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	<title>Budgeting Tools &#8211; Spergel</title>
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	<title>Budgeting Tools &#8211; Spergel</title>
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		<title>Gift Giving Budget Tracker</title>
		<link>https://www.spergel.ca/learning-centre/gift-giving-budget-tracker/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Wed, 29 Oct 2025 13:22:32 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=14847</guid>

					<description><![CDATA[Feeling stressed about gift shopping and budgets? We get it. That’s why we built this free, user-friendly Gift Giving Budget Tracker to help you plan ahead and spend 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">Gift Giving Budget Tracker</h1>				</div>
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							<span class="elementor-post-info__item-prefix">Date:</span>
										<time>October 29 / 2025</time>					</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Take Control of Your Gift Spending?</h2>				</div>
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					<h3 class="elementor-heading-title elementor-size-default">Download Our Gift Giving Budget (Digital) Template!</h3>				</div>
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									<p>Your free budget tracker to help you organize gift ideas, manage spending and give with confidence.</p>								</div>
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									<ul><li data-start="570" data-end="672"><p data-start="572" data-end="672"><strong data-start="572" data-end="588">Set a budget</strong> – Establish a spending limit for gifts across different occasions and recipients.</p></li><li data-start="673" data-end="751"><p data-start="675" data-end="751"><strong data-start="675" data-end="694">Track purchases</strong> – Log each gift, its cost, and where it was purchased.</p></li><li data-start="752" data-end="840"><p data-start="754" data-end="840"><strong data-start="754" data-end="774">Monitor spending</strong> – Compare your actual spending to your budget to stay on track.</p></li><li data-start="841" data-end="935"><p data-start="843" data-end="935"><strong data-start="843" data-end="857">Plan ahead</strong> – Organize gift ideas for upcoming birthdays, holidays, and special events.</p></li><li data-start="936" data-end="1095"><p data-start="938" data-end="1095"><strong data-start="938" data-end="967">Review spending summaries</strong> – Use the Total Budget Summary and Gift Tracker Dashboard to see how much you’ve spent and track progress toward your budget.</p></li></ul>								</div>
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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
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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">
		<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">
		<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/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">
		<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/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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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: 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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' target='gform_ajax_frame_2' id='gform_2'  action='/content-type/tools-trackers/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'>Email</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/tools-trackers/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/tools-trackers/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/tools-trackers/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 gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_2_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_41" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_42" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_42' type='hidden' class='gform_hidden'  aria-invalid="false" 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		<item>
		<title>Annual / Monthly Budget Tracker</title>
		<link>https://www.spergel.ca/learning-centre/budget-tracker/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Mon, 25 Aug 2025 15:25:47 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=7217</guid>

					<description><![CDATA[Feeling overwhelmed by your finances? We understand. That’s why we created this free, user-friendly Budget Template.]]></description>
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			<div class="ast-breadcrumbs-inner"><nav role="navigation" aria-label="Breadcrumbs" class="breadcrumb-trail breadcrumbs" ><div class="ast-breadcrumbs"><ul class="trail-items" ><li  class="trail-item trail-begin"><span><a href="https://www.spergel.ca/" rel="home"><span >Home</span></a></span></li><li  class="trail-item"><span><a href="https://www.spergel.ca/learning-centre/"><span >Learning Centre</span></a></span></li><li  class="trail-item trail-end"><span><span>Budgeting Tools</span></span></li></ul></div></nav></div>
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
				<div class="elementor-element elementor-element-c077925 elementor-widget__width-initial elementor-widget elementor-widget-heading" data-id="c077925" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
					<h1 class="elementor-heading-title elementor-size-default">Annual / Monthly Budget Tracker</h1>				</div>
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									<p>Take control of your finances! Our free Daily Spending Tracker helps you log expenses, track income, and visualize your spending habits — so you can stay on budget and reach your financial goals.</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>August 25 / 2025</time>					</span>
								</li>
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													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author">
							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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										<span class="elementor-post-info__terms-list">
				<a href="https://www.spergel.ca/content-type/tools-trackers/" class="elementor-post-info__terms-list-item">Budgeting Tools</a>				</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Reach Your Goals? </h2>				</div>
				<div class="elementor-element elementor-element-4b8d650 elementor-widget elementor-widget-heading" data-id="4b8d650" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
					<h3 class="elementor-heading-title elementor-size-default">Download Our Annual / Monthly Budget Tracker (Digital) Template!</h3>				</div>
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									<p>Empower Yourself &#8211; With the Right Tools to Get There.</p>								</div>
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					<h3 class="elementor-heading-title elementor-size-default">Enter Your Details to Get Your Download</h3>				</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='3' class='gform_hidden' /></div></fieldset><div id="field_3_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_3_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_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_3_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3_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_3_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description 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aria-invalid="false" value='' /></div></div><div id="field_3_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_3_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden 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class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3" 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=3&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=b23505b9c89e9fe5e64ada38f160c922' />
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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">
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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">
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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">
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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">
		<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/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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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: 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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' target='gform_ajax_frame_2' id='gform_2'  action='/content-type/tools-trackers/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'>Company</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/tools-trackers/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/tools-trackers/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/tools-trackers/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 gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_2_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_41" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_42" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_43" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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 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		<item>
		<title>Groceries Budget Tracker</title>
		<link>https://www.spergel.ca/learning-centre/groceries-budget-tracker/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 17:52:34 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1811</guid>

