Credit Counselling – Finding A ‘New Normal’

credit counselling

Table of Contents

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, call us at 1-844-962-9200 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. 

Share This!

I had a great experience with Jerry Janiec and his team at David Sklar and associates. Within a week I was already accepted and filed for bankruptcy and in a few months I will be debt free! It feels like a lot of stress is off my shoulders. Jerry and his team are very friendly, helped me along the way and was there to explain every detail of the process with me. He gave my his card and is just an email/call away if I need any help with paperwork and completing my duties. He is a very patient and kind professional and I am so glad I chose him and this company to help me fix my financial problems. If you need help with a consumer proposal or bankruptcy (like I did) I highly recommend Jerry Janiec and David Sklar and associates!
Lisa Gomez
1709492022
Very professional and caring. Cori, explain everything and listened to my situation. If I didn't understand, she will explain it again. I'm glad that I went to David Sklar and Associates for my financial difficulties.
Richard Hong
1709358914
Great experience with this company . Especially Jennifer N. communication was amazing and really helped out my situation. Highly recommended her and David S .
Jay Mil
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Everything went well. I will update in 5 years
Trisha C
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My experience with Cori was phenomenal. Cori took the time to explain the process thoroughly, listened to my concerns and reassured me. Cori has exceptional people skills and cares about the people she is helping. The experience throughout was professional, kind, warming and inviting.
Angie
1709250956
A huge thank you to Jackie S and to the David Sklar and Associates team. Steps made easy , Jackie S has been there during the entire process , whether it was through emails or phone calls . I felt acknowledged and respected . I’d recommend David Sklar and Associate at a heart beat !! Cheers , Dennis
Dennis Armstrong
1709249142
Very happy to talk with grace and she explained my options.Grace is very knowledgeable,friendly,and helpful. She made feel very comfortable,with her help I am on the road to be debt free. She relieved so much stress. I highly recommend them.
Kelley Roberts
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David Sklar & associates is the place to be if you’re looking for help on your debt consolidation. Kudos on their staff Miss Grace Cuffaro who were very patient guiding me on complying all required documents.
Nhie GU
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Reduced my stress and gave me a second life. Sincere heartfelt thanks to the team.
Selvaraj Dhanagopal
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I am very pleased with the experience with your company. Great customer service and very professional. They made me feel like dealing with caring and friendly people. Jackie is a sweet lady. All of them very helpful.
Carolina Marroquin
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