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Tariffs are often discussed in terms of trade and jobs. Spergel’s new 2026 survey brings the focus closer to home: respondents reported lower employment income, greater reliance on credit, and rising household debt amid U.S. trade disruption. Many are still making payments even as their finances become harder to manage.
Spergel’s 3rd Annual Study explores the relationship between debt and mental health in Canada, including how financial stress affects Canadians’ wellbeing, relationships, and daily lives – and why many delay seeking help even when their debt has become overwhelming.
For many people, getting by in Canada increasingly means using debt or savings to pay for ordinary life.
Buy Now, Pay Later (BNPL) has quietly become one of the fastest-growing forms of consumer credit in Canada. It remains largely misunderstood, lightly regulated, and often excluded from traditional debt conversations.
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.
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 “credit orbit” and the rising trend of juggling bills to afford basic essentials.
As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.
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