival. This free e-book, &#8220;From Survival to Stability: How to Budget When Every Dollar Counts&#8221;, is your step-by-step guide to mastering your money, making every dollar count, and building a foundation for a secure financial future.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>July 29 / 2025</time>					</span>
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										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Debt? </h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_4_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_46" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_4_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_47" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_4_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_4_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_4_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_4_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_51" class="gfield gfield--type-hidden 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value='' /></div></div><div id="field_4_54" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_4_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_55" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_4_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_56" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_4_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_57" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_4_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_58" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_4_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_4_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_4_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_4_61' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_62" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_4_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_63" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_63' id='input_4_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_64' id='input_4_64' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_65" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_65' id='input_4_65' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_66" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_66' id='input_4_66' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_67" class="gfield 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aria-invalid="false" value='' /></div></div><div id="field_4_70" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_70' id='input_4_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_71" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_71' id='input_4_71' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div></div></div>
        <div class='gform-footer gform_footer top_label'> <button id="gform_submit_button_4" type="submit" class="gform_button button" onclick="gform.submission.handleButtonClick(this);" data-submission-type="submit"><span>Submit</span></button> <input type='hidden' name='gform_ajax' value='form_id=4&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=0e311bd76c27570c1cb06bcb6a2270a1' />
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            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_4' id='gform_theme_4' value='orbital' />
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class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Facebook</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<item>
		<title>Breaking Free: How to Overcome Debt and Reclaim Your Peace of Mind</title>
		<link>https://www.spergel.ca/learning-centre/breaking-free/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 20:05:42 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1891</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">Breaking Free: How to Overcome Debt and Reclaim Your Peace of Mind</h1>				</div>
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									<p>Debt can feel like a heavy weight, impacting not just your finances but also your mental health and peace of mind. This free e-book, &#8220;Breaking Free: How to Overcome Debt and Reclaim Your Peace of Mind&#8221;, is your ultimate guide to understanding debt&#8217;s impact, exploring your options, and building a debt-free future. It’s time to take control and start a new chapter.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>July 29 / 2025</time>					</span>
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										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Debt? </h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_4_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_46" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_4_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_47" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_4_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_4_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_4_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_4_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_51" class="gfield gfield--type-hidden 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value='' /></div></div><div id="field_4_54" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_4_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_55" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_4_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_56" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_4_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_57" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_4_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_58" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_4_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_4_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_4_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_4_61' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_62" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_4_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_63" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_63' id='input_4_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_64' id='input_4_64' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_65" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_65' id='input_4_65' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_66" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_66' id='input_4_66' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_67" class="gfield 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aria-invalid="false" value='' /></div></div><div id="field_4_70" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_70' id='input_4_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_71" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_71' id='input_4_71' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div></div></div>
        <div class='gform-footer gform_footer top_label'> <button id="gform_submit_button_4" type="submit" class="gform_button button" onclick="gform.submission.handleButtonClick(this);" data-submission-type="submit"><span>Submit</span></button> <input type='hidden' name='gform_ajax' value='form_id=4&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=0e311bd76c27570c1cb06bcb6a2270a1' />
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            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_4' id='gform_theme_4' value='orbital' />
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class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 13 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" rel="bookmark">The cost of living in British Columbia (2026): monthly expenses, cities, and income needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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<article
class="post-8792 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8792" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" aria-label="Read: The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed"><img loading="lazy" decoding="async" width="1024" height="577" src="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in Ontario in 2025: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1024x577.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-300x169.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-768x433.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-1536x866.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1-2048x1154.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/daryan-shamkhali-pEXWdTPXsuA-unsplash-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/" rel="bookmark">The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.</p>
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<article
class="post-8264 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-financial-planning ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8264" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" aria-label="Read: Why you should never pay a collection agency"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Why you should never pay a collection agency" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/rupixen-com-Q59HmzK38eQ-unsplash-2-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 20 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/" rel="bookmark">Why you should never pay a collection agency</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.</p>