					<description><![CDATA[Want to take control of your grocery budget? Our free Groceries Budget Tracker helps you organize expenses, track spending, and stay on top of your finances with ease!]]></description>
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			<div class="ast-breadcrumbs-inner"><nav role="navigation" aria-label="Breadcrumbs" class="breadcrumb-trail breadcrumbs" ><div class="ast-breadcrumbs"><ul class="trail-items" ><li  class="trail-item trail-begin"><span><a href="https://www.spergel.ca/" rel="home"><span >Home</span></a></span></li><li  class="trail-item"><span><a href="https://www.spergel.ca/learning-centre/"><span >Learning Centre</span></a></span></li><li  class="trail-item trail-end"><span><span>Budgeting Tools</span></span></li></ul></div></nav></div>
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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">Groceries Budget Tracker</h1>				</div>
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									<p>Want to take control of your grocery budget? Our free Groceries Budget Tracker helps you organize expenses, track spending, and stay on top of your finances with ease!</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>July 29 / 2025</time>					</span>
								</li>
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													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author">
							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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										<span class="elementor-post-info__terms-list">
				<a href="https://www.spergel.ca/content-type/tools-trackers/" class="elementor-post-info__terms-list-item">Budgeting Tools</a>				</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Reach Your Goals? </h2>				</div>
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					<h3 class="elementor-heading-title elementor-size-default">Download Our Daily Spending Tracker (Digital) Template!</h3>				</div>
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									<p>Empower Yourself &#8211; With the Right Tools to Get There.</p>								</div>
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					<h3 class="elementor-heading-title elementor-size-default">Enter Your Details to Get Your Download</h3>				</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='3' class='gform_hidden' /></div></fieldset><div id="field_3_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_3_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_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_3_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3_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_3_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description 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aria-invalid="false" value='' /></div></div><div id="field_3_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_3_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden 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class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3" 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=3&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=b23505b9c89e9fe5e64ada38f160c922' />
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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
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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">
		<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">
		<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/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">
		<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/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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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: 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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' target='gform_ajax_frame_2' id='gform_2'  action='/content-type/tools-trackers/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'>Company</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/tools-trackers/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/tools-trackers/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/tools-trackers/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 gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_2_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_41" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_42" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_43" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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 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			</item>
		<item>
		<title>Goal Tracker Template</title>
		<link>https://www.spergel.ca/learning-centre/goal-tracker-template/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 17:39:38 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1796</guid>

