The Real Cost of Borrowing: How Debt Sneaks Up On You
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles. It exposes the hidden costs of credit cards, the predatory nature of payday loans, and the true price of auto financing, empowering you with practical strategies to break free and take control of your financial future.
- Date:
- Author: Spergel
Ready to Take Control of Debt?
Download Our Free E-Book!
Build a More Secure Financial Future – Read the Essential Guide.
Enter Your Details to Get Your Download
"*" indicates required fields
Many Canadians are unknowingly falling into the borrowing trap.
See What’s Inside
- Learn how minimum payments keep you in debt for decades, and how credit card interest truly compounds.
- Understand why high-interest borrowing leads to dangerous debt cycles and discover smarter alternatives.
- See the real cost of long-term car financing, including depreciation and hidden fees.
- Learn how banks and lenders profit from your debt through interest and fees, and how products are designed to keep you paying.
- Get practical strategies to assess your debt, borrow smartly, and rebuild your financial stability.
Empower yourself
Money Tips, Tools & Trackers, Research, Articles, Media and More!
Gift Giving Budget Tracker
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.
Debt Load and the Impact to Psychological Wellbeing
Uncovering how debt impacts the mental health and wellbeing of Canadians and how debt relief can change lives.
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.
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.
Back to School Without the Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Bankruptcy exemptions by province in 2025
Are you considering filing for bankruptcy? Like many Canadians, you might be under the impression that you lose everything when you file.
Surplus income limits in Canada – updated for 2025
Each year, the Office of the Superintendent of Bankruptcy updates the surplus income limits for individuals filing for bankruptcy in Canada.
Annual / Monthly Budget Tracker
Feeling overwhelmed by your finances? We understand. That’s why we created this free, user-friendly Budget Template.
Unsure about filing for debt relief? Here’s how to feel confident in your next step
Starting the journey to deal with your debt is a big, brave step – but it’s also completely normal to feel unsure about filing for debt relief.
The hidden stress of everyday spending in Canada
Many Canadians worry about major life costs – mortgages, car loans, or tuition – but there’s another, quieter source of financial stress that often gets overlooked: everyday spending.
What Schools Didn’t Teach You About Managing Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
The Real Cost of Borrowing: How Debt Sneaks Up On You
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
From Survival to Stability: How to Budget When Every Dollar Counts
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Breaking Free: How to Overcome Debt and Reclaim Your Peace of Mind
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Debt and Relationships: Navigating Financial Struggles as a Couple or Family
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Rebuilding After Debt: A Step-by-Step Guide to Financial Stability
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Get Everything You’re Looking For - All In One Spot
Get More Tools, Tips & Insights Straight to Your Inbox!
Sign up today and get debt advice from experienced financial professionals.
Subscribe to our Newsletter
"*" indicates required fields