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<article
class="post-16624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" aria-label="Read: Real life client story: She didn’t just file, she finished. A 60-month consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Stacie&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/stacie-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stacie-success-story/" rel="bookmark">Real life client story: She didn’t just file, she finished. A 60-month consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How student debt and living paycheque to paycheque overwhelmed a young student &#8211; and how she found a fresh start.</p>
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<article
class="post-16611 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16611" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" aria-label="Read: Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Esther&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/esther-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/esther-success-story/" rel="bookmark">Real life client story: When a business didn’t work out, debt followed &#8211; and asking for help changed everything</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a business setback and rising debt left a mother feeling overwhelmed &#8211; and how seeking help restored stability.</p>
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<article
class="post-16630 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16630" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                <div class='gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_2'  action='/content-type/e-books/feed/#gf_2' data-formid='2' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Instagram</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_2_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_2_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_2_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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		<item>
		<title>Debt and Relationships: Navigating Financial Struggles as a Couple or Family</title>
		<link>https://www.spergel.ca/learning-centre/navigating-financial-struggles-as-a-couple-or-family/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 19:56:38 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1870</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">Debt and Relationships: Navigating Financial Struggles as a Couple or Family</h1>				</div>
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									<p>Money is a leading cause of stress in relationships, often creating tension, miscommunication, and conflict. Our free eBook, &#8220;Debt and Relationships: Navigating Financial Struggles as a Couple or Family&#8221;, is your guide to tackling financial challenges together. It provides practical tools and expert advice to help you and your partner build a stronger, more stable financial future.</p>								</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>July 29 / 2025</time>					</span>
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										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Debt? </h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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                        <div class='gform-body gform_body'><div id='gform_fields_4' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_4_6" class="gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden"  ><div class="admin-hidden-markup"><i class="gform-icon gform-icon--hidden" aria-hidden="true" title="This field is hidden when viewing the form"></i><span>This field is hidden when viewing the form</span></div><label class='gfield_label gform-field-label' for='input_4_6'>Ebook Type</label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_4_6' type='text' value='debt-and-relationships' class='large'      aria-invalid="false"   /></div></div><div id="field_4_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_4_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_4_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_4_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_4_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_4_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><div id="field_4_4" class="gfield gfield--type-captcha gfield--input-type-captcha gfield--width-half field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_4'>CAPTCHA</label><div id='input_4_4' class='ginput_container ginput_recaptcha' data-sitekey='6Ld2sCgsAAAAACq2xHiCJbZUcHPw8qZrcRmKXp5o'  data-theme='light' data-tabindex='0'  data-badge=''></div></div><fieldset id="field_4_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_4_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_4_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_4_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_46" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_4_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_47" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_4_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_4_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_4_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_4_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_51" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_4_51' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_52" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_4_52' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_53" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_53' id='input_4_53' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_54" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_4_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_55" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_4_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_56" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_4_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_57" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_4_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_58" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_4_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_4_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_4_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_4_61' type='hidden' class='gform_hidden'  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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed"><img decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="The cost of living in BC: what you need to know" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/alejandro-luengo-sQDTLNp0Cp0-unsplash-1-scaled-1.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
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				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
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			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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<article
class="post-15627 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15627" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_2_72" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_72'>Name</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
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I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  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		<title>Rebuilding After Debt: A Step-by-Step Guide to Financial Stability</title>
		<link>https://www.spergel.ca/learning-centre/rebuilding-after-debt/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 18:40:00 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1819</guid>

					<description><![CDATA[This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.]]></description>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
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					<h1 class="elementor-heading-title elementor-size-default">Rebuilding After Debt: A Step-by-Step Guide to Financial Stability</h1>				</div>
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									<p>Debt relief is a significant milestone, but the journey to financial wellness doesn’t end there. The transition to a debt-free life presents a new challenge: staying debt-free and rebuilding for a secure financial future. This free eBook, &#8220;Rebuilding After Debt: A Step-by-Step Guide to Financial Stability&#8221;, will walk you through the essential steps to regain control, repair your credit, and build sustainable financial habits.</p>								</div>
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										<time>July 29 / 2025</time>					</span>
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										Spergel					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Debt? </h2>				</div>
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									<p>Build a More Secure Financial Future &#8211; Read the Essential Guide.</p>								</div>
