Before using the budget template, gather this information Before you get started with our free budget spreadsheet below, you’ll need some key financial ... premiums, debt or loan amounts ...

Managing debt is crucial for financial success. Avoid consumer debt, pay off education before making large purchases like a home, and recognize the difference between productive and wasteful ...

It ensures you have the funds to cover your essentials — like housing, groceries, utilities, and your monthly debt payments — while also working toward other financial and savings goals.

To analyze how Canadians’ reliance on credit card debt relates to future financial stress, I use microdata from TransUnion. These data contain the anonymized credit history—including that of credit ...