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.

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Money Tips, Tools & Trackers, Research, Articles, Media and More!

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Bankruptcy exemptions by province in 2026

Filing for bankruptcy in Canada does not mean you automatically lose everything you own. Bankruptcy exemptions protect certain assets you need for everyday life and work.

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U.S. tariffs, jobs, and household debt in Canada: 2026 survey findings

Tariffs are often discussed in terms of trade and jobs. Spergel’s new 2026 survey brings the focus closer to home: respondents reported lower employment income, greater reliance on credit, and rising household debt amid U.S. trade disruption. Many are still making payments even as their finances become harder to manage.

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The Emotional Toll of Debt

Spergel’s 3rd Annual Study explores the relationship between debt and mental health in Canada, including how financial stress affects Canadians’ wellbeing, relationships, and daily lives – and why many delay seeking help even when their debt has become overwhelming.

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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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