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Take Control Of Your 2022 Finances With A Budget

Staying afloat during COVID-19 has been a challenge for most households especially now that the unemployment rate has risen due to companies closing down their businesses. People that are living by paycheck to paycheck are the ones taking the hardest hit in their finances.

In this article, we’ll provide you with some important tips to help you take control of your finances during the COVID-19.

Know more about us and what we can do by clicking on the button below…

Sick Kids

We donate $1 for every client that is eligible.

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

Finance Budget Canada

Why is budgeting more important now more than ever?

Without proper budgeting in place, even a $10,000 monthly budget cannot get you successfully through the month. Creating a financial budget will help your money go a long way, compared to not having one as you can easily lose track of your spending and most likely find yourself falling short.

Times are uncertain because of the impact of the coronavirus pandemic on your mortgages, car payments, loans, and credit card bills are more critical due to job losses and reduced work hours. That is why budgeting to save money for emergencies will greatly add help remedy financial emergencies if and when required.

3 Tips to Take Control of Your Finances

Finances with a Budget

1. Understanding “Wants vs Needs”

Analyze your personal finances by separating the essential from the luxury. This is not just simply cutting cost, but also being disciplined to maintain a budget that is allocated for primary things that are needed in your daily lives.

Needs are things that are essential for you to live and to perform as a human being. Commonly, these are recurring expenses that appear to take a huge chunk of your paycheck. For instance, nowadays, healthcare can be considered a necessity. “Wants” on the other hand, are expenditures that help you live more comfortably, such as leisure or to have fun.

You can also list all the things you buy or the services you pay for, starting from groceries to bills. Then categorize it into two groupswants and needs. Then you can trim down things you don’t really need urgently and postpone its purchase if necessary, to make room for more cash flow.

2. Earn More Money & Save

There are many things that you can do to earn more money, some will do a side gig while others will look for a higher paying job. While this can work, it is a huge decision to make.

There are simple things that you can do to save money. Start from your cable subscriptions and credit card fees. You may call these companies and tell them that you are a good, long-term customer and that want to know what they can do to lower your rates. In simple words, negotiate a better rate with these companies and you can save a few hundreds of dollars per month. Instead of leaving your current job and start looking for a new high paying job, it is also wise to start negotiating a raise with your Manager.

3. Pay Off Your Debt

It’s a fact that the longer you wait to pay off your debt, the faster it grows and accumulates interest, and it becomes difficult to get rid of. Paying down your debt should be your priority when planning on getting in control of your finances. While this may sound very difficult, it is possible. Some people have debt from Credit Cards, Personal Loans, HST, 407, Household Bills, Personal Taxes, Car Loans, Payday Loans, and Student loan; and might feel overwhelmed by these. But there is a government-approved debt relief program to help you easily pay off these debts altogether.

Debt Consolidation is one of the best options to consider when planning to pay off your debt. We will help consolidate your debt into a single and affordable monthly payment. Our debt relief program is designed to help Canadians with debt over $10,000. The program is easy, guaranteed, and painless.

If you owe more than $10,000 or more worth of debt, you need to know about this information that will change your life, forever! This is a government-approved debt relief program that will help you reduce 50%-75% of your debt. That means you only have to pay a portion of your debt and the rest is forgiven. We offer a free consultation for anyone in Canada looking to take control of their finances and eliminate debt.

National Debt Relief Services welcomes anyone who needs help in getting rid of their debt. We don’t charge upfront fees, even if you don’t use us; you will have known an important government program that can help you finally solve your debt problem.

We offer a personalized debt relief and consolidation program that fits your unique financial situation. Use the button below to get started and speak to one of our debt specialists who will explain everything about the amazing benefits of our debt relief options.

In the meantime, you may read hundreds of 5-star google reviews about us at this link.

Get a free debt savings estimate by clicking the below button.

Our Clients 5-Star Reviews

Marlies Visser
Marlies Visser
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“Caroline was very helpful in helping me with the process of dealing with my debt. Many thanks to her.”
A B
A B
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“Connie is a beautiful person inside and out. You can tell she wants to genuinely help people achieve their goals. She is realistic and upfront with the best options that suit your individual needs. Thank you.”
Chris V
Chris V
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I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.
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Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

No contact details required to find out if you qualify

Sick Kids

We donate $1 for every client that is eligible.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.

SEE IF YOU QUALIFY TO:

No contact details required to find out if you qualify

Sick Kids

We donate $1 for every client that is eligible.

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.

 

This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

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See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
20/09/2020
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
18/09/2020
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
18/09/2020
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
18/09/2020
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
18/09/2020
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
18/09/2020
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
18/09/2020
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
17/09/2020
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
17/09/2020
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
17/09/2020
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

Plus we give back with every customer.

Sick Kids

We donate $1 for every client that is eligible.

We Help Over 200+ Ontario Clients Per Day

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Get a free savings estimate today. There is no obligation.

Sick Kids

We donate $1 for every client that is eligible.