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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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			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> June 17 / 2026 </span></span></div>		</header><!-- .entry-header -->
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				<p>Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.</p>
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class="post-8774 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-8774" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" aria-label="Read: How to save money on groceries in Canada: 10 practical tips" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to save money on groceries" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-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"> June 11 / 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-save-money-on-groceries/" rel="bookmark">How to save money on groceries in Canada: 10 practical tips</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move &#8211; it’s a smart way to take control of your spending. </p>
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<article
class="post-11969 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-e-books debt_types-collection-calls topics-collection-calls 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-11969" 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/debt-collector-script/" aria-label="Read: What To Say When Debt Collectors Call" ><img loading="lazy" decoding="async" width="641" height="439" src="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png" class="attachment-large size-large wp-post-image" alt="What To Say When Debt Collectors Call: A Canadian Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png 320w" sizes="(max-width: 641px) 100vw, 641px" /></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"> June 9 / 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/debt-collector-script/" rel="bookmark">What To Say When Debt Collectors Call</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.</p>
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<article
class="post-8658 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-life-events 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-8658" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/" aria-label="Read: How to leave a marriage with no money in Canada: a step-by-step guide to financial independence" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to leave a marriage with no money" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.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"> June 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/how-to-leave-a-marriage-with-no-money/" rel="bookmark">How to leave a marriage with no money in Canada: a step-by-step guide to financial independence</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.</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"> June 3 / 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-17187 post type-post status-publish format-standard has-post-thumbnail hentry category-general 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-17187" 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/is-spergel-legit/" aria-label="Read: Is Spergel legit? What you need to know before choosing a debt help company" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg" class="attachment-large size-large wp-post-image" alt="is-spergel-legit.jpg" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg 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"> April 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/is-spergel-legit/" rel="bookmark">Is Spergel legit? What you need to know before choosing a debt help company</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government. </p>
<p>This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.</p>
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<article
class="post-8730 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-8730" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/" aria-label="Read: Why are groceries so expensive in Canada? (2026 update)" ><img loading="lazy" decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg" class="attachment-large size-large wp-post-image" alt="Why are groceries so expensive in Canada?" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-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"> April 16 / 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-are-groceries-so-expensive/" rel="bookmark">Why are groceries so expensive in Canada? (2026 update)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.</p>
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<article
class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<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/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed" ><img loading="lazy" 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">
		<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/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
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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
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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
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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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		<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
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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
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			<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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106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_2' class='gform_anchor' tabindex='-1'></div>
                        <div class='gform_heading'>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data' 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'>Facebook</label><div class='ginput_container'><input name='input_72' id='input_2_72' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_2_72'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_2_1" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_2_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_2_3'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_3' id='input_2_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </div></div><fieldset id="field_2_7" class="gfield gfield--type-consent gfield--type-choice gfield--input-type-consent gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Consent</legend><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_2_7_1' type='checkbox' value='1'    aria-invalid="false"   /> <label class="gform-field-label gform-field-label--type-inline gfield_consent_label" for='input_2_7_1' >I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.</label><input type='hidden' name='input_7.2' value='I agree to receive communications from Spergel. I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_2_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_2_11' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_2_12' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_2_13' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_2_14' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_2_15' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_2_16' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_2_17' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_18" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_2_18' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_20" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_2_21' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_2_23' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_2_24' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/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='78.46.42.69' /></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 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/120.0.0.0 Safari/537.36 (Compatible; SemanticVisionsBot/1.0; +http://semantic-visions.com)' /></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 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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="elementor-shortcode"><div class="ast-breadcrumbs-wrapper">
