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.

Take Your First Step Towards A Debt Free Life

If you are overwhelmed by debt and live in the Toronto area, call us at 416-498-9200 to book a FREE, confidential appointment. We will review your financial situation in detail and discuss all of your options with you. Alternatively, you can fill out the form below and our team will reach out to you. 

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Ready to live debt free?

Jerry is a very patient person, he answered all my questions and made this experience so smooth and easy for me. I was not sure what to expect but dealing with him made me feel so much better. He sure knows what he is doing and how to put people at ease for sure (should have done this long ago). I recommend him to anyone I am so glad I had him on my side and now to do my part. Thanks Jerry ur greatPattie
Patty Murphy
21:34 18 May 22
Rhoda Lewis helped me achieve a fresh start two and half years ago! She was very professional with a very warm, caring personality! I emailed her today with a question and she responded quickly. She's great at her chosen profession!!
Debbie Livingston
01:24 11 May 22
Nothing but good things to say about Jackie. She was so nice and so understand and everything was so quick and easy. In a matter of a week, there was the solution that I never thought was possible. Thank you so very much for everything that you have done. ❤️❤️❤️
Cassandra Keenan
21:05 10 May 22
I was in a lot of debt and stress, Jackie Stanley with David Sklar & Associates was very professional, and extremely helpful with getting out of debt. I should of did this sooner, they take the all the weight and stress of a persons shoulders, amazing team at David Sklar & Associates!!
Hubert Z
03:08 10 May 22
Jackie helped me out during a really tough time and she made the entire process very easy and painless. I highly recommend reaching out to her if you find yourself in any financial trouble. You won’t be disappointed!
prettylush 13
02:42 10 May 22
I had a good experience with Jackie. Making appointment to see her was easy and follow up was great. I appreciated the detailed information she gave and the clear explanation of the options I had. While I landed on this company without anyone's recommendation, I will be happy to recommend their services to those who need them.
Kipyego arap Serem
19:00 09 May 22
Jackie has been really helpful with my issues. She is approachable and friendly and I recommend her to anyone trying to access her services.
Ankita Sisodia
18:51 09 May 22
The service that was provided to me from Trina at David Sklar and Associates was nothing but superb! I was referred to them through family, and Trina was nothing but understanding and so so so helpful! Every part of the process was smooth and efficient and she explained everything to me so I would be able to understand the process. Can’t believe the weight that has been lifted off my shoulders. Thank you so so much Trina!
Christina Ivany
15:52 07 May 22
I’m so glad that I spoke to Rhoda. I was nervous having to claim bankruptcy, but Rhoda is very resourceful and has a wonderful way of putting you at ease. I felt like I was speaking to my best friend. Rhoda from the bottom of my heart thank you for your help and kindness it goes along way. Linda Bennett
Linda Bennett
15:29 06 May 22
I was absolutely terrified of admitting I needed help and was in a tough position where my best option was to file for bankruptcy. As someone with severe anxiety it was one of the hardest calls I had to make but once I spoke with Trina at David Sklar she immediately made me feel at ease and like I was in good hands. I mostly dealt with Trina and Eva who were so kind and communicative throughout the whole process and made it as painless as possible.I did briefly speak with a couple of other associates from time to time and they were also equally as lovely. The reviews for this company obviously say a lot about these guys and it rings true. I’m not someone who usually writes lengthy reviews but I am happy to recommend David Sklar and associates for anything. Thank you guys for always treating your clients like human beings and always being available for questions or concerns.
Emma Higgins
19:14 02 May 22
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