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Tools and advice

You are here for a reason, your financial situation. Evaluate it.

Many of us accumulate assets and increase our expenses from year to year, thinking that our anticipated income growth will be enough to cover these increases.


Consult our tools and tips to learn more about your situation.

Is your home too big or too expensive?
Do you have a car that is too expensive?

By preparing a monthly budget and following it, comparing your actual expenses with your budget, you will be more aware of your ability to make certain purchases.

Calculate your debt ratio, you'll understand everything.
Debt to equity ratio


Salaire brut (avant déduction) $/mois
Revenus de loyer $/mois
Revenus de pension $/mois
Revenus de placement $/mois
Autres revenus $/mois
Total $


Loyer $/mois
Hypothèque $/mois
Taxes scolaires et municipales $/mois
Frais de chauffage/électricité $/mois
Prêt auto $/mois
Marge de crédit $/mois
Cartes de crédit $/mois
Autres prêts $/mois
Total $

Votre ratio d’endettement est :


Ratio below 30%.


Ratio of 31% to 39%.


Ratio greater than 40%.


Free initial consultation

A ratio greater than 40% is considered problematic.

It is likely that you are having difficulty paying for certain living expenses such as groceries, electricity, family and personal expenses. This is a sign that you need to take charge of your financial situation now and get your budget back under control.

Assess your financial situation
Now that your situation is a little clearer,
here are the two steps to follow:
1. Make your budget by downloading our tool

Once you have made your budget, you will be able to better control your finances. We know it's not easy to do this budget exercise, but you'll be amazed at the results.

2. Negotiate with your creditors

Negotiating new agreements with your creditors in order to adapt your payments to your budget, i.e. your ability to pay, is often a more acceptable solution for your creditors than bankruptcy.

You can then stop the pressure from collection agencies, eliminate the anxiety that a ringing phone can cause you and put in place a repayment plan that works for you and your creditors.

This approach can be more difficult if you have several creditors, or if some of them refuse to discuss it. A consumer proposal or even bankruptcy may be your only options.

Some tips to help you

Although it's a bargain, think of the end of the month and the satisfaction of not having to pay for something you can live without. Remember that the satisfaction of such a purchase is quickly forgotten while the debt remains on your credit card for a long time;

Do you think that if you only make the minimum payments on your credit cards, you'll ever pay them all off? Look at your statements, they tell you for example, that if you make the minimum payment each month on a balance of $2,700, it will take you 23 years and 8 months to pay off that balance in full, not including all the interest you have paid on that balance;

Beware of advertisements, don't succumb to the temptation to buy compulsively, look at your budget and stick to your budget plan;

Avoid buying a property that you did not plan to buy. On the one hand, it is very rare that these impulse purchases are necessary;

Buy now, pay later" purchases are only attractive to merchants. On the one hand, the financing of this purchase is included in the price, you could buy the same property at a better price if you pay cash. If you don't have the money now, it's unlikely you'll have it in 12 months. It's best to plan for this type of purchase and put aside some savings each month for the purchase. This will also allow you to learn about the choice of model that is recommended by some studies and to better analyze your needs;

Take advantage of sales, discounts or sales, some sales come back every year at specific periods, take the time to observe these trends. Also take advantage of closing sales, end-of-lease liquidations, or simply inventory liquidations of slightly damaged items. You'll be amazed at the savings you can achieve.

Nos appels et rencontres sont 100% confidentiels et une consultation n'affecte pas votre cote de crédit.