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.
- 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 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.
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
Money Tips, Tools & Trackers, Research, Articles, Media and More!
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.
Debt Load and the Impact to Psychological Wellbeing
Unveiling the mental health impact of debt: a groundbreaking Spergel study exploring the link between debt and mental health.
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.
Groceries Budget Tracker
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!
Goal Tracker Template
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!
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