			<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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                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_3_6" class="gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden"  ><div class="admin-hidden-markup"><i class="gform-icon gform-icon--hidden" aria-hidden="true" title="This field is hidden when viewing the form"></i><span>This field is hidden when viewing the form</span></div><label class='gfield_label gform-field-label' for='input_3_6'>Tracker Type</label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_3_6' type='text' value='monthly-tracker' class='large'      aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_3_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_3_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </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='78.46.42.69' /></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 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/120.0.0.0 Safari/537.36 (Compatible; SemanticVisionsBot/1.0; +http://semantic-visions.com)' /></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 field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_3_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_3_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_3_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_51" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_3_51' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_52" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_3_52' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_53" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_53' id='input_3_53' type='hidden' class='gform_hidden'  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='78.46.42.69' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_3_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_3_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_3_61' type='hidden' 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 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class="post-8262 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-rebuilding-credit 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-8262" 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/remove-collections-from-credit-report-in-canada/" aria-label="Read: How to remove collections from your credit report in Canada (2026)" ><img decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg" class="attachment-large size-large wp-post-image" alt="Remove collections from credit report in Canada: a how-to guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-768x511.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1536x1022.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-2048x1362.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-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"> June 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/remove-collections-from-credit-report-in-canada/" rel="bookmark">How to remove collections from your credit report in Canada (2026)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.</p>
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<article
class="post-8774 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-8774" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" aria-label="Read: How to save money on groceries in Canada: 10 practical tips" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to save money on groceries" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-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"> June 11 / 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-save-money-on-groceries/" rel="bookmark">How to save money on groceries in Canada: 10 practical tips</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move &#8211; it’s a smart way to take control of your spending. </p>
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<article
class="post-11969 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-e-books debt_types-collection-calls topics-collection-calls 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-11969" 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/debt-collector-script/" aria-label="Read: What To Say When Debt Collectors Call" ><img loading="lazy" decoding="async" width="641" height="439" src="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png" class="attachment-large size-large wp-post-image" alt="What To Say When Debt Collectors Call: A Canadian Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png 320w" sizes="(max-width: 641px) 100vw, 641px" /></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"> June 9 / 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/debt-collector-script/" rel="bookmark">What To Say When Debt Collectors Call</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.</p>
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<article
class="post-8658 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-life-events 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-8658" 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-leave-a-marriage-with-no-money/" aria-label="Read: How to leave a marriage with no money in Canada: a step-by-step guide to financial independence" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to leave a marriage with no money" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.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"> June 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/how-to-leave-a-marriage-with-no-money/" rel="bookmark">How to leave a marriage with no money in Canada: a step-by-step guide to financial independence</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.</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"> June 3 / 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-17187 post type-post status-publish format-standard has-post-thumbnail hentry category-general 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-17187" 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/is-spergel-legit/" aria-label="Read: Is Spergel legit? What you need to know before choosing a debt help company" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg" class="attachment-large size-large wp-post-image" alt="is-spergel-legit.jpg" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg 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"> April 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/is-spergel-legit/" rel="bookmark">Is Spergel legit? What you need to know before choosing a debt help company</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government. </p>
<p>This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.</p>
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<article
class="post-8730 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-8730" 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/why-are-groceries-so-expensive/" aria-label="Read: Why are groceries so expensive in Canada? (2026 update)" ><img loading="lazy" decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg" class="attachment-large size-large wp-post-image" alt="Why are groceries so expensive in Canada?" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-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"> April 16 / 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-are-groceries-so-expensive/" rel="bookmark">Why are groceries so expensive in Canada? (2026 update)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.</p>
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<article
class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<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/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed" ><img loading="lazy" 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-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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                <div class='gf_browser_chrome gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 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I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden 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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 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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 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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>
