MNP 3 Minute Debt Break
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Listen for the MNP 3 MINUTE DEBT BREAK! It’s a three minute podcast with tips, advice and techniques to help your financial bottom line!
https://mnpdebt.ca/en/resources/mnp-3-minute-debt-break-podcast
Available episodes
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Sep 15, 2023
Insolvency vs Bankruptcy (MNP 3 Minute Debt Break)
While navigating the sometimes turbulent waters of personal finance, two terms might cross your path: 'insolvency' and 'bankruptcy.' The differences between them is important because they play different roles in the financial recovery process.
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Sep 1, 2023
Why Local is Important (MNP 3 Minute Debt Break)
Before the unforeseen happened in March 2020, a term like 'virtual insolvency proceeding' was nonexistent. To navigate the process of Bankruptcy or Consumer Proposal, a face-to-face interaction with a Licensed Insolvency Trustee (LIT) was mandatory. But, as with many things, the pandemic compelled the Office of the Superintendent of Bankruptcy (OSB) to pivot.
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Sep 1, 2023
Pourquoi le Local est Important (Parlons Dettes EN 3 Minutes)
Avant que l’imprévu ne se produise en mars 2020, un terme comme « procédure d’insolvabilité virtuelle » était inexistant. Pour naviguer dans le processus de faillite ou de proposition de consommateur, une interaction en personne avec un syndic autorisé en insolvabilité (SAI) était obligatoire. Mais, comme pour beaucoup de choses, la pandémie a obligé le Bureau du surintendant des faillites (BSF) à changer son approche.
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Aug 15, 2023
July Debt Index (MNP 3 Minute Debt Break)
As interest rates move upwards and the cost of living remains a challenge for households, the proportion of Canadians who report being insolvent has reached an all-time high, according to the latest MNP Consumer Debt Index.
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Aug 1, 2023
Mariage et dette (Parlons Dettes EN 3 Minutes)
C’est la pause de la dette MNP 3 minutes! Un podcast avec des conseils, des idées et des conseils sur la prise de contrôle de votre monde financier. Apporté à vous par MNP Dette
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Aug 1, 2023
For Richer or Poorer (MNP 3 Minute Debt Break)
For richer… or for poorer? That is the question. Or put another way... when you get married, does your partner’s debt become your debt?
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Jul 15, 2023
Consumer Proposals 3 Common Misconceptions (MNP 3 Minute Debt Break)
There are a few different ways you can manage your debt in a smart way. One is a frequently misunderstood topic, Consumer Proposals. We’re going to look at three common misconceptions that could be hindering your journey towards financial freedom.
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Jul 1, 2023
Signs You Are Financially Healthy (MNP 3 Minute Debt Break)
We visit and talk to doctors and other professionals about our health regularly. Or we should. Just like we should talk with professionals about our financial health. How can you tell if you're financially healthy? There are some signs that can help you assess your financial wellbeing.
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Jul 1, 2023
Êtes-vous en bonne santé financière (Parlons Dettes EN 3 Minutes)
Nous visitons et parlons régulièrement avec des médecins et d'autres professionnels de la santé pour prendre soin de notre santé. Tout comme nous devrions parler avec des professionnels pour prendre soin de notre santé financière. Comment savoir si vous êtes financièrement en bonne santé? Il existe des signes qui peuvent vous aider à évaluer votre bien-être financier.
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Jun 15, 2023
What You Need to Know About Credit Card Debt (MNP 3 Minute Debt Break)
When it comes to personal debt, there are many areas that can affect how well we can stay in control of it and get ahead. One of the most important to know more about is credit card debt. We'll cover the basics, how it affects your credit score, and strategies to pay it off.
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Jun 1, 2023
Tips for Your MNP Debt Scale (MNP 3 Minute Debt Break)
When it comes to determining the threshold of excessive debt, it can be a challenging question to answer. Income, expenses, interest rates, and repayment terms all play a role. However, the MNP Debt Scale can assist. This online assessment tool, found at MNPDebt.ca, is designed to give you a clear rating of your debt situation, regardless of your income or the amount you owe.