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412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_4' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data' target='gform_ajax_frame_4' id='gform_4'  action='/content-type/e-books/feed/#gf_4' data-formid='4' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_4' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_4_6" class="gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden"  ><div class="admin-hidden-markup"><i class="gform-icon gform-icon--hidden" aria-hidden="true" title="This field is hidden when viewing the form"></i><span>This field is hidden when viewing the form</span></div><label class='gfield_label gform-field-label' for='input_4_6'>Ebook Type</label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_4_6' type='text' value='rebuild-after-debt' class='large'      aria-invalid="false"   /></div></div><div id="field_4_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_4_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_4_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_4_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_4_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_4_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><div id="field_4_4" class="gfield gfield--type-captcha gfield--input-type-captcha gfield--width-half field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_4_4'>CAPTCHA</label><div id='input_4_4' class='ginput_container ginput_recaptcha' data-sitekey='6Ld2sCgsAAAAACq2xHiCJbZUcHPw8qZrcRmKXp5o'  data-theme='light' data-tabindex='0'  data-badge=''></div></div><fieldset id="field_4_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_4_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_4_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='2' class='gform_hidden' /></div></fieldset><div id="field_4_8" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_4_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_9" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_4_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_10" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_4_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_11" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_4_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_12" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_4_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_13" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_4_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_14" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_4_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_15" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_4_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_16" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_4_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_17" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_4_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_18" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_4_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_19" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_4_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_20" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_4_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_21" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_4_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_22" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_4_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_23" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_4_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_24" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_4_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_25" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_4_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_26" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_4_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_4_27" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_4_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_28" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_4_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_29" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_4_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_30" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_4_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_4_31" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_4_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_32" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_4_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_33" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_4_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_34" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_4_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_4_35" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_4_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_36" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_4_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_37" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_4_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_38" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_4_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_39" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_4_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_40" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_4_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_41" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_4_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_42" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_4_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_43" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_4_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_44" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_4_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_45" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_4_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_46" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_4_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_47" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_4_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_4_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below 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									<p>Managing your money after debt can be daunting. According to a 2023 Equifax Canada report, over half of Canadians who filed for insolvency worry about staying debt-free. Our guide is here to empower you with the knowledge and practical tools to confidently navigate this new chapter.</p>								</div>
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				<p>Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle &#8211; but all of that comes at a cost.</p>
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			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 25 / 2026 </span></span></div>		</header><!-- .entry-header -->
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" aria-label="Read: Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Meshack&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/meshack-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/meshack-success-story/" rel="bookmark">Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How a career-changing injury left a professional athlete facing overwhelming debt &#8211; and how a consumer proposal gave his family stability and hope.</p>
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<article
class="post-16635 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-success-stories ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16635" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" aria-label="Read: Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability"><img loading="lazy" decoding="async" width="992" height="608" src="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg" class="attachment-large size-large wp-post-image" alt="Ruby&#039;s success story" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story.jpg 992w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-300x184.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/03/ruby-success-story-768x471.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 5 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/ruby-success-story/" rel="bookmark">Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>How debt, betrayal, and wage garnishment pushed a young professional to the breaking point &#8211; and how a consumer proposal helped her rebuild her mental health and stability.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> March 4 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada &#8211; updated for 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p>
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<article
