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Albertans believe they will retire debt free by age 62.

Savings & Debt Resources

We have a lot of valuable  learning tools available – tools that are developed, refined and honed to be relevant for each user. You’ll learn how to create effective, realistic spending plans, deal with your debts, save more and build a stronger credit rating. And you can do it in the comfort of your own home. Below we have compiled a list of free resources that will help you get out of debt, manage your money, and increase your retirement savings:

Financial Calculators

Our interactive tools can also help you gauge and improve your financial situation. Calculators include:

Free Budgeting Workbook

Go back to basics. This workbook offers suggestions on how to budget, cut your expenses, boost your income, and where to access valuable financial information, services, and programs.

Preparing for Debt Repayment

Using everyday tools to prepare for your upcoming financial journey will only secure a successful financial future. Try our wallet card reminder as well as our Debt Issues Cycle to resolve any concerns.

hand giving money illustration

Consumer Tips

As experts in budgeting and debt management, we often receive questions about other personal money management aspects such as:

•    Making wise financial choices

•    Banking

•    Comparing credit cards

•    Knowing your rights as a consumer

•    Protecting yourself against fraud

•    Comparing leasing vs. buying a car

•    Renting vs. owning your residence

•    How daily spending can affect your retirement

•    How to pick the right credit counselling agency

•    Income tax and benefit information

•    Tips and guides on buying and renovating your home


For these questions, check out the organizations our counsellors and coaches use regularly:


•    Service Alberta

•    Credit Counselling Canada   

•    The Financial Consumer Agency of Canada

•    Industry Canada

•    The Canada Revenue Agency

•    Canada Mortgage and Housing Corporation

Credit Reports

Your credit report is an important financial tool you should check at least once a year to ensure you’re in good standing with current and prospective lenders. Canada has two credit reporting agencies that keep track of your credit usage and history.

Find out how to get a copy of your credit report at:

Student Loans

Do you have questions about funding post-secondary education or looking for more information about your current loans? These websites can help:

Debt & Your Mental Health


Dealing with debt is something that so many Albertans face every single day, and you are not alone. However, the longer you wait to seek help, or find motivation to create change, the more your worries will increase, and your debts will keep stagnant.

So what can you do to better your personal health and financial situation today?

1) Reach out to a not for profit agency who can help you address all of your financial strains (here are 11 Questions to Ask When Choosing a Credit Counselling Agency)

2) Start to track your spending, or create a budget – here is a Spending Plan Form to help you organize your income, expenses, debts and assets

3) Talk to trusted friends and family about your concerns


Visit the Canadian Mental Health Association website, or call the Mental Health Helpline at 1-877-303-2642.

Learn ways to manage stress, or speak with a counsellor.


Want to learn more about our services or book your free Financial Needs Assessment?

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