{"id":19293,"date":"2020-09-30T17:10:39","date_gmt":"2020-09-30T17:10:39","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=19293"},"modified":"2025-02-14T13:49:10","modified_gmt":"2025-02-14T21:49:10","slug":"debt-quiz-assessment-tool","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool","title":{"rendered":"Assess Your Situation"},"content":{"rendered":"

[et_pb_section fb_built=”1″ next_background_color=”#e7dff3″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/putting-a-spending-plan-to-action_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_image_tablet=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/talking-over-the-phone_hero_tablet.jpg” background_enable_image_tablet=”on” background_size_phone=”cover” background_position_tablet=”center_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” title_text_tablet=”talking-over-the-phone_hero_tablet” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Quick Assesment Tool<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Use this tool to quickly see how your financial situation compares to others.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Content Section” _builder_version=”4.16″ background_color=”#e7dff3″ custom_margin=”||0px||false|false” custom_padding=”0px||130px||false|false” bottom_divider_style=”curve2″ bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” min_height=”100px” custom_padding=”2px||0px|||” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

Try Our Quick Assessment Tool<\/h1>\n

See how your financial situation compares to others’ quickly with our assessment tool. Discover ways to improve your current situation or reach out to us if you need help.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” max_width=”700px” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Quick Financial Assessment Tool<\/title><!-- [et_pb_line_break_holder] --> <\/p>\n<style><!-- [et_pb_line_break_holder] --> .hidden { display: none; }<!-- [et_pb_line_break_holder] --> .warning {<!-- [et_pb_line_break_holder] --> color: red;<!-- [et_pb_line_break_holder] --> padding-top: 30px;<!-- [et_pb_line_break_holder] --> \t}<!-- [et_pb_line_break_holder] --> .question-section { margin-bottom: 30px; }<!-- [et_pb_line_break_holder] --> \/*label { display: block; margin-bottom: 5px; }*\/<!-- [et_pb_line_break_holder] --> .question-text {<!-- [et_pb_line_break_holder] --> font-size: 18px;<!-- [et_pb_line_break_holder] --> font-weight: 700;<!-- [et_pb_line_break_holder] --> padding-bottom: 10px!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .question-container {<!-- [et_pb_line_break_holder] --> padding-top: 30px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .check-all {<!-- [et_pb_line_break_holder] --> font-size: 16px;<!-- [et_pb_line_break_holder] --> font-weight: 400;<!-- [et_pb_line_break_holder] --> font-style: italic;<!-- [et_pb_line_break_holder] --> padding-bottom: 10px!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .button-style {<!-- [et_pb_line_break_holder] --> background-color: #2ad13d;<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> min-width: 140px;<!-- [et_pb_line_break_holder] --> padding: 10px 13px;<!-- [et_pb_line_break_holder] --> font-size: 18px;<!-- [et_pb_line_break_holder] --> border-style: solid;<!-- [et_pb_line_break_holder] --> border-color: #2ad13d;<!-- [et_pb_line_break_holder] --> border-radius: 10px;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .button-style:hover {<!-- [et_pb_line_break_holder] --> background-color: #ffffff;<!-- [et_pb_line_break_holder] --> color: #2ad13d;<!-- [et_pb_line_break_holder] --> border-style: solid;<!-- [et_pb_line_break_holder] --> border-color: #2ad13d;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> label {<!-- [et_pb_line_break_holder] --> display: block; <!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type=\"checkbox\"] { <!-- [et_pb_line_break_holder] --> margin-top: 5px;<!-- [et_pb_line_break_holder] --> margin-right: 15px; \/* Adds space between the checkbox button and the text *\/<!-- [et_pb_line_break_holder] --> width: 25px; \/* Increases the size of checkboxes. Delete this to return to 10px default size. *\/<!-- [et_pb_line_break_holder] --> height: 25px; \/* Increases the size of checkboxes. Delete this to return to 10px default size. *\/<!-- [et_pb_line_break_holder] --> -webkit-appearance: none;<!-- [et_pb_line_break_holder] --> -moz-appearance: none;<!-- [et_pb_line_break_holder] --> -o-appearance: none;<!-- [et_pb_line_break_holder] --> appearance: none;<!-- [et_pb_line_break_holder] --> outline: 2px solid #dedddd;<!-- [et_pb_line_break_holder] --> border-radius: 4px;<!-- [et_pb_line_break_holder] --> box-shadow: none;<!-- [et_pb_line_break_holder] --> font-size: 1.4em;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> line-height: 1.2em;<!-- [et_pb_line_break_holder] --> background: #fff;<!-- [et_pb_line_break_holder] --> z-index: 10;<!-- [et_pb_line_break_holder] --> animation: fadeIn ease 5s;<!-- [et_pb_line_break_holder] --> -webkit-animation: fadeIn ease 5s;<!-- [et_pb_line_break_holder] --> -moz-animation: fadeIn ease 5s;<!-- [et_pb_line_break_holder] --> -o-animation: fadeIn ease 5s;<!