Managing Digital Costs (MNP 3 Minute Debt Break) MNP 3 Minute Debt Break podcast

3:04

MNP 3 Minute Debt Break

1
Pros and Cons of Consumer Proposals (MNP 3 Minute Debt Break) 2:55

8 days ago2:55

2:55

MNP 3 Minute Debt Break

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Breaking the Cycle of Minimum Payments (MNP 3 Minute Debt Break) 2:55

24 days ago2:55

2:55

Credit cards come with the promise of convenience, flexibility, and rewards, making them an essential tool for many consumers. However, the flip side of this convenience is the potential for debt accumulation, especially when only the minimum payments are made each month.

MNP 3 Minute Debt Break

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Retiring Debt Free (MNP 3 Minute Debt Break) 2:56

5 weeks ago2:56

2:56

As Canadians approach retirement, the dream of living those years free from financial burdens becomes increasingly important. However, the reality for many is that they enter retirement carrying debt, which can significantly impact their lifestyle and peace of mind.

MNP 3 Minute Debt Break

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Retraite Sans Dette (Parlons Dettes EN 3 Minutes) 3:07

5 weeks ago3:07

3:07

À mesure que les Canadiens approchent de la retraite, le rêve de vivre ces années sans contraintes financières devient de plus en plus important. Toutefois, la réalité pour beaucoup de personnes est qu'elles arrivent à la retraite avec des dettes, ce qui peut avoir un impact significatif sur leur mode de vie et leur tranquillité d'esprit.…

MNP 3 Minute Debt Break

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Tips and Tricks To Pay Off Your Debts (MNP 3 Minute Debt Break) 2:49

8 weeks ago2:49

2:49

Debt can feel like a never-ending weight on your shoulders, especially as the cost of living continues to rise. Interest rates have gone up, everyday essentials are more expensive, and for many Canadians, incomes haven’t kept pace with inflation.

MNP 3 Minute Debt Break

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What Debt Collectors Can and Cannot Do (MNP 3 Minute Debt Break) 2:52

10 weeks ago2:52

2:52

Managing debt is already stressful enough without the constant pressure from collection calls. It often starts with reminders about overdue balances, but before long, it can escalate to intimidating threats, claims your wages will be garnished, your credit ruined, or even that your assets could be seized. As a result, you may feel trapped.…

MNP 3 Minute Debt Break

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Agents de recouvrement (Parlons Dettes EN 3 Minutes) 3:01

10 weeks ago3:01

3:01

La gestion de nos dettes peut être suffisamment stressante sans devoir subir la pression des appels de recouvrement. Cela commence souvent par des rappels concernant des soldes impayés, mais la situation peut rapidement dégénérer en menaces plus sérieuses, comme la saisie de votre salaire, la détérioration de votre cote de crédit, ou même la saisie de vos biens.…

MNP 3 Minute Debt Break

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January 2025 Debt Index (MNP 3 Minute Debt Break) 3:18

11 weeks ago3:18

3:18

As 2025 begins, Canadians are entering the year with growing concerns about their personal finances. Despite declining interest rates, the latest MNP Consumer Debt Index reveals a steep 10-point drop to 79, marking the second-lowest level since its inception in 2017.

MNP 3 Minute Debt Break

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Revenu Unique et Dette (Parlons Dettes EN 3 Minutes) 3:07

14 weeks ago3:07

3:07

Vivre avec un seul revenu peut sembler accablant, tout spécialement lorsque vous avez des dettes à gérer. Cela donne l’impression qu’il n’y a aucune façon d’épargner ou d’investir, mais avec une planification réfléchie et de la détermination, vous pouvez prendre le contrôle de vos finances.

MNP 3 Minute Debt Break

1
Living on a Single Income (MNP 3 Minute Debt Break) 2:50

14 weeks ago2:50

2:50

Living on a single income can feel overwhelming, especially when you have debts to manage. It might seem like there’s no way to save or invest, but with some thoughtful planning and determination, you can take control of your finances.

MNP 3 Minute Debt Break

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Debt and the Emotional Journey (MNP 3 Minute Debt Break) 3:00

16 weeks ago3:00

3:00

Did you know that 38% of Canadians identify money as their biggest source of stress? Moreover, 35% report that financial stress is causing them to experience anxiety, depression, and other mental health challenges.