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							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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				<a href="https://www.spergel.ca/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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							<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_3' id='gform_3'  action='/content-type/tools-trackers/feed/#gf_3' data-formid='3' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_3_6" class="gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden"  ><div class="admin-hidden-markup"><i class="gform-icon gform-icon--hidden" aria-hidden="true" title="This field is hidden when viewing the form"></i><span>This field is hidden when viewing the form</span></div><label class='gfield_label gform-field-label' for='input_3_6'>Tracker Type</label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_3_6' type='text' value='grocery-tracker' class='large'      aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_3_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_3_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </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='78.46.42.69' /></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 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/120.0.0.0 Safari/537.36 (Compatible; SemanticVisionsBot/1.0; +http://semantic-visions.com)' /></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 field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_3_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_3_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_3_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_51" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_3_51' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_52" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_3_52' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_53" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_53' id='input_3_53' type='hidden' class='gform_hidden'  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='78.46.42.69' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_3_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_3_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_3_61' type='hidden' 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 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					<h2 class="elementor-heading-title elementor-size-default">Benefits of Tracking Templates:​</h2>				</div>
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									<ul><li><strong>Budget Summary Dashboard:</strong> Gain a clear overview of your grocery spending with visual charts comparing budgeted vs. actual expenses.</li><li><strong>Category &amp; Item Organization:</strong> Customize spending categories and assign specific grocery items for structured tracking.</li><li><strong>Store &amp; Expense Logging:</strong> Record purchases with details like date, store, category, item, budgeted price, quantity, and actual cost.</li><li><strong>Automatic Calculations:</strong> Instantly see total costs, compare spending to your budget, and identify areas for savings.</li></ul>								</div>
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class="post-8262 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-rebuilding-credit 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-8262" 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/remove-collections-from-credit-report-in-canada/" aria-label="Read: How to remove collections from your credit report in Canada (2026)" ><img decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg" class="attachment-large size-large wp-post-image" alt="Remove collections from credit report in Canada: a how-to guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-768x511.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1536x1022.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-2048x1362.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-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"> June 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/remove-collections-from-credit-report-in-canada/" rel="bookmark">How to remove collections from your credit report in Canada (2026)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.</p>
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<article
class="post-8774 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-8774" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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	<div class="post-content ast-grid-common-col" >
		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" aria-label="Read: How to save money on groceries in Canada: 10 practical tips" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to save money on groceries" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-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"> June 11 / 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-save-money-on-groceries/" rel="bookmark">How to save money on groceries in Canada: 10 practical tips</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move &#8211; it’s a smart way to take control of your spending. </p>
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<article
class="post-11969 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-e-books debt_types-collection-calls topics-collection-calls 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-11969" 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/debt-collector-script/" aria-label="Read: What To Say When Debt Collectors Call" ><img loading="lazy" decoding="async" width="641" height="439" src="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png" class="attachment-large size-large wp-post-image" alt="What To Say When Debt Collectors Call: A Canadian Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png 320w" sizes="(max-width: 641px) 100vw, 641px" /></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"> June 9 / 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/debt-collector-script/" rel="bookmark">What To Say When Debt Collectors Call</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.</p>
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<article
class="post-8658 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-life-events 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-8658" 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-leave-a-marriage-with-no-money/" aria-label="Read: How to leave a marriage with no money in Canada: a step-by-step guide to financial independence" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to leave a marriage with no money" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.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"> June 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/how-to-leave-a-marriage-with-no-money/" rel="bookmark">How to leave a marriage with no money in Canada: a step-by-step guide to financial independence</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.</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"> June 3 / 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-17187 post type-post status-publish format-standard has-post-thumbnail hentry category-general 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-17187" 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/is-spergel-legit/" aria-label="Read: Is Spergel legit? What you need to know before choosing a debt help company" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg" class="attachment-large size-large wp-post-image" alt="is-spergel-legit.jpg" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg 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"> April 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/is-spergel-legit/" rel="bookmark">Is Spergel legit? What you need to know before choosing a debt help company</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government. </p>
<p>This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.</p>
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<article
class="post-8730 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-8730" 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/why-are-groceries-so-expensive/" aria-label="Read: Why are groceries so expensive in Canada? (2026 update)" ><img loading="lazy" decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg" class="attachment-large size-large wp-post-image" alt="Why are groceries so expensive in Canada?" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-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"> April 16 / 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-are-groceries-so-expensive/" rel="bookmark">Why are groceries so expensive in Canada? (2026 update)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.</p>
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<article