class="post-16442 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" aria-label="Read: Tax Stress Survey 2026: A cash-flow stress test for Canadians"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1024x683.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-768x512.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-1536x1024.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/tax-stress-AdobeStock_492173393-2048x1365.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 24 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/" rel="bookmark">Tax Stress Survey 2026: A cash-flow stress test for Canadians</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.</p>
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<article
class="post-8624 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-cra-tax-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8624" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" aria-label="Read: 2026 Canada tax deadline: when to file and when to pay"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="2025 Canada tax deadline: when to file and when to pay" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_372812617_Editorial_Use_Only-1.jpeg 1061w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 18 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/canada-tax-deadline/" rel="bookmark">2026 Canada tax deadline: when to file and when to pay</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due &#8211; and when payment is required.</p>
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<article
class="post-16085 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-16085" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" aria-label="Read: Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals"><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/02/grocery-cost-of-living-high.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/" rel="bookmark">Grocery Debt: the &#8220;New Normal&#8221; for Canadians in 2026: What Spergel&#8217;s survey reveals</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the &#8220;credit orbit&#8221; and the rising trend of juggling bills to afford basic essentials.</p>
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<article
class="post-8700 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8700" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" aria-label="Read: The average cost of living in Canada: a breakdown by province in 2026"><img loading="lazy" decoding="async" width="1024" height="682" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg" class="attachment-large size-large wp-post-image" alt="The average cost of living in Canada: a breakdown by province in 2025" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1024x682.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1-2048x1365.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_421851662-scaled-1.jpeg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 12 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/" rel="bookmark">The average cost of living in Canada: a breakdown by province in 2026</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.</p>
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<article
class="post-15953 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15953" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" aria-label="Read: Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png" class="attachment-large size-large wp-post-image" alt="photo showing bills and a calculator to see how to informally settle debt" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-1024x683.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-300x200.png 300w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM-768x512.png 768w, https://www.spergel.ca/wp-content/uploads/2026/02/ChatGPT-Image-Feb-18-2026-10_27_24-AM.png 1536w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> February 6 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/" rel="bookmark">Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians want to get out of debt without filing anything formal &#8211; no bankruptcy, no consumer proposal, no court</p>
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<article
class="post-15932 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15932" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" aria-label="Read: Retirement Debt Guide"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg" class="attachment-large size-large wp-post-image" alt="Retirement Debt Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/RDG_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/retirement-debt-guide/" rel="bookmark">Retirement Debt Guide</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.</p>
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<article
class="post-15918 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-e-books debt_types-small-business-debt topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-15918" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" aria-label="Read: Stay in Business: How to handle small business debt"><img loading="lazy" decoding="async" width="706" height="480" src="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured.jpg 706w, https://www.spergel.ca/wp-content/uploads/2026/01/SIB_featured-300x204.jpg 300w" sizes="(max-width: 706px) 100vw, 706px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 22 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/stay-in-business/" rel="bookmark">Stay in Business: How to handle small business debt</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.</p>
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" aria-label="Read: Spergel’s Financial Hangover Survey &amp; Results"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="Spergel’s Financial Hangover Survey &amp; Results" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image-1536x1025.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2026/01/Site-Image.jpg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> January 15 / 2026 </span></span></div>		</header><!-- .entry-header -->
		<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/" rel="bookmark">Spergel’s Financial Hangover Survey &amp; Results</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.</p>
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gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_2_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_2_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_2_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_2_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_2_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_2_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_30" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_2_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_2_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_2_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_2_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_2_34' type='hidden' class='gform_hidden'  aria-invalid="false" value='Mozilla/5.0 (X11; compatible; semantic-visions.com crawler; HTTPClient 4.5)' /></div></div><div id="field_2_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below 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aria-invalid="false" value='' /></div></div><div id="field_2_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_2_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_2_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_2_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_44" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_2_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_45" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_2_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_46" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_2_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_47" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_2_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_48" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_2_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_49" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_2_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_50" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_2_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_51" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_2_51' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_52" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_2_52' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_53" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description 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value='' /></div></div><div id="field_2_56" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_2_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_57" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_2_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_58" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description 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aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_61" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_2_61' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_62" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_2_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/e-books/feed/' /></div></div><div id="field_2_63" class="gfield gfield--type-hidden gfield--input-type-hidden 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