MNP 3 Minute Debt Break

1
Remords de l'acheteur (Parlons Dettes EN 3 Minutes) 2:59

18 weeks ago2:59

2:59

Imaginez ceci : vous venez de vous inscrire dans une salle de sport, d’acheter une propriété en multipropriété ou de souscrire à un nouveau forfait, persuadé que c’était une excellente idée. Puis, des doutes s’installent. Ce sentiment est connu sous le nom de remords de l’acheteur, et il est bien plus fréquent qu’on ne le pense.…

MNP 3 Minute Debt Break

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Buyers Remorse Laws (MNP 3 Minute Debt Break) 2:54

18 weeks ago2:54

2:54

Imagine this: you’ve just signed up for a gym membership, bought into a timeshare, or switched to a new service plan after someone convinced you it was a good idea. Now, you’re having second thoughts. It’s called buyer’s remorse, and it’s more common than you might think.

MNP 3 Minute Debt Break

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Holiday Parties on a Budget (MNP 3 Minute Debt Break) 2:58

21 weeks ago2:58

2:58

The holidays are a time for gathering with friends and family, sharing laughter, and creating memories. But hosting a holiday party can get expensive, especially with rising costs these days. Thankfully, you don’t need to spend a fortune to throw a memorable celebration.

MNP 3 Minute Debt Break

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Bad Debt (MNP 3 Minute Debt Break) 2:58

23 weeks ago2:58

2:58

Debt can be a double-edged sword. On one hand, it can be a valuable tool to build credit and achieve financial goals, like buying a home or pursuing higher education.

MNP 3 Minute Debt Break

1
Créances Irrécouvrables (Parlons Dettes EN 3 Minutes) 3:27

23 weeks ago3:27

3:27

L'endettement peut être une arme à double tranchant. D'une part, il peut s'agir d'un outil précieux pour développer le crédit et atteindre des objectifs financiers, comme l'achat d'une maison ou la poursuite d'études supérieures.

MNP 3 Minute Debt Break

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October Debt Index (MNP 3 Minute Debt Break) 3:09

25 weeks ago3:09

3:09

The latest MNP Consumer Debt Index rises to 89 points as lower interest rates improve financial outlook. But the cost of living is forcing Canadians to make some tough sacrifices.

MNP 3 Minute Debt Break

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Financial Literacy (MNP 3 Minute Debt Break) 3:01

27 weeks ago3:01

3:01

What is “Financial Literacy”? In the simplest terms, financial literacy is understanding how money works. It's about grasping the basics of budgeting, saving, investing, and managing debt.

MNP 3 Minute Debt Break

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Littératie Financière (Parlons Dettes EN 3 Minutes) 3:24

27 weeks ago3:24

3:24

Qu’est-ce que la « Littératie Financière »? En termes simples, la littératie financière consiste à comprendre le fonctionnement de l’argent. Il s’agit de comprendre les bases de la budgétisation, de l’épargne, de l’investissement et de la gestion des dettes.

MNP 3 Minute Debt Break

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Checking Your Credit Score (MNP 3 Minute Debt Break) 3:07

29 weeks ago3:07

3:07

Checking your credit score regularly is an essential step in managing your financial health. Your credit report is a comprehensive summary of your credit history, detailing information like payment history, credit accounts, outstanding balances, and any accounts sent to collections due to non-payment.…

MNP 3 Minute Debt Break

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Dette et Divorce (Parlons Dettes EN 3 Minutes) 3:24

31 weeks ago3:24

3:24

Vivre un divorce ou une séparation peut être un défi émotionnel et financier, et l'un des aspects les plus complexes est la gestion des dettes. Tout comme les actifs, les dettes doivent être examinées. Le partage des dettes peut soulever de nombreuses questions quant à la responsabilité, en particulier lorsque l'un des conjoints ou les deux ont du mal à les rembourser.…

MNP 3 Minute Debt Break

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Debt In a Divorce (MNP 3 Minute Debt Break) 3:03

31 weeks ago3:03

3:03

Going through a divorce or separation can be emotionally and financially challenging, and one of the most complex aspects is dealing with debt. Just as assets are divided, debts must be looked at too. The division of debt can raise lots of questions about responsibility, especially when one or both spouses struggle to pay it off on their own.…

MNP 3 Minute Debt Break

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Good Reasons for Borrowing Money (MNP 3 Minute Debt Break) 3:03

34 weeks ago3:03

3:03

Borrowing money often gets a bad rap, but in actuality… it’s not always a bad thing. Sometimes life throws unexpected expenses your way, or maybe you need extra cash to invest in your future. In these situations, borrowing can be a smart financial decision... if you’re careful.

