债务减免服务

获得免费的债务偿还计划

安全、可靠且保密

加拿大债务减免的五个步骤

面对债务时，如果我们不在日常生活中寻找管理和控制它的方法，可能会感觉永无止境。为了减轻您的负担，我们建议您在加拿大的债务减少之路上采取以下五个步骤：

步骤1. 制定并坚持预算

制定并生活在预算之内是解决债务的第一步。首先了解您的每月支出，并找出可以削减的领域。尝试至少将您每月收入的10%存起来。这可以帮助您：

创建用于抵消债务的资金
为生活中的意外支出建立安全网
向投资未来迈出一步
开始债务减免解决方案

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步骤2. 优先还清利率最高的债务

当您在处理不同利率的多笔债务时，策略性地选择首先解决哪个债务至关重要。您至少应支付每笔债务的最低还款额，但任何额外的资金应优先用于利率最高的债务，因为这是长期增长最多的债务。

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步骤3. 将债务从高利率转移到低利率

加速减少加拿大债务的一种方法是使用信用额度，这通常比其他债务的利率低。如果您有信用额度，可以考虑用它来偿还高利率的信用卡债务。如有必要，与银行沟通增加信用额度以清还信用卡债务。
对于房产所有者，可以考虑重新融资您的抵押贷款或获取第二抵押来偿还高利息债务。本质上，这些策略是在更低的利率下整合您的债务。

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步骤4. 增加您的收入

如果可行，寻找机会增加您的每月收入。即使是最小的金额，也可以在偿还债务方面产生重大影响。考虑加班工作，或者可能找一份第二份工作，因为额外的收入可以减轻您偿还债务的压力。或者，容纳一个室友或租客可能提供额外收入，加速您的债务减少。

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步骤5. 制定个人还款计划

像实现任何目标一样，偿还债务需要一个清晰的计划。制定具体目标以减少您的债务。信用咨询可以为您的消费提供新视角，并帮助您将习惯与新的财务目标重新对齐。
为自己制定一个带有到期日和预期还款金额的还款日历。您甚至可以考虑申请透支保护，并通过银行或在线平台自动化账单支付，以免错过还款。

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