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Jun 1, 2023
Conseils pour le bilan de l’échelle de la dette (Parlons Dettes EN 3 Minutes)
Lorsqu’il s’agit de déterminer le seuil de surendettement, il peut être difficile de répondre à cette question. Les revenus, les dépenses, les taux d’intérêt et les conditions de remboursement jouent tous un rôle. Cependant, l’échelle d’endettement MNP peut vous aider. Cet outil d’évaluation en ligne, disponible sur mnpdettes.ca, est conçu pour vous donner une évaluation claire de votre situation d’endettement, quels que soient vos revenus ou le montant que vous devez.
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May 15, 2023
MNP Debt Index Apr23 (MNP 3 Minute Debt Break)
Personal finances continue to be a major source of stress for Canadians, and half anticipate that the situation will continue to deteriorate. This is according to the latest MNP Consumer Debt Index conducted quarterly by Ipsos. When asked about the impact of Canada’s current economic conditions on their personal finances, half say they believe the worst is yet to come, while a third feel we are currently experiencing the worst part of the economic cycle. Fewer are optimistic about the future, with only 15 percent stating that the worst is behind us.
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May 1, 2023
The True Cost of Debt (MNP 3 Minute Debt Break)
Debt is something that affects millions of people, and it's a hot topic for a reason. The financial impact of carrying debt can be enormous, but it's not the only thing to worry about. In fact, prolonged debt can have real and measurable effects on your retirement plans, relationships, and even your mental and physical health.
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May 1, 2023
le coût de la dette (Parlons Dettes EN 3 Minutes)
La dette est quelque chose qui affecte des millions de personnes, et c’est un sujet brûlant pour une bonne raison. L’impact financier de la dette peut être énorme, mais ce n’est pas la seule chose à craindre. En fait, une dette prolongée peut avoir des effets réels et mesurables sur vos plans de retraite, vos relations et même votre santé mentale et physique.
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Apr 15, 2023
How Are Interest Rate Increases Affecting Mortgages (MNP 3 Minute Debt Break)
In recent years, Canadians have grown accustomed to low interest rates. The Bank of Canada used low interest rates to encourage spending and spur economic activity during the pandemic. However, 2022 marked a sharp and painful turn for many.
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Apr 1, 2023
Vivre Selon ses Moyens (Parlons Dettes EN 3 Minutes)
Vivre au-dessus de nos moyens peut conduire à un désastre financier. L'accessibilité croissante des cartes de crédit et des services bancaires en ligne facilite plus que jamais les dépenses excessives. La hausse des coûts des biens et les pressions des médias sociaux pour préserver les apparences peuvent aggraver la situation. Pour éviter cela, vous devez dépenser moins que vous ne gagnez, c'est-à-dire « vivre selon vos moyens ».
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Apr 1, 2023
Living Within Your Means (MNP 3 Minute Debt Break)
Living beyond our means can lead to financial disaster. The increasing accessibility of credit cards and online banking makes it easier than ever to overspend. Rising costs of goods and social media pressures to keep up appearances can make it worse. To avoid this, you must spend less than you earn, which is “living within your means”.
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Mar 15, 2023
Building an Emergency Fund (MNP 3 Minute Debt Break)
If you ever asked yourself “How Do I Build An Emergency Fund”, you’re already on your way to better financial health. Recognizing unexpected costs happen is a good first step. The next step is to plan to have the systems and resources in place to successfully navigate a financial situation when one occurs.
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Mar 1, 2023
What Happens If I Don't Pay My Taxes (MNP 3 Minute Debt Break)
All debt can be overwhelming, but there’s no creditor quite as intimidating as the Canada Revenue Agency or CRA. This is why unfiled and / or unpaid taxes are two of the most common reasons self-employed individuals and sub-contractors seek the assistance of a Licensed Insolvency Trustee.
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Mar 1, 2023
Que se passe-t-il si je ne paie pas mes impôts ((Parlons Dettes EN 3 Minutes)
Toutes les dettes peuvent être écrasantes, mais il n’y a pas de créancier aussi intimidant que l’Agence du revenu du Canada ou l’ARC. C’est pourquoi les impôts non déclarés et/ou impayés sont deux des raisons les plus courantes pour lesquelles les travailleurs autonomes et les sous-traitants demandent l’aide d’un syndic autorisé en insolvabilité.