					<description><![CDATA[Want to make this year your best yet? Our free Goal Tracker Template empowers you to set clear goals, track your progress, and stay motivated throughout the year!]]></description>
										<content:encoded><![CDATA[		<div data-elementor-type="wp-post" data-elementor-id="1796" class="elementor elementor-1796" data-elementor-post-type="post">
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			<div class="ast-breadcrumbs-inner"><nav role="navigation" aria-label="Breadcrumbs" class="breadcrumb-trail breadcrumbs" ><div class="ast-breadcrumbs"><ul class="trail-items" ><li  class="trail-item trail-begin"><span><a href="https://www.spergel.ca/" rel="home"><span >Home</span></a></span></li><li  class="trail-item"><span><a href="https://www.spergel.ca/learning-centre/"><span >Learning Centre</span></a></span></li><li  class="trail-item trail-end"><span><span>Budgeting Tools</span></span></li></ul></div></nav></div>
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		<div class="elementor-element elementor-element-c52d9de py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="c52d9de" data-element_type="container" data-e-type="container">
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									<p><a href="/learning-centre/"><span style="text-decoration: underline;">&lt; Back to Learning Centre</span></a></p>								</div>
				<div class="elementor-element elementor-element-5961987 elementor-widget__width-initial elementor-widget elementor-widget-heading" data-id="5961987" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
					<h1 class="elementor-heading-title elementor-size-default">Goal Tracker Template</h1>				</div>
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									<p>Want to make this year your best yet? Our free Goal Tracker Template empowers you to set clear goals, track your progress, and stay motivated throughout the year!</p>								</div>
		<div class="elementor-element elementor-element-0b6847c e-con-full e-flex e-con e-child" data-id="0b6847c" data-element_type="container" data-e-type="container">
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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>July 29 / 2025</time>					</span>
								</li>
				<li class="elementor-icon-list-item elementor-repeater-item-f47d6e5 elementor-inline-item" itemprop="author">
													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author">
							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
								</li>
				</ul>
						</div>
				<div class="elementor-element elementor-element-88cea91 elementor-align-center elementor-widget elementor-widget-post-info" data-id="88cea91" data-element_type="widget" data-e-type="widget" data-widget_type="post-info.default">
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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/content-type/tools-trackers/" class="elementor-post-info__terms-list-item">Budgeting Tools</a>				</span>
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								</li>
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		<div class="elementor-element elementor-element-3d9a7d5 py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="3d9a7d5" data-element_type="container" data-e-type="container" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Reach Your Goals? </h2>				</div>
				<div class="elementor-element elementor-element-c9312e4 elementor-widget elementor-widget-heading" data-id="c9312e4" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
					<h3 class="elementor-heading-title elementor-size-default">Download Our Goal Tracker (Digital) Template!</h3>				</div>
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									<p>Empower Yourself &#8211; With the Right Tools to Get There.</p>								</div>
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															<img loading="lazy" decoding="async" width="1500" height="945" src="https://www.spergel.ca/wp-content/uploads/2025/07/goal-tracker-mockup.png" class="attachment-full size-full wp-image-1801" alt="Goal Tracker mockup" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/goal-tracker-mockup.png 1500w, https://www.spergel.ca/wp-content/uploads/2025/07/goal-tracker-mockup-300x189.png 300w, https://www.spergel.ca/wp-content/uploads/2025/07/goal-tracker-mockup-1024x645.png 1024w, https://www.spergel.ca/wp-content/uploads/2025/07/goal-tracker-mockup-768x484.png 768w" sizes="(max-width: 1500px) 100vw, 1500px" />															</div>
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					<h3 class="elementor-heading-title elementor-size-default">Enter Your Details to Get Your Download</h3>				</div>
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                        </div></div><div id="field_3_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_3_4'>CAPTCHA</label><div id='input_3_4' class='ginput_container ginput_recaptcha' data-sitekey='6Ld2sCgsAAAAACq2xHiCJbZUcHPw8qZrcRmKXp5o'  data-theme='light' data-tabindex='0'  data-badge=''></div></div><fieldset id="field_3_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_3_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_3_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='3' class='gform_hidden' /></div></fieldset><div id="field_3_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_3_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_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_3_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3_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_3_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description 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aria-invalid="false" value='' /></div></div><div id="field_3_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_3_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden 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class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3" 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=3&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=b23505b9c89e9fe5e64ada38f160c922' />
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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
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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">
		<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">
		<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/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">
		<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/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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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: 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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' target='gform_ajax_frame_2' id='gform_2'  action='/content-type/tools-trackers/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/tools-trackers/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/tools-trackers/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/tools-trackers/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 gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_2_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_41" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_42" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_42' type='hidden' class='gform_hidden'  aria-invalid="false" 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		<item>
		<title>Daily Spending Tracker</title>
		<link>https://www.spergel.ca/learning-centre/spending-tracker/</link>
		
		<dc:creator><![CDATA[Spergel]]></dc:creator>
		<pubDate>Tue, 29 Jul 2025 16:00:20 +0000</pubDate>
				<category><![CDATA[General]]></category>
		<guid isPermaLink="false">https://www.spergel.ca/?p=1758</guid>