-- [et_pb_line_break_holder] --> -ms-animation: fadeIn ease 5s;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type='checkbox']:checked:after {<!-- [et_pb_line_break_holder] --> content: '\u2714';<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> font-weight: 800;<!-- [et_pb_line_break_holder] --> background-color: #2ad13d;<!-- [et_pb_line_break_holder] --> border: solid #2ad13d;<!-- [et_pb_line_break_holder] --> border-radius: 4px;<!-- [et_pb_line_break_holder] --> border-width: 0 4px 0 4px;<!-- [et_pb_line_break_holder] --> -webkit-transform: rotate(45deg);<!-- [et_pb_line_break_holder] --> -ms-transform: rotate(45deg);<!-- [et_pb_line_break_holder] --> transform: rotate(45deg);<!-- [et_pb_line_break_holder] --> \/* outline: 2px solid #2ad13d;*\/<!-- [et_pb_line_break_holder] --> z-index: 100;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type='checkbox']:hover {<!-- [et_pb_line_break_holder] --> color: #e3d2ff;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .checkbox-container input[type=\"checkbox\"],<!-- [et_pb_line_break_holder] --> .checkbox-container label {<!-- [et_pb_line_break_holder] --> vertical-align: middle;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #nextButton {<!-- [et_pb_line_break_holder] --> opacity: 0;<!-- [et_pb_line_break_holder] --> transition: opacity 1s ease-in-out;<!-- [et_pb_line_break_holder] --> animation: fadeIn 2s ease-in-out forwards;<!-- [et_pb_line_break_holder] --> animation-delay: 5s; \/* Delay before fade-in *\/<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> @keyframes fadeIn {<!-- [et_pb_line_break_holder] --> from { opacity: 0; }<!-- [et_pb_line_break_holder] --> to { opacity: 1; }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/* Hide the default radio buttons *\/<!-- [et_pb_line_break_holder] --> input[type=\"radio\"] {<!-- [et_pb_line_break_holder] --> appearance: none;<!-- [et_pb_line_break_holder] --> -webkit-appearance: none;<!-- [et_pb_line_break_holder] --> -moz-appearance: none;<!-- [et_pb_line_break_holder] --> width: 28px;<!-- [et_pb_line_break_holder] --> height: 28px;<!-- [et_pb_line_break_holder] --> border: 2px solid #dedddd;<!-- [et_pb_line_break_holder] --> border-radius: 4px;<!-- [et_pb_line_break_holder] --> outline: none;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> margin-right: 8px;<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> background-color: #fff;<!-- [et_pb_line_break_holder] --> transition: background-color 0.3s, border-color 0.3s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Add green background and white checkmark when selected *\/<!-- [et_pb_line_break_holder] --> input[type=\"radio\"]::before {<!-- [et_pb_line_break_holder] --> content: '\u2714';<!-- [et_pb_line_break_holder] --> font-size: 20px;<!-- [et_pb_line_break_holder] --> font-weight: 800;<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> position: absolute;<!-- [et_pb_line_break_holder] --> top: 50%;<!-- [et_pb_line_break_holder] --> left: 50%;<!-- [et_pb_line_break_holder] --> transform: translate(-50%, -50%) scale(0);<!-- [et_pb_line_break_holder] --> transition: transform 0.2s ease-in-out;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Style for selected radio buttons *\/<!-- [et_pb_line_break_holder] --> input[type=\"radio\"]:checked {<!-- [et_pb_line_break_holder] --> background-color: #2ad13d;<!-- [et_pb_line_break_holder] --> border-color: #dedddd;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> input[type=\"radio\"]:checked::before {<!-- [et_pb_line_break_holder] --> transform: translate(-50%, -50%) scale(1);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Add hover effect *\/<!-- [et_pb_line_break_holder] --> input[type=\"radio\"]:hover {<!-- [et_pb_line_break_holder] --> color: #e3d2ff;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><\/p>\n<div><!-- [et_pb_line_break_holder] --> <!-- Page 1 (Questions 1 to 4 with all bullet points) --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"page1\"><!-- [et_pb_line_break_holder] --> <pee>If you’d like this tool to assess your situation, simply respond to the questions below by placing check marks in the boxes.<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-section\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">How do you feel about your financial situation right now?<\/pee><!-- [et_pb_line_break_holder] --> \t<pee class=\"check-all\">Check all that apply:<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"0\">I’m not feeling stressed about money.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"2\">I am feeling a little stressed about money.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"7\">I am moderately stressed about money.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"checkbox\" value=\"10\">I’m really stressed about money.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"checkbox\" value=\"10\">I experience feelings of hopelessness that I’ll never get out of debt.<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-container\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">Are any of these happening with your finances?<\/pee><!