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Feb 15, 2023
Jan Debt Index (MNP 3 Minute Debt Break)
The MNP Consumer Debt Index for January 2023 is in… and the Index has plunged 15 points from last quarter and is now at an all-time low. The unprecedented quarterly decline underscores the anxiety Canadians feel about their debt situation amid rising interest rates, persistent inflation, and heightened affordability concerns.
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Feb 1, 2023
Debt and Divorce (MNP 3 Minute Debt Break)
Debt by itself can be a scary thing. Coupled with divorce, it can seem over whelming. Financial issues are a leading contributor to marital breakdown, and it can often be difficult to be on the same page when it comes to settling loans, credit cards and other debts that have accumulated during the marriage. Making matters worse, there are many misconceptions about who is liable for repaying the debts and who creditors can target in the event of a default.
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Feb 1, 2023
Dettes et divorce (Parlons Dettes EN 3 Minutes)
La dette en elle-même peut être une chose effrayante. Couplé au divorce, cela peut sembler infranchissable. Étant donné que les problèmes financiers sont l’un des principaux contributeurs à la rupture des liens conjugaux, il peut souvent être difficile de mettre les deux parties sur la même longueur d’onde lorsqu’il s’agit de régler les nombreux prêts, cartes de crédit et autres dettes accumulés pendant le mariage. Pour compliquer encore les choses, il existe de nombreuses fausses informations sur qui est responsable du remboursement des dettes et qui les créanciers peuvent viser en cas de défaut.
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Jan 15, 2023
Surviving on a Single Income (MNP 3 Minute Debt Break)
Higher interest rates, instability globally and uncertainty in the new year economically… many households look to 2023 as a year of struggling to make it from one financial obligation to the next. This is especially true for single income families. If you are one of thousands of families performing the financial balancing act of trying to get by on a single income, it can be difficult to make financial goals beyond your next payment. The good news is, with a lot of planning and a little bit of compromise, you can build towards a strong financial future.
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Jan 1, 2023
Resolutions for a Debt Free New Year (MNP 3 Minute Debt Break)
It’s a new year! And with it, maybe some new financial resolutions. But, resolving to reduce your debt and making actual progress to that goal are two different things. Here are some real concrete resolutions you can make to ensure you are on the path to being debt free.
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Jan 1, 2023
Résolutions pour une nouvelle année (Parlons Dettes EN 3 Minutes)
C'est une nouvelle année! Et, avec elle, peut-être de nouvelles résolutions financières. Mais, prendre la résolution de réduire ses dettes et progresser réellement vers cet objectif sont deux choses différentes. Voici quelques résolutions concrètes que vous pouvez prendre pour vous assurer que vous êtes sur la voie du désendettement.
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Dec 15, 2022
Signs Your Are Overspending (MNP 3 Minute Debt Break)
Household overspending is one of the most common causes of financial insolvency. It’s also one of the easiest to overlook. Overspending tends to creep up slowly and camouflage itself as a different kind of financial challenge. But once you know the symptoms, they’re almost impossible to ignore. You can eliminate overspending almost entirely by introducing just three straightforward techniques.
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Dec 1, 2022
Budgétisation des fêtes (Parlons Dettes EN 3 Minutes)
Les fêtes sont l'occasion de manger, boire et être joyeux! Mais la pression exercée pour célébrer la saison peut facilement faire plonger vos finances dans le rouge pendant des mois. L'envie de faire les fêtes en grand pourrait voir vos dépenses s'emballer!
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Dec 1, 2022
Budgeting During the Holidays (MNP 3 Minute Debt Break)
The holidays are a time to eat, drink and be merry! But the pressure to celebrate the season can easily send your finances into the red for months. The desire to do the holidays in a big way could see your spending get carried away!
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Nov 15, 2022
Oct Debt Index (MNP 3 Minute Debt Break)
The impact of this year’s consecutive interest rate hikes and persistent inflation is becoming clear. Canadians are seeing the effect on their wallets. According to the latest MNP Consumer Debt Index, which is conducted quarterly by Ipsos, more Canadians say life’s necessities are becoming less affordable as the cost of living continues to soar.