class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<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/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed" ><img loading="lazy" 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-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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                <div class='gf_browser_chrome gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 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I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden 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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 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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 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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="elementor-shortcode"><div class="ast-breadcrumbs-wrapper">
			<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>
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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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		<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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					<h3 class="elementor-heading-title elementor-size-default">Enter Your Details to Get Your Download</h3>				</div>
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							<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_3' id='gform_3'  action='/content-type/tools-trackers/feed/#gf_3' data-formid='3' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_3_6" class="gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden"  ><div class="admin-hidden-markup"><i class="gform-icon gform-icon--hidden" aria-hidden="true" title="This field is hidden when viewing the form"></i><span>This field is hidden when viewing the form</span></div><label class='gfield_label gform-field-label' for='input_3_6'>Tracker Type</label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_3_6' type='text' value='goal-tracker' class='large'      aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_3_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_3_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </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='78.46.42.69' /></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 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/120.0.0.0 Safari/537.36 (Compatible; SemanticVisionsBot/1.0; +http://semantic-visions.com)' /></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 field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_3_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_3_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_3_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_51" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_3_51' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_52" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_3_52' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_53" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_53' id='input_3_53' type='hidden' class='gform_hidden'  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='78.46.42.69' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_3_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_3_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_3_61' type='hidden' 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 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															<img loading="lazy" decoding="async" width="992" height="674" src="https://www.spergel.ca/wp-content/uploads/2025/07/blog-goal-tracker.jpg" class="attachment-full size-full wp-image-7188" alt="Goal Tracker Template" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/blog-goal-tracker.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/07/blog-goal-tracker-300x204.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/07/blog-goal-tracker-768x522.jpg 768w" sizes="(max-width: 992px) 100vw, 992px" />															</div>
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					<h2 class="elementor-heading-title elementor-size-default">Benefits of Tracking Templates:</h2>				</div>
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									<ul><li><strong>Resolutions Dashboard:</strong> Track your overall progress with a clear summary of goals set, goals achieved, and your success rate.</li><li><strong>Resolution Details:</strong> Define specific targets and milestones for each resolution, and track your progress with a visual progress bar.</li><li><strong>Frequency Marking:</strong> Log your progress daily, weekly, monthly, or yearly, depending on the nature of your goals.</li></ul>								</div>
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class="post-8262 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-rebuilding-credit 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-8262" 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/remove-collections-from-credit-report-in-canada/" aria-label="Read: How to remove collections from your credit report in Canada (2026)" ><img decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg" class="attachment-large size-large wp-post-image" alt="Remove collections from credit report in Canada: a how-to guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-768x511.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1536x1022.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-2048x1362.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-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"> June 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/remove-collections-from-credit-report-in-canada/" rel="bookmark">How to remove collections from your credit report in Canada (2026)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.</p>
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<article
class="post-8774 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-8774" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" aria-label="Read: How to save money on groceries in Canada: 10 practical tips" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to save money on groceries" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-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"> June 11 / 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-save-money-on-groceries/" rel="bookmark">How to save money on groceries in Canada: 10 practical tips</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move &#8211; it’s a smart way to take control of your spending. </p>
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<article
class="post-11969 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-e-books debt_types-collection-calls topics-collection-calls 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-11969" 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/debt-collector-script/" aria-label="Read: What To Say When Debt Collectors Call" ><img loading="lazy" decoding="async" width="641" height="439" src="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png" class="attachment-large size-large wp-post-image" alt="What To Say When Debt Collectors Call: A Canadian Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png 320w" sizes="(max-width: 641px) 100vw, 641px" /></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"> June 9 / 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/debt-collector-script/" rel="bookmark">What To Say When Debt Collectors Call</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.</p>
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<article
class="post-8658 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-life-events 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-8658" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/" aria-label="Read: How to leave a marriage with no money in Canada: a step-by-step guide to financial independence" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to leave a marriage with no money" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.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"> June 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/how-to-leave-a-marriage-with-no-money/" rel="bookmark">How to leave a marriage with no money in Canada: a step-by-step guide to financial independence</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.</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"> June 3 / 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-17187 post type-post status-publish format-standard has-post-thumbnail hentry category-general 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-17187" 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/is-spergel-legit/" aria-label="Read: Is Spergel legit? What you need to know before choosing a debt help company" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg" class="attachment-large size-large wp-post-image" alt="is-spergel-legit.jpg" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg 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"> April 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/is-spergel-legit/" rel="bookmark">Is Spergel legit? What you need to know before choosing a debt help company</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government. </p>