-- [et_pb_line_break_holder] --> \t<pee class=\"check-all\">Check all that apply:<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"0\">I have a budget or spending plan in place.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"5\">I seem to be getting further and further behind.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"5\">I’m unable to save money for my retirement or my children’s education.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"8\">I’ve recently been declined for a loan or credit request.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"10\">I’m often getting charged NSF fees on my chequing account.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"10\">I’ve stopped looking at my bills.<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-container\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">Are you experiencing any of these in your life right now?<\/pee><!-- [et_pb_line_break_holder] --> \t<pee class=\"check-all\">Check all that apply:<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"3\">I find I’m worrying over my finances.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"8\">I’m losing sleep over finances.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"5\">I find I’m fighting with my spouse\/partner about finances.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"checkbox\" value=\"5\">Financial problems are affecting me at work.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"checkbox\" value=\"25\">I’m receiving collection calls.<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-container\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">How are you dealing with emergencies when they arise?<\/pee><!-- [et_pb_line_break_holder] --> \t<pee class=\"check-all\">Check all that apply:<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"0\">I have savings to deal with emergencies.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"2\">I have credit available to deal with emergencies.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"8\">I have recently or am currently dealing with financial emergencies by using credit.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"checkbox\" value=\"6\">I don’t have any savings or credit to deal with emergencies.<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <button class=\"button-style\" onclick=\"validatePage(1)\">Next<\/button><!-- [et_pb_line_break_holder] --> <pee id=\"page1Warning\" class=\"warning hidden\">First respond to the questions by clicking on the boxes.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"page2\" class=\"hidden\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-section\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">How are you doing with your bill payments?<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"radio\" name=\"billPayments\" value=\"0\">I’m paying my bills on time each month.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"radio\" name=\"billPayments\" value=\"2\">I’m usually able to pay my bills on time each month.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"radio\" name=\"billPayments\" value=\"10\">I’m paying my bills but it’s a struggle.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"radio\" name=\"billPayments\" value=\"15\">I’m a bit behind on my bill payments.<\/label><!-- [et_pb_line_break_holder] --> \t<label><input type=\"radio\" name=\"billPayments\" value=\"25\">I’m definitely behind on my bill payments.<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-container\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">Are you making ends meet by using any of these?<\/pee><!-- [et_pb_line_break_holder] --> \t<pee class=\"check-all\">Check all that apply:<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"8\">Regularly using credit card(s), line of credit, or overdraft to help cover living expenses.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"25\">Using credit card cash advances to make payments.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"10\">Using payday loans.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"8\">Considering using payday loans.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"7\">Borrowing money from family or friends.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"0\">No, I’m not doing any of these.<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"question-container\"><!-- [et_pb_line_break_holder] --> <pee class=\"question-text\">How are you currently using these credit products?<\/pee><!-- [et_pb_line_break_holder] --> \t<pee class=\"check-all\">Check all that apply:<\/pee><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"0\">I usually don’t carry a balance on my credit card(s), line of credit, or overdraft.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"1\">Any balance on my credit card(s), line of credit, or overdraft will be paid off soon.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"6\">I’m only making minimum payments on my credit cards, line of credit, or overdraft.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"20\">My credit cards, line of credit, or overdraft are maxed out or close to it.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"10\">I’m behind on at least one of my credit card, line of credit, or overdraft payments.