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Nov 1, 2022
Mois de la littératie financière (Parlons Dettes EN 3 Minutes)
Novembre est le mois de la littératie financière au Canada. C'est le mois où les Canadiens s'efforcent de devenir plus instruits, plus attentifs et plus en contrôle de leurs finances.
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Nov 1, 2022
Financial Literacy Month (MNP 3 Minute Debt Break)
November is Financial Literacy Month in Canada. This is the month where Canadians strive to become more literate, more mindful and more in control of their finances.
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Oct 15, 2022
Breaking the Stigma (MNP 3 Minute Debt Break)
Breaking stigmas means ridding ourselves of our assumptions, generalizations, and broad-brush statements that are harmful to individuals and groups. We have seen strong movements and positive progress in breaking stigmas that have plagued society for so long, especially stigmas surrounding mental health. Given how connected our finances and our mental health are, we should talk more about breaking stigmas surrounding finance.
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Oct 1, 2022
Vérifiez votre pointage d’endettement - (Parlons Dettes EN 3 Minutes)
Quel montant de dette est trop élevé? De toutes les questions que les syndics autorisés en insolvabilité entendent souvent, celle-ci est l'une des plus courantes. C'est aussi l'un des plus difficiles à répondre. Un certain nombre de facteurs peuvent avoir une incidence sur votre expérience de l’endettement, des revenus et des dépenses aux taux d'intérêt et aux modalités de remboursement.
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Oct 1, 2022
Check Your Debt Scale (MNP 3 Minute Debt Break)
How much debt is too much? Of all the questions Licensed Insolvency Trustees often hear, this is one of the most common. It’s also one of the most difficult to answer. Any number of factors can impact your experience with debt, from income and expenses to interest rates and repayment terms.
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Sep 1, 2022
Financial Scams (MNP 3 Minute Debt Break)
Financial scams have been around for decades. But they seem to have never been as common, insidious and invasive as they are today. It’s easy to assume you’ll never fall for a scam. But we’re all vulnerable, and we can all become victims if we don’t know what to be aware of.
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Sep 1, 2022
Fraudes Financieres - Septembre (Parlons Dettes EN 3 Minutes)
Les fraudes financières existent depuis des décennies. Mais elles ne semblent jamais avoir été aussi courantes, insidieuses et envahissantes qu’ils le sont aujourd’hui. Il serait tentant de croire que vous ne tomberez jamais dans une fraude. Mais nous sommes tous vulnérables et nous pouvons tous devenir des victimes si nous ne savons pas à quoi nous attendre.
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Sep 1, 2022
Consumer Proposal vs Bankruptcy (MNP 3 Minute Debt Break)
Today, many Canadian households are struggling to keep up financially. To compensate, many have relied on credit to carry them through financial difficulties. While credit can be a valuable tool, credit reliance can quickly lead to a dangerous cycle of debt and stacking interest.
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Aug 15, 2022
July Debt Index (MNP 3 Minute Debt Break)
Canadians are becoming acutely aware of how interest rates and the cost of necessities impact their household budgets, as both measures continue on an upward trajectory. Increasing a staggering seven points since last quarter, six in 10 Canadians say they’re already feeling the effects of interest rate increases, according to the latest MNP Consumer Debt Index which is conducted quarterly by Ipsos on behalf of MNP Limited.
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Aug 1, 2022
Planning for Post Secondary (MNP 3 Minute Debt Break)
Post-secondary education costs money. Depending on the program, sometimes a lot of it. But there are steps every student can take to prepare for these costs and minimize the future financial impacts of pursuing a higher education.
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Aug 1, 2022
Budgétisation des études post secondaires (Parlons Dettes EN 3 Minutes)
Les études postsecondaires coûtent de l'argent. Selon le programme, parfois beaucoup d’argent. Mais chaque étudiant peut prendre des mesures pour se préparer à ces coûts et minimiser les impacts financiers futurs de la poursuite d'études supérieures.
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Jul 15, 2022
Why Having a Family Budget is Important (MNP 3 Minute Debt Break)
Every family is different. But usually the one constant in every family is “they’re busy”! Between work, school, extra-curricular activities, making sure everyone is fed and clothed and still trying find the time to sleep… the family budget can get neglected. Without a plan to get or stay out of debt, many households may inadvertently be setting themselves up for failure. The good news is that budgeting doesn't have to be complicated.