<p>This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.</p>
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<article
class="post-8730 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-8730" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/" aria-label="Read: Why are groceries so expensive in Canada? (2026 update)" ><img loading="lazy" decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg" class="attachment-large size-large wp-post-image" alt="Why are groceries so expensive in Canada?" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-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"> April 16 / 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-are-groceries-so-expensive/" rel="bookmark">Why are groceries so expensive in Canada? (2026 update)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.</p>
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<article
class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed" ><img loading="lazy" 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
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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
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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
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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
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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
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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
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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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                <div class='gf_browser_chrome gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 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                        </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 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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 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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 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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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			<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">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-post-info__item-prefix">Date:</span>
										<time>July 29 / 2025</time>					</span>
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							<span class="elementor-post-info__item-prefix">Author:</span>
										Spergel					</span>
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				<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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							<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_3' id='gform_3'  action='/content-type/tools-trackers/feed/#gf_3' data-formid='3' novalidate>
                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_3_6" class="gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden"  ><div class="admin-hidden-markup"><i class="gform-icon gform-icon--hidden" aria-hidden="true" title="This field is hidden when viewing the form"></i><span>This field is hidden when viewing the form</span></div><label class='gfield_label gform-field-label' for='input_3_6'>Tracker Type</label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_3_6' type='text' value='spending-tracker' class='large'      aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_1' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_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_3_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_3_2' type='text' value='' class='large'     aria-required="true" aria-invalid="false"   /></div></div><div id="field_3_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_3_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_3_3' type='email' value='' class='large'    aria-required="true" aria-invalid="false"  />
                        </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='78.46.42.69' /></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 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/120.0.0.0 Safari/537.36 (Compatible; SemanticVisionsBot/1.0; +http://semantic-visions.com)' /></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 field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_3_48' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_49" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_3_49' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_50" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_3_50' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_51" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_3_51' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_52" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_3_52' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_53" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_53' id='input_3_53' type='hidden' class='gform_hidden'  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='78.46.42.69' /></div></div><div id="field_3_59" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_3_59' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_3_60" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_3_60' type='hidden' class='gform_hidden'  aria-invalid="false" value='https://www.spergel.ca/content-type/tools-trackers/feed/' /></div></div><div id="field_3_61" class="gfield gfield--type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_3_61' type='hidden' 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 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class="post-8262 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-rebuilding-credit 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-8262" 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/remove-collections-from-credit-report-in-canada/" aria-label="Read: How to remove collections from your credit report in Canada (2026)" ><img decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg" class="attachment-large size-large wp-post-image" alt="Remove collections from credit report in Canada: a how-to guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-768x511.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1536x1022.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-2048x1362.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-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"> June 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/remove-collections-from-credit-report-in-canada/" rel="bookmark">How to remove collections from your credit report in Canada (2026)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.</p>
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<article
class="post-8774 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-8774" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" aria-label="Read: How to save money on groceries in Canada: 10 practical tips" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to save money on groceries" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-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"> June 11 / 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-save-money-on-groceries/" rel="bookmark">How to save money on groceries in Canada: 10 practical tips</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move &#8211; it’s a smart way to take control of your spending. </p>
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<article
class="post-11969 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-e-books debt_types-collection-calls topics-collection-calls 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-11969" 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/debt-collector-script/" aria-label="Read: What To Say When Debt Collectors Call" ><img loading="lazy" decoding="async" width="641" height="439" src="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png" class="attachment-large size-large wp-post-image" alt="What To Say When Debt Collectors Call: A Canadian Guide" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png 320w" sizes="(max-width: 641px) 100vw, 641px" /></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"> June 9 / 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/debt-collector-script/" rel="bookmark">What To Say When Debt Collectors Call</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.</p>
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<article