<\/label><!-- [et_pb_line_break_holder] --> <label><input type=\"checkbox\" value=\"40\">I’m behind on a lot of payments.<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <button class=\"button-style\" onclick=\"validatePage(2)\">Assess my situation<\/button><!-- [et_pb_line_break_holder] --> <pee id=\"page2Warning\" class=\"warning hidden\">Please respond to the questions, then your situation can be assessed.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> let totalScore = 0;<!-- [et_pb_line_break_holder] --> function validatePage(page) {<!-- [et_pb_line_break_holder] --> let inputs = document.querySelectorAll(`#page${page} input:checked`);<!-- [et_pb_line_break_holder] --> let warning = document.getElementById(`page${page}Warning`);<!-- [et_pb_line_break_holder] --> if (inputs.length === 0) {<!-- [et_pb_line_break_holder] --> warning.classList.remove('hidden');<!-- [et_pb_line_break_holder] --> return;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> warning.classList.add('hidden');<!-- [et_pb_line_break_holder] --> inputs.forEach(input => totalScore += parseInt(input.value));<!-- [et_pb_line_break_holder] --> if (page === 1) {<!-- [et_pb_line_break_holder] --> document.getElementById('page1').classList.add('hidden');<!-- [et_pb_line_break_holder] --> document.getElementById('page2').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> showResults();<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \tconsole.log(\"Score: \" + totalScore);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> function showResults() {<!-- [et_pb_line_break_holder] --> \/\/ Calculate totalScore from all checked checkboxes<!-- [et_pb_line_break_holder] --> let checkedInputs = document.querySelectorAll('input[type=\"checkbox\"]:checked');<!-- [et_pb_line_break_holder] --> let totalScore = Array.from(checkedInputs).reduce((sum, input) => sum + parseInt(input.value || 0), 0);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Conditional Scoring for Unchecked Boxes:<!-- [et_pb_line_break_holder] --> \/\/ 1. \"I have a budget or spending plan in place\" = +3 if NOT checked<!-- [et_pb_line_break_holder] --> let budgetCheckbox = findCheckboxByLabel(\"I have a budget or spending plan in place\");<!-- [et_pb_line_break_holder] --> if (budgetCheckbox && !budgetCheckbox.checked) {<!-- [et_pb_line_break_holder] --> totalScore += 3;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ 2. \"I have savings to deal with emergencies\" = +2 if NOT checked<!-- [et_pb_line_break_holder] --> let savingsCheckbox = findCheckboxByLabel(\"I have savings to deal with emergencies\");<!-- [et_pb_line_break_holder] --> if (savingsCheckbox && !savingsCheckbox.checked) {<!-- [et_pb_line_break_holder] --> totalScore += 2;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> document.getElementById('page2').classList.add('hidden');<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> hideAllModules();<!-- [et_pb_line_break_holder] --> if (totalScore <= 3) document.getElementById('manageable_very').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> else if (totalScore <= 17) document.getElementById('manageable_1').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> else if (totalScore <= 37) document.getElementById('concerning_1').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> else if (totalScore <= 84) document.getElementById('concerning_near_help').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> else if (totalScore <= 165) document.getElementById('need_help').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> else document.getElementById('really_need_help').classList.remove('hidden');<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \tconsole.log(\"Score 2: \" + totalScore);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Helper function to find a checkbox by label text<!-- [et_pb_line_break_holder] --> function findCheckboxByLabel(labelText) {<!-- [et_pb_line_break_holder] --> const labels = document.querySelectorAll('label');<!-- [et_pb_line_break_holder] --> for (let label of labels) {<!-- [et_pb_line_break_holder] --> if (label.textContent.trim() === labelText) {<!-- [et_pb_line_break_holder] --> return label.querySelector('input[type=\"checkbox\"]');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> return null;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> function hideAllModules() {<!-- [et_pb_line_break_holder] --> ['manageable_very', 'manageable_1', 'concerning_1', 'concerning_near_help', 'need_help', 'really_need_help']<!-- [et_pb_line_break_holder] --> .forEach(id => {<!-- [et_pb_line_break_holder] --> let module = document.getElementById(id);<!-- [et_pb_line_break_holder] --> if (module) module.classList.add('hidden');<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> document.addEventListener('DOMContentLoaded', hideAllModules);<!