MNP 3 Minute Debt Break

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Avantages d'une Proposition de Consommateur (Parlons Dettes EN 3 Minutes) 3:04

36 weeks ago3:04

3:04

Près de la moitié des Canadiens se trouvent à seulement 200 $ de ne pas pouvoir couvrir leurs dépenses mensuelles. Si vous ressentez une pression financière, vous n'êtes pas seul. Mais que faire lorsque des coûts imprévus vous poussent au bord du gouffre? Si vous luttez contre des dettes mais souhaitez éviter les conséquences à long terme d'une faillite, une proposition de consommateur pourrait être la solution idéale.…

MNP 3 Minute Debt Break

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Pros and Cons of Consumer Proposals (MNP 3 Minute Debt Break) 2:55

36 weeks ago2:55

2:55

Almost half of all Canadians are just $200 away from not being able to cover their monthly expenses. If you're feeling the financial squeeze, you're not alone. But what happens when unexpected costs push you over the edge? If you're grappling with debt but want to avoid the long-term effects of bankruptcy, a Consumer Proposal might be your solution.…

MNP 3 Minute Debt Break

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July Debt Index (MNP 3 Minute Debt Break) 2:59

38 weeks ago2:59

2:59

The MNP Consumer Debt Index has dropped to 85 points, down six points from the previous quarter. Conducted quarterly by Ipsos on behalf of MNP Limited, the Consumer Debt Index tracks Canadians’ attitudes about their debt and ability to meet their monthly payment obligations.

MNP 3 Minute Debt Break

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Mariage et Dettes (Parlons Dettes EN 3 Minutes) 3:25

40 weeks ago3:25

3:25

De nombreux Canadiens entrent dans le mariage avec un fardeau de dettes important. Étant l’un des pays les plus endettés au monde, cela n’est pas surprenant.

MNP 3 Minute Debt Break

1
Marriage and Debt (MNP 3 Minute Debt Break) 3:03

40 weeks ago3:03

3:03

Many Canadians enter marriage with a significant debt burden. As one of the most indebted countries globally, this isn't surprising.

MNP 3 Minute Debt Break

1
Myth-Busting Consumer Proposals (MNP 3 Minute Debt Break) 3:07

43 weeks ago3:07

3:07

Debt can be a heavy burden, and exploring a consumer proposal can feel daunting. It's natural to seek information online or talk to loved ones during this stressful time.

MNP 3 Minute Debt Break

1
Managing Digital Costs (MNP 3 Minute Debt Break) 3:02

45 weeks ago3:02

3:02

In today’s digital era, the convenience of obtaining anything with a tap of your finger is undeniable. However, these luxuries can quickly add up, significantly impacting your bank account.

MNP 3 Minute Debt Break

1
Gestion des Coûts Numériques (Parlons Dettes EN 3 Minutes) 3:32

45 weeks ago3:32

3:32

Dans l'ère numérique d'aujourd'hui, la simplicité avec laquelle on peut obtenir tout ce que l'on veut d'un simple toucher du doigt est indéniable. Toutefois, ces luxes peuvent rapidement s'accumuler et avoir un impact significatif sur votre compte bancaire.

MNP 3 Minute Debt Break

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How Often Can You File for Bankruptcy? (MNP 3 Minute Debt Break) 3:04

47 weeks ago3:04

3:04

Canadians are facing a cost-of-living crisis. With rampant inflation, many have taken on more debt just to make ends meet. With interest rates still high, some households might be considering declaring Bankruptcy for the first, second, or even a third time.

MNP 3 Minute Debt Break

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Budget pour L'Inflation (Parlons Dettes EN 3 Minutes) 3:35

49 weeks ago3:35

3:35

Le coût des produits de consommation courante est en hausse depuis quelques années, ce qui entraîne une augmentation du prix de la nourriture, de l'essence, des vêtements et d'autres produits essentiels dont les Canadiens ont besoin. Selon le calculateur d'inflation de la Banque du Canada, les coûts ont augmenté de 15 % entre 2020 et 2023.…

MNP 3 Minute Debt Break

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How To Budget For Inflation (MNP 3 Minute Debt Break) 3:07

49 weeks ago3:07

3:07

The cost of daily goods has been rising over the past few years, increasing the price of food, gas, clothing, and other essential items Canadians need. According to the Bank of Canada’s Inflation Calculator, costs have increased by 15 percent from 2020 to 2023. This means an item that used to be $1.00 now costs $1.15. If your income hasn’t increased by 15 percent in the same period, you might be feeling the pinch of inflation on your budget. Now might be a good time to revisit your budget to ensure your monthly income covers your expenses.…