class="post-8658 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-life-events 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-8658" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/" aria-label="Read: How to leave a marriage with no money in Canada: a step-by-step guide to financial independence" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg" class="attachment-large size-large wp-post-image" alt="How to leave a marriage with no money" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.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"> June 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/how-to-leave-a-marriage-with-no-money/" rel="bookmark">How to leave a marriage with no money in Canada: a step-by-step guide to financial independence</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.</p>
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<article
class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada &#8211; updated for 2026" ><img loading="lazy" decoding="async" width="1024" height="684" src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div>		<header class="entry-header ast-blog-single-element ast-blog-meta-container">
			<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> June 3 / 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-17187 post type-post status-publish format-standard has-post-thumbnail hentry category-general 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-17187" 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/is-spergel-legit/" aria-label="Read: Is Spergel legit? What you need to know before choosing a debt help company" ><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg" class="attachment-large size-large wp-post-image" alt="is-spergel-legit.jpg" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg 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"> April 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/is-spergel-legit/" rel="bookmark">Is Spergel legit? What you need to know before choosing a debt help company</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government. </p>
<p>This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.</p>
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<article
class="post-8730 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-8730" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
		<div class="ast-post-format- blog-layout-1 ast-article-inner ast-no-date-box">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/" aria-label="Read: Why are groceries so expensive in Canada? (2026 update)" ><img loading="lazy" decoding="async" width="1024" height="681" src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg" class="attachment-large size-large wp-post-image" alt="Why are groceries so expensive in Canada?" itemprop="image" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-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"> April 16 / 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-are-groceries-so-expensive/" rel="bookmark">Why are groceries so expensive in Canada? (2026 update)</a></h2>			<div class="ast-excerpt-container ast-blog-single-element">
				<p>Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.</p>
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<article
class="post-8794 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8794" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
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		<div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/" aria-label="Read: The cost of living in British Columbia (2026): monthly expenses, cities, and income needed" ><img loading="lazy" 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
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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
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		<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
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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
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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
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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
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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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                <div class='gf_browser_chrome gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_2' ><style>#gform_wrapper_2[data-form-index="0"].gform-theme,[data-parent-form="2_0"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 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I understand that I can unsubscribe at any time.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='1' class='gform_hidden' /></div></fieldset><div id="field_2_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_2_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_2_10" class="gfield gfield--type-hidden 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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 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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 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Cookies.get("handl_ref_domain") ? jQuery('[id="input_2_29"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_ref_domain")) ?? '')) : '';
Cookies.get("handl_url_base") ? jQuery('[id="input_2_30"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handl_url_base")) ?? '')) : '';
Cookies.get("gaclientid") ? jQuery('[id="input_2_31"]').val(decodeURIComponent(sanitizeInput(Cookies.get("gaclientid")) ?? '')) : '';
Cookies.get("organic_source") ? jQuery('[id="input_2_32"]').val(decodeURIComponent(sanitizeInput(Cookies.get("organic_source")) ?? '')) : '';
Cookies.get("organic_source_str") ? jQuery('[id="input_2_33"]').val(decodeURIComponent(sanitizeInput(Cookies.get("organic_source_str")) ?? '')) : '';
Cookies.get("user_agent") ? jQuery('[id="input_2_34"]').val(decodeURIComponent(sanitizeInput(Cookies.get("user_agent")) ?? '')) : '';
Cookies.get("traffic_source") ? jQuery('[id="input_2_35"]').val(decodeURIComponent(sanitizeInput(Cookies.get("traffic_source")) ?? '')) : '';
Cookies.get("first_traffic_source") ? jQuery('[id="input_2_36"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_traffic_source")) ?? '')) : '';
Cookies.get("handlID") ? jQuery('[id="input_2_37"]').val(decodeURIComponent(sanitizeInput(Cookies.get("handlID")) ?? '')) : '';
Cookies.get("_fbc") ? jQuery('[id="input_2_38"]').val(decodeURIComponent(sanitizeInput(Cookies.get("_fbc")) ?? '')) : '';
Cookies.get("_fbp") ? jQuery('[id="input_2_39"]').val(decodeURIComponent(sanitizeInput(Cookies.get("_fbp")) ?? '')) : '';
Cookies.get("utm_source") ? jQuery('[id="input_2_40"]').val(decodeURIComponent(sanitizeInput(Cookies.get("utm_source")) ?? '')) : '';
Cookies.get("utm_medium") ? jQuery('[id="input_2_41"]').val(decodeURIComponent(sanitizeInput(Cookies.get("utm_medium")) ?? '')) : '';
Cookies.get("utm_term") ? jQuery('[id="input_2_42"]').val(decodeURIComponent(sanitizeInput(Cookies.get("utm_term")) ?? '')) : '';
Cookies.get("utm_content") ? jQuery('[id="input_2_43"]').val(decodeURIComponent(sanitizeInput(Cookies.get("utm_content")) ?? '')) : '';
Cookies.get("utm_campaign") ? jQuery('[id="input_2_44"]').val(decodeURIComponent(sanitizeInput(Cookies.get("utm_campaign")) ?? '')) : '';
Cookies.get("first_utm_source") ? jQuery('[id="input_2_45"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_utm_source")) ?? '')) : '';
Cookies.get("first_utm_medium") ? jQuery('[id="input_2_46"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_utm_medium")) ?? '')) : '';
Cookies.get("first_utm_term") ? jQuery('[id="input_2_47"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_utm_term")) ?? '')) : '';
Cookies.get("first_utm_content") ? jQuery('[id="input_2_48"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_utm_content")) ?? '')) : '';
Cookies.get("first_utm_campaign") ? jQuery('[id="input_2_49"]').val(decodeURIComponent(sanitizeInput(Cookies.get("first_utm_campaign")) ?? '')) : '';
Cookies.get("fbclid") ? jQuery('[id="input_2_50"]').val(decodeURIComponent(sanitizeInput(Cookies.get("fbclid")) ?? '')) : '';
Cookies.get("msclkid") ? jQuery('[id="input_2_51"]').val(decodeURIComponent(sanitizeInput(Cookies.get("msclkid")) ?? '')) : '';
Cookies.get("gclid") ? jQuery('[id="input_2_52"]').val(decodeURIComponent(sanitizeInput(Cookies.get("gclid")) ?? '')) : '';
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);
        })
    </script>
    </div>
						</div>
				</div>
				</div>
				</div>
					</div>
				</div>
				</div>
		]]></content:encoded>
					
		
		
			</item>
	</channel>
</rss>