-- [et_pb_line_break_holder] --> <\/script><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/html><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”manageable_very” _builder_version=”4.27.4″ _module_preset=”default” width=”700px” module_alignment=”center” da_disable_devices=”off|off|off” global_colors_info=”{}” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”36px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n<h2>The Stage You Are At<\/h2>\n<p>[\/et_pb_text][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/02\/meter_manageable_very.jpg” alt=”Meter Manageable Very” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E4F8E0″ width=”90%” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” global_colors_info=”{}”]<\/p>\n<h2>You’re looking good!<\/h2>\n<p>Way to go! Everything seems to be going fairly well with your finances right now. If you’d like some tips to further improve things, we have some great resources below.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2>How to further improve your situation<\/h2>\n<p>Dig in to the helpful information below. Here we provide some fantastic resources that can help you optimize your financial picture.<\/p>\n<h3>Create a spending plan<\/h3>\n<p>The first thing everyone needs to do is create a plan for their spending so that they’re not spending more money than they earn. If you don’t follow a spending plan of any kind, we’d strongly encourage you to consider creating one. A fun and interesting way to do this is with <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips#budget-calculator\">our Budget Calculator<\/a>. It’s a fun and super easy way to create a smart budget. It guides you through the process of making a budget and suggests what to do at each step along the way. This tool is perfect for everyone who isn’t good with numbers since it does all the math for you and visually shows you what your budget looks like.<\/p>\n<p>If you want something on paper, we also offer a <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\"> free 7 Steps workbook that will show you how to create a budget that works.<\/a><\/p>\n<h3>Make sure you have emergency savings<\/h3>\n<p>Make sure you’re not relying on credit cards to save you in a touch situation. This can turn a short term problem into something that takes years to recover from. Make sure you have some of your own emergency savings to fall back on.<\/p>\n<p><a href=\"https:\/\/mymoneycoach.ca\/blog\/saving-emergency-fund\">Here’s how to create some emergency savings.<\/a><\/p>\n<p><a href=\"https:\/\/mymoneycoach.ca\/saving-money\/saving-tips\/how-to-save-money\/where-to-find-cash\">Here’s where to find the money to create your emergency savings.<\/a><\/p>\n<h3>How to get out of debt<\/h3>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">Learn 12 of the fastest and most effective ways to pay down debt and get out of debt.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”manageable_1″ _builder_version=”4.27.4″ _module_preset=”default” width=”700px” module_alignment=”center” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”36px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n<h2>The Stage You Are At<\/h2>\n<p>[\/et_pb_text][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/02\/meter_manageable.jpg” alt=”Meter Manageable” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E4F8E0″ width=”90%” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” global_colors_info=”{}”]<\/p>\n<h2>How to improve your finances<\/h2>\n<p>Based on what’s going on with your finances right now, you need to make some improvements before you end up in a tough spot. You can either start working on this yourself or you can speak with a non-profit Credit Counsellor to assess your situation and help you create an action plan. If you’d like to tackle things on your own, we have some great resources that should be able to help you get things back on track.<\/p>\n<p>If you’d like some coaching from one of our Credit Counsellors, feel free to call us and make an appointment at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a> or <a href=\"https:\/\/nomoredebts.org\/#hs-chat-open\">chat with us online<\/a>.<\/p>\n<p>Our help is always free, non-judgmental, and completely confidential.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2>How to turn your situation around on your own<\/h2>\n<p>Dig in to the helpful information below. Here we provide some fantastic resources that can do a whole lot to help you turn your situation around.<\/p>\n<h3>Create a spending plan<\/h3>\n<p>The first thing everyone needs to do is create a plan for their spending so that they’re not spending more money than they earn. A spending plan is also called a budget, but a budget doesn’t have to be hard or boring. <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips#budget-calculator\">Try out our Budget Calculator.<\/a> It’s a fun and super easy way to create a smart budget. It guides you through the process of making a budget and suggests what to do at each step along the way. This tool is perfect for everyone who isn’t good with numbers since it does all the math for you and visually shows you what your budget looks like.<\/p>\n<p>If you want something on paper, we also offer a <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\"> free 7 Steps workbook that will show you how to create a budget that works.