From Survival to Stability: How to Budget When Every Dollar Counts

In today’s economy, where inflation and rising costs put a strain on every household, budgeting is more than a financial exercise—it’s a critical skill for survival. This free e-book, “From Survival to Stability: How to Budget When Every Dollar Counts”, is your step-by-step guide to mastering your money, making every dollar count, and building a foundation for a secure financial future.

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Rebuilding After Debt: A Step-by-Step Guide to Financial Stability

Many Canadians are living paycheque to paycheque

With nearly half of Canadians living with little to no savings, managing finances has become an overwhelming struggle. Our guide is here to show you how to take control of your money, reduce stress, and confidently navigate financial challenges, no matter your income.

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See What’s Inside

  • Discover practical, no-nonsense budgeting strategies to help you build a spending plan that works for you.
  • Learn how to slash your living costs with smart tips on grocery shopping, utility bills, and transportation.
  • Understand effective debt management strategies and how to start building an emergency fund, even with a low income.
  • Get access to Spergel’s exclusive financial trackers, including our Budget Tracker, Spend Tracker, and Grocery Tracker.
  • Find expert advice on how to plan for the future and achieve long-term financial stability.

Empower yourself

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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.

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What To Say When Debt Collectors Call: A Canadian Guide

What To Say When Debt Collectors Call

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.

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The Mortgage Renewal Survival Guide

The Mortgage Renewal Survival Guide

If your mortgage is up for renewal, you’re not alone in feeling the pressure. With soaring interest rates and inflated costs, millions of Canadians are facing significantly higher monthly payments.

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