					<description><![CDATA[Take control of your finances! Our free Daily Spending Tracker helps you log expenses, track income, and visualize your spending habits — so you can stay on budget and reach your financial goals.]]></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">Daily Spending Tracker</h1>				</div>
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									<p>Take control of your finances! Our free Daily Spending Tracker helps you log expenses, track income, and visualize your spending habits — so you can stay on budget and reach your financial goals.</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>July 29 / 2025</time>					</span>
								</li>
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													<span class="elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author">
							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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										<span class="elementor-post-info__terms-list">
				<a href="https://www.spergel.ca/content-type/tools-trackers/" class="elementor-post-info__terms-list-item">Budgeting Tools</a>				</span>
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					<h2 class="elementor-heading-title elementor-size-default">Ready to Reach Your Goals? </h2>				</div>
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					<h3 class="elementor-heading-title elementor-size-default">Download Our Daily Spending Tracker (Digital) Template!</h3>				</div>
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									<p>Empower Yourself &#8211; With the Right Tools to Get There.</p>								</div>
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					<h3 class="elementor-heading-title elementor-size-default">Enter Your Details to Get Your Download</h3>				</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='3' class='gform_hidden' /></div></fieldset><div id="field_3_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_3_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_25' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_26' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_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_3_27' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_28' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_29' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_30' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_31' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_32' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_33' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3_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_3_35' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_36' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_37' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_38' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_39' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_42' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_43' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_44' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_45' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_46' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_47' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_48" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description 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aria-invalid="false" value='' /></div></div><div id="field_3_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_3_54' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_55' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_56' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_57' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_58' type='hidden' class='gform_hidden'  aria-invalid="false" value='65.21.231.190' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden 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class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_62' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_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_3_63' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_64" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below 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type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_70' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_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_3_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_3" 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=3&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=b23505b9c89e9fe5e64ada38f160c922' />
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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
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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">
		<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">
		<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/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">
		<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/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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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: 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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' target='gform_ajax_frame_2' id='gform_2'  action='/content-type/tools-trackers/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'>X/Twitter</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/tools-trackers/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/tools-trackers/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/tools-trackers/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 gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_2_40' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_41" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_41' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_42" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_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_2_42' type='hidden' class='gform_hidden'  aria-invalid="false" 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Cookies.get("wbraid") ? jQuery('[id="input_2_53"]').val(decodeURIComponent(sanitizeInput(Cookies.get("wbraid")) ?? '')) : '';
Cookies.get("gbraid") ? jQuery('[id="input_2_54"]').val(decodeURIComponent(sanitizeInput(Cookies.get("gbraid")) ?? '')) : '';
Cookies.get("handl_original_ref") ? jQuery('[id="input_2_55"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_original_ref")) ?? '')) : '';
Cookies.get("handl_landing_page") ? jQuery('[id="input_2_56"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_landing_page")) ?? '')) : '';
Cookies.get("handl_landing_page_base") ? jQuery('[id="input_2_57"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_landing_page_base")) ?? '')) : '';
Cookies.get("handl_ip") ? jQuery('[id="input_2_58"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_ip")) ?? '')) : '';
Cookies.get("handl_ref") ? jQuery('[id="input_2_59"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_ref")) ?? '')) : '';
Cookies.get("handl_url") ? jQuery('[id="input_2_60"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_url")) ?? '')) : '';
Cookies.get("handl_ref_domain") ? jQuery('[id="input_2_61"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_ref_domain")) ?? '')) : '';
Cookies.get("handl_url_base") ? jQuery('[id="input_2_62"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_url_base")) ?? '')) : '';
Cookies.get("gaclientid") ? jQuery('[id="input_2_63"]').val(decodeURIComponent(sanitizeInput(Cookies.get("gaclientid")) ?? '')) : '';
Cookies.get("organic_source") ? jQuery('[id="input_2_64"]').val(decodeURIComponent(sanitizeInput(Cookies.get("organic_source")) ?? '')) : '';
Cookies.get("organic_source_str") ? jQuery('[id="input_2_65"]').val(decodeURIComponent(sanitizeInput(Cookies.get("organic_source_str")) ?? '')) : '';
Cookies.get("user_agent") ? jQuery('[id="input_2_66"]').val(decodeURIComponent(sanitizeInput(Cookies.get("user_agent")) ?? '')) : '';
Cookies.get("traffic_source") ? jQuery('[id="input_2_67"]').val(decodeURIComponent(sanitizeInput(Cookies.get("traffic_source")) ?? '')) : '';
Cookies.get("first_traffic_source") ? jQuery('[id="input_2_68"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_traffic_source")) ?? '')) : '';
Cookies.get("handlID") ? jQuery('[id="input_2_69"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handlID")) ?? '')) : '';
Cookies.get("_fbc") ? jQuery('[id="input_2_70"]').val(decodeURIComponent(sanitizeInput(Cookies.get("_fbc")) ?? '')) : '';
Cookies.get("_fbp") ? jQuery('[id="input_2_71"]').val(decodeURIComponent(sanitizeInput(Cookies.get("_fbp")) ?? '')) : '';
 }, 1000);
        })
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				</div>
					</div>
				</div>
				</div>
		]]></content:encoded>
					
		
		
			</item>
	</channel>
</rss>