<\/a><\/p>\n<h3>How to address the underlying issue causing financial problems<\/h3>\n<p><a href=\"http:\/\/mymoneycoach.ca\/blog\/how-to-overcome-financial-problems-difficulties\">See if your challenges are stemming from one of the eight most common causes of financial problems and learn how to overcome these difficulties.<\/a><\/p>\n<h3>Grab some tips on how to get out of debt<\/h3>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">Learn 12 of the fastest and most effective ways to pay down debt and get out of debt.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”concerning_1″ _builder_version=”4.27.4″ _module_preset=”default” width=”700px” module_alignment=”center” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”36px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n<h2>The Stage You Are At<\/h2>\n<p>[\/et_pb_text][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/02\/meter_concerning.jpg” alt=”Meter Concerning” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E4F8E0″ width=”90%” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” global_colors_info=”{}”]<\/p>\n<h2>How to improve your finances<\/h2>\n<p>Based on what’s going on with your finances right now, you need to make some improvements before you end up in a tough spot. You can either start working on this yourself or you can speak with a non-profit Credit Counsellor to assess your situation and help you create an action plan. If you’d like to tackle things on your own, we have some great resources that should be able to help you get things back on track.<\/p>\n<p>If you’d like some coaching from one of our Credit Counsellors, feel free to call us and make an appointment at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a> or <a href=\"https:\/\/nomoredebts.org\/#hs-chat-open\">chat with us online<\/a>.<\/p>\n<p>Our help is always free, non-judgmental, and completely confidential.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2>How to turn your situation around on your own<\/h2>\n<p>Dig in to the helpful information below. Here we provide some fantastic resources that can do a whole lot to help you turn your situation around.<\/p>\n<h3>Create a spending plan<\/h3>\n<p>The first thing everyone needs to do is create a plan for their spending so that they’re not spending more money than they earn. A spending plan is also called a budget, but a budget doesn’t have to be hard or boring. <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips#budget-calculator\">Try out our Budget Calculator.<\/a> It’s a fun and super easy way to create a smart budget. It guides you through the process of making a budget and suggests what to do at each step along the way. This tool is perfect for everyone who isn’t good with numbers since it does all the math for you and visually shows you what your budget looks like.<\/p>\n<p>If you want something on paper, we also offer a <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\"> free 7 Steps workbook that will show you how to create a budget that works.<\/a><\/p>\n<h3>How to address the underlying issue causing financial problems<\/h3>\n<p><a href=\"http:\/\/mymoneycoach.ca\/blog\/how-to-overcome-financial-problems-difficulties\">See if your challenges are stemming from one of the eight most common causes of financial problems and learn how to overcome these difficulties.<\/a><\/p>\n<h3>Grab some tips on how to get out of debt<\/h3>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">Learn 12 of the fastest and most effective ways to pay down debt and get out of debt.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”concerning_near_help” _builder_version=”4.27.4″ _module_preset=”default” width=”700px” module_alignment=”center” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row module_id=”concerning_near_help” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”36px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n<h2>The Stage You Are At<\/h2>\n<p>[\/et_pb_text][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/02\/meter_concerning_almost_need_help.jpg” alt=”Meter Concerning Almost Need Help” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E4F8E0″ width=”90%” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” global_colors_info=”{}”]<\/p>\n<h2>How to improve your finances<\/h2>\n<p>Based on what’s going on with your finances right now, you need to make some improvements before you end up in a tough spot. You can either start working on this yourself or you can speak with a non-profit Credit Counsellor to assess your situation and help you create an action plan. If you’d like to tackle things on your own, we have some great resources that should be able to help you get things back on track.<\/p>\n<p>If you’d like some coaching from one of our Credit Counsellors, feel free to call us and make an appointment at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a> or <a href=\"https:\/\/nomoredebts.org\/#hs-chat-open\">chat with us online<\/a>.<\/p>\n<p>Our help is always free, non-judgmental, and completely confidential.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2>How to turn your situation around on your own<\/h2>\n<p>Dig in to the helpful information below. Here we provide some fantastic resources that can do a whole lot to help you turn your situation around.