Credit Counselling – Finding A ‘New Normal’

credit counselling

Finding a Life Beyond the Chains of Debt

Many of the people we work with spent years believing that credit card debt was ‘normal’. They felt that consumer debt was ok – because there was no other way to pay for the lifestyle they thought they had to have.

When we introduce them to the fiscally-sound and wise ideas of thrift and saving – and encourage them to spend below their means, it is often as if a light bulb turns on in their heads.

Clearly, they had heard of the dangers of debt before, but when they are working with us, they are in the process of removing their debts and getting a fresh financial start. At that point they can see how wonderful a debt-free life would be – and better yet, they know they can achieve it.

It is exciting to be part of a client’s discovery of their ‘new normal’ – and the realization that their future will be more financially sound.

Finding a ‘New Normal’ for Yourself

You do not need to wait until you are forced to declare bankruptcy or file a consumer proposal to find a ‘new normal’ for yourself.

Start by taking the time to figure out what your goals in life really are, exactly what your current finances are, and what you need to do to achieve your goals. To help you with this process, we have a free, simple 5 step plan to get you get started.

What is a ‘New Normal’?

It varies from person to person – but in general it includes things like:

  • having a plan for your future that involves achieving the goals you really want to achieve,
  • tracking your goals and the actions you need to take to achieve them,
  • having an emergency savings fund that is only for emergencies and is enough for 3 to 6 months of living expenses,
  • saving for things before you buy them,
  • never using your credit cards as a source of income,
  • celebrating your frugality – rather than your latest meaningless purchase, and
  • judging yourself by the quality of your character and not by the things you have.

Change is scary – but if you want to start living the life you really want, you need to find a ‘new normal’ that will help you achieve your goals.

Share This!

Share on facebook
Share on twitter
Share on linkedin
Share on reddit
Share on pinterest
I've used these services twice and they have always been understanding, supportive and informative. They give you hope when you feel like there is none. I've referred multiple people to them and they've all had the same professional experiences. Jackie Stanley was amazing and got the job done. Thank you!
Kirah32
02:07 03 Mar 21
Dealing with any kind of debt can be stressful. Jackie is amazing! Professional, warm and extremely helpful to say the least! She made sure to answer all of our questions, address any concerns and made this whole process as smooth as possible.
Kristine San Gabriel
15:14 02 Mar 21
Working with David Sklar has been an easy and detailed process. I am especially thankful for the personal services provided by Jackie Stanley as she has been very informative and always ready to answer any questions or concerns in a timely manner. I highly suggest working with Jackie if the opportunity presents itself.
Clayton Surujbally
17:09 18 Feb 21
On February 2 l made the somber driveTo David Sklar and associates.I had known this location from having drovePast it many times over the years.I made a appointment using the phone numberOn their door in Pickering, OntLater that day l had a consultation withTrina Powell.Immediately upon meeting with her l wasBecomming more relaxed with the proceedings.Trina, was very down to earth, and very professional.We all have our calling, l can only gather sheHas found hers, and she is very good at herJob, and career.I met with her again two days later but on thisVisit l felt more relaxed, and self assured of myDecisions, having already met with Trina.Thank you! Hat's off to you.I also had a phone zoom call with MarkTo whom as well was very easy, and comfortableTo talk to,Thank you, Mark.The team at David Sklar and associatesShould take great pride, and comfort when theyHelp people, like me and probably so many others.Thank you.
Chris Thompson
17:11 07 Feb 21
I have dealt with this company before many years ago when I did my bankruptcy , and found to be very trustworthy, professional, and right at ease. No judgement, very understanding and very supportive. So of course would come to then again when this time did the debt consolidation. The staff is friendly and goes over all the details with you and answers all your questions so you know exactly what to expect and make an informative decisison. I aslo like how if I had any questions could leave a message or email the company and how promptly they answer me back. Thank you David Sklar & Associates for getting me back on the right track and living a life of debt free again. I have my freedom back thank you for all your help and support. Amen 🙏
Desiree Balkaran
17:09 07 Feb 21
I am so grateful to Rhoda Lewis for an amazing opportunity to start fresh, she is very knowledgeable, professional and very friendly. I felt so comfortable from the moment I walked into her office, I definitely would recommend Rhoda to anyone who is looking for help. I love and appreciate you very much for helping me. After all these years I still kept in touch with you via email just to say thank you. Thank you again so very much and continued blessings.
Elizabeth Thomas
09:18 04 Feb 21
Jackie Stanley will take you step by step in explaining the process professionally, answering all the question I had over the telephone or e-mail. We are very satisfied and grateful for her work and effort. Dan Podeanu
Andrei Podeanu
02:09 01 Feb 21
Ashley Carter was very nice to me and professional and she helped me with my issue and she answer my questions in email. She helped me a lot and she gave me less stress.
Daniel Domingues
22:19 23 Jan 21
Jackie Stanley take you step by step in explaining the process professionally, replying on our every question over the telephone or e-mail. We are very satisfied and grateful for her work and effort.
1 blaze
18:36 21 Jan 21
Jackie and the team at David Sklar and Associates took my very stressful situation and made me feel at ease. I was treated with respect and understanding from the start of my process right through to the end. Prompt email and phone responses made it feel like I was at the top of their priority list.Jackie and the team at David Sklar are the best in the business. I would highly recommend using their services.
Tree Broker
14:33 20 Jan 21