MNP 3 Minute Debt Break

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Remords de l'acheteur (Parlons Dettes EN 3 Minutes) 3:10

50 weeks ago3:10

3:10

Nous avons tous été dans cette situation. Vous utilisez votre carte de crédit ou signez sur la ligne pointillée pour un achat que vous avez tant désiré. Cependant, après quelques instants, jours, voire même une semaine, un sentiment de malaise s'installe. Peut-être que l'achat ne correspond pas tout à fait à vos attentes, que le budget n'est pas aussi flexible que prévu, ou que vous estimez que l'argent aurait pu être dépensé de manière plus judicieuse ailleurs.…

MNP 3 Minute Debt Break

1
Buyers Remorse (MNP 3 Minute Debt Break) 2:47

50 weeks ago2:47

2:47

We've all been there. You swipe your credit card or sign on the dotted line for a purchase you've been dreaming about. But then, a minute, a day, or even a week later, that sinking feeling sets in. Maybe the purchase isn't quite what you expected, the budget doesn't stretch that far, or you think the money could have been better spent elsewhere.…

MNP 3 Minute Debt Break

1
April Debt Index (MNP 3 Minute Debt Break) 3:07

1 year ago3:07

3:07

The latest MNP Consumer Debt Index has rebounded significantly to 91 points — an eight-point jump since last quarter after a full year of low scores.

MNP 3 Minute Debt Break

1
What Are The Signs Of Good Financial Health (MNP 3 Minute Debt Break) 3:04

1 year ago3:04

3:04

Managing personal finances in Canada's current economic landscape is a discussion most households are having. With high levels of household debt, soaring inflation, and climbing interest rates, understanding and navigating personal finance has become crucial for individuals and families alike.

MNP 3 Minute Debt Break

1
L’ARC m’a évalué (Parlons Dettes EN 3 Minutes) 3:11

1 year ago3:11

3:11

Imaginez recevoir un appel avec le message, « Nous sommes l’Agence du revenu du Canada. Nous avons évalué votre déclaration de revenus que vous n’avez pas produite, et vous avez un solde important à payer ». Ce scénario semble-t-il trop familier ? C’est une situation dans laquelle se retrouvent souvent de nombreux Canadiens, souvent en raison d’un oubli ou d’une confusion concernant leurs obligations fiscales.…

MNP 3 Minute Debt Break

1
The CRA Assessed Me Whats Next (MNP 3 Minute Debt Break) 3:03

1 year ago3:03

3:03

Imagine receiving a call with the message, "This is the Canada Revenue Agency calling. We assessed your tax return that you didn’t file, and you have a significant balance owing." Does this scenario seem all too familiar? It's a situation many Canadians find themselves in, often due to oversight or confusion regarding tax obligations.…

MNP 3 Minute Debt Break

1
What If I Owe the CRA a Lot of Money (MNP 3 Minute Debt Break) 2:55

1 year ago2:55

2:55

Owing the government money can be VERY intimidating. It’s a topic that resonates with many Canadians. How to deal with debt owed to the Canada Revenue Agency, especially given the CRA's broad powers to collect what's owed. We’ll dive into what those powers entail, how you can navigate the situation, and what options are available if you find yourself overwhelmed.…

MNP 3 Minute Debt Break

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Is There a Statute of Limitations On My Debt (MNP 3 Minute Debt Break) 2:45

1 year ago2:45

2:45

Each province in Canada has its unique statute of limitations governing how long a creditor has to take legal action against you for debt collection. Taking Alberta as an example, under the Limitations Act, a creditor has two key time frames to initiate legal proceedings: within two years from when they first became aware of the debt or ten years after the claim arose, depending on which period ends first.…

MNP 3 Minute Debt Break

1
Dette de l’ARC (Parlons Dettes EN 3 Minutes) 2:58

1 year ago2:58

2:58

Avoir une dette envers le gouvernement peut être TRÈS intimidant. C'est un sujet qui résonne avec bon nombre de Canadiens. Comment aborder les obligations envers l'Agence du revenu du Canada, surtout compte tenu des pouvoirs étendus de l'ARC pour recouvrer les sommes dues ? Nous allons analyser en détail les implications de ces pouvoirs, comment naviguer dans cette situation et quelles alternatives s'offrent à vous si vous vous sentez dépassé.…

MNP 3 Minute Debt Break

1
January Debt Index (MNP 3 Minute Debt Break) 3:04

1 year ago3:04