<\/p>\n<h3>Create a spending plan<\/h3>\n<p>The first thing everyone needs to do is create a plan for their spending so that they’re not spending more money than they earn. A spending plan is also called a budget, but a budget doesn’t have to be hard or boring. <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips#budget-calculator\">Try out our Budget Calculator.<\/a> It’s a fun and super easy way to create a smart budget. It guides you through the process of making a budget and suggests what to do at each step along the way. This tool is perfect for everyone who isn’t good with numbers since it does all the math for you and visually shows you what your budget looks like.<\/p>\n<p>If you want something on paper, we also offer a <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\"> free 7 Steps workbook that will show you how to create a budget that works.<\/a><\/p>\n<h3>How to address the underlying issue causing financial problems<\/h3>\n<p><a href=\"http:\/\/mymoneycoach.ca\/blog\/how-to-overcome-financial-problems-difficulties\">See if your challenges are stemming from one of the eight most common causes of financial problems and learn how to overcome these difficulties.<\/a><\/p>\n<h3>Grab some tips on how to get out of debt<\/h3>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">Learn 12 of the fastest and most effective ways to pay down debt and get out of debt.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”need_help” _builder_version=”4.27.4″ _module_preset=”default” width=”700px” module_alignment=”center” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”36px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n<h2>The Stage You Are At<\/h2>\n<p>[\/et_pb_text][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/02\/meter_need_help.jpg” alt=”Meter Need Help” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E4F8E0″ width=”90%” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” global_colors_info=”{}”]<\/p>\n<h2>How to get things back on track<\/h2>\n<p>Based on what’s going on with your finances right now, one of the best thing you can do is make an appointment to speak with a non-profit Credit Counsellor. They’ll help you put together a budget, explore all your options, and help you figure out the best way to get your finances back on track.<\/p>\n<p>Call us right now at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a> or <a href=\"https:\/\/nomoredebts.org\/#hs-chat-open\">chat with us online<\/a>.<\/p>\n<p>Our help is always free, non-judgmental, and completely confidential.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2>Other Options<\/h2>\n<p>If you’re not ready to speak with anyone yet and would like to try working on your situation on your own first, here are some great resources to help you out.<\/p>\n<h3>Create a spending plan<\/h3>\n<p>The first thing everyone needs to do is create a plan for their spending so that they’re not spending more money than they earn. A spending plan is also called a budget.<\/p>\n<p><a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips#budget-calculator\">Our Budget Calculator is a super easy way to create a smart budget. It guides you through the process of making a budget and suggests what to do at each step along the way.<\/a><\/p>\n<p><a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">We also offer a free 7 Steps workbook that will show you how to create a budget that works.<\/a><\/p>\n<h3>How to address the underlying issue causing financial problems<\/h3>\n<p><a href=\"http:\/\/mymoneycoach.ca\/blog\/how-to-overcome-financial-problems-difficulties\">See if your challenges are stemming from one of the eight most common causes of financial problems and learn how to overcome these difficulties.<\/a><\/p>\n<h3>Grab some tips on how to get out of debt<\/h3>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">Learn 12 of the fastest and most effective ways to pay down debt and get out of debt.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”really_need_help” _builder_version=”4.27.4″ _module_preset=”default” width=”700px” module_alignment=”center” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”36px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n<h2>The Stage You Are At<\/h2>\n<p>[\/et_pb_text][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/02\/meter_need_help_really.jpg” alt=”Meter Need Help Really” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E4F8E0″ width=”90%” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|600|||||||” global_colors_info=”{}”]<\/p>\n<h2>How to give yourself some breathing room and get back on track<\/h2>\n<p>Based on what’s going on with your finances right now, it’s critical that you make an appointment to speak with a non-profit Credit Counsellor right away. They’ll help you put together a budget, explore all your options, and help you figure out what you can do right now to make ends meet. They’ll also help you create an action plan to get your finances back on track. This could include a debt relief program which could consolidate your debts into one affordable monthly payment.<\/p>\n<p>Call us right now at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a> or <a href=\"https:\/\/nomoredebts.org\/#hs-chat-open\">chat with us online<\/a>.<\/p>\n<p>Our help is always free, non-judgmental, and completely confidential.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2>Other Options<\/h2>\n<p>If you’re not ready to speak with anyone yet and would like to try working on your situation on your own first, here are some great resources to help you out.<\/p>\n<h3>Create a spending plan<\/h3>\n<p>The first thing everyone needs to do is create a plan for their spending so that they’re not spending more money than they earn. A spending plan is also called a budget.<\/p>\n<p><a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips#budget-calculator\">Our Budget Calculator is a super easy way to create a smart budget. It guides you through the process of making a budget and suggests what to do at each step along the way.<\/a><\/p>\n<p><a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">We also offer a free 7 Steps workbook that will show you how to create a budget that works.<\/a><\/p>\n<h3>How to address the underlying issue causing financial problems<\/h3>\n<p><a href=\"http:\/\/mymoneycoach.ca\/blog\/how-to-overcome-financial-problems-difficulties\">See if your challenges are stemming from one of the eight most common causes of financial problems and learn how to overcome these difficulties.<\/a><\/p>\n<h3>Grab some tips on how to get out of debt<\/h3>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">Learn 12 of the fastest and most effective ways to pay down debt and get out of debt.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#000000″ 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solid;\" width=\"640px\"><\/iframe><\/pee>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.4″ _module_preset=”default” bottom_divider_style=”ramp2″ bottom_divider_height_last_edited=”on|phone” hover_enabled=”0″ sticky_enabled=”0″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” next_background_color=”#5b25af” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on” da_disable_devices=”off|off|off”][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”rgba(91,37,175,0.15)” admin_label=”CTA 1 – You’re not alone” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_padding=”70px||70px||false|false” custom_padding_tablet=”5px||30px||false|false” custom_padding_phone=”” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||0px||false|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”100px||||false|false” animation_direction=”top” locked=”off” 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global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n<h2 style=\"text-align: center;\">Accreditations<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ module_class=”mobile-stacking” _builder_version=”4.17.4″ _module_preset=”default” background_enable_image=”off” max_width=”1500px” max_width_tablet=”90%” max_width_last_edited=”off|desktop” module_alignment=”center” custom_margin_phone=”|-5.5px|||false|false” custom_margin_last_edited=”off|desktop” animation_style=”zoom” animation_intensity_zoom=”20%” global_module=”44251″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/best-workplaces-canada-certified-2022-text-bx-1.png” background_size=”initial” link_option_url=”\/about-us\/accredited-credit-counselling#best-workplaces” background_last_edited=”off|desktop” background_image_phone=”\/wp-content\/uploads\/2020\/02\/description-ccc-1.png” background_enable_image_tablet=”off” background_enable_image_phone=”on” custom_css_main_element=”width: 19%!important;||height: 100%;||display: grid;||margin-left: 39px;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”height: 100%;” custom_css_main_element_phone=”width: 100%!important;||padding-top:20px;||padding-bottom: 50px;”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2024\/10\/best-workplaces-canada-certified-2024-bx.jpg” alt=”Certified by Great Places to Work Canada” title_text=”Great Place to Work Certified” url=”\/about-us\/accredited-credit-counselling#best-workplaces” align=”center” src_last_edited=”off|desktop” align_tablet=”left” align_phone=”center” align_last_edited=”on|phone” admin_label=”Image” 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background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n<h2>Related Articles<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/about-us\/credit-counselling-society\/ccs-board-of-directors” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg” alt=”getting rid of debt” title_text=”getting-rid-of-debt” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n<h3>Getting Rid of Debt<\/h3>\n<p>We’re happy to help you figure out your options. There are more than you might think.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/about-us\/credit-counselling-society\/testimonials” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/learning-how-to-manage-money-in-workshop_related_topics.jpg” alt=”Learning Money Management in Workshop” title_text=”financial-education” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n<h3>Financial Education<\/h3>\n<p>We have financial education options for everyone. 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