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Jul 1, 2022
Signs You Are Finacially Healthy (MNP 3 Minute Debt Break)
The average person spends most of their life chasing financial stability. We may not feel like we’re getting ahead, but for many of us that’s ok; as long as we’re not falling behind.
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Jul 1, 2022
Êtes-vous en bonne santé financière (Parlons Dettes EN 3 Minutes)
La personne moyenne passe la majeure partie de sa vie à rechercher la stabilité financière. Nous n'avons peut-être pas l'impression d'avancer, mais pour beaucoup d'entre nous, ce n’est pas grave, tant que nous ne prenons pas de retard.
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Jun 15, 2022
Controlling Credit Card Debt (MNP 3 Minute Debt Break)
Credit cards can be a valuable tool for personal finance. If you can control the spending, and pay off the balances regularly there are no issues. But it’s easy for credit card spending to get out of control. Before you start cutting that plastic in half, consider these steps in credit card spending: analyze, monetize, prioritize and stabilize.
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Jun 1, 2022
Advantages of a Consumer Proposal (MNP 3 Minute Debt Break)
The bills are piling up. You’re constantly getting calls from creditors. You borrow money from friends and family but it doesn’t seem to be helping. You know that you need to do something, but… what exactly do you do?
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Jun 1, 2022
Advantages d’une proposition de consommateur (Parlons Dettes EN 3 Minutes)
Les factures s'accumulent. Vous recevez constamment des appels de créanciers. Vous empruntez de l'argent à vos amis et à votre famille, mais cela ne semble pas vous aider. Vous savez que vous devez faire quelque chose, mais... que faire exactement?
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May 15, 2022
April Debt Index (MNP 3 Minute Debt Break)
The enduring financial impacts of COVID-19 coupled with the pressures of rising interest rates and a higher cost of living are weighing down Canadians’ confidence in their personal finances. This, according to the MNP Consumer Debt Index which is conducted quarterly by Ipsos on behalf of MNP Limited.
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May 1, 2022
Are You Financially Prepared (MNP 3 Minute Debt Break)
It’s always been difficult to plan for future financial challenges. But these days, the unforeseen seems to be a regular occurrence. No one has a crystal ball for global events let alone circumstances that are unpredictable in your personal world.
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May 1, 2022
Êtes-vous financièrement préparé (Parlons Dettes EN 3 Minutes)
Il est toujours difficile de planifier pour de futurs défis financiers. Mais aujourd’hui, l'inattendu semble être chose courante. Personne n’a de boule de cristal pour les événements mondiaux, sans parler des circonstances imprévisibles dans votre monde personnel.
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Apr 15, 2022
How To Rebuild (MNP 3 Minute Debt Break)
After completing a Bankruptcy or Consumer Proposal, rebuilding your credit can feel nearly as daunting as getting out of debt. But just a few steps every day will get you where you want to go. The following steps will help you focus on your goals, outline your process and visualize the reward that’s waiting for you at the top.
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Apr 1, 2022
Conseils Pour les Nouveaux Parents (Parlons Dettes En 3 Minutes)
La parentalité est différente pour chacun. Mais une chose qui est identique pour tous est l'impact sur vos finances. Vous êtes maintenant responsable d'une autre personne qui dépend de vous pour tout. La bonne nouvelle est que vous pouvez commencer à planifier ces changements financiers dès que vous apprenez que vous attendez un enfant — et ainsi réduire les risques de vous retrouver avec une dette que vous ne pouvez pas gérer.
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Apr 1, 2022
Tips For New Parents (MNP 3 Minute Debt Break)
Parenthood happens differently for everyone. But the one thing the same for everyone is the impact on your finances. You are now responsible for a whole other person who depends on you for everything. The good news is you can start planning for these financial changes from the time you find out you’re expecting — and reduce the chances of ending up with debt you can’t manage.
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Mar 15, 2022
When Creditors Are Calling (MNP 3 Minute Debt Break)
Nobody enjoys being late on bill payments. But unfortunately, it's not always possible to make ends meet. Anyone who has ever been in a position where they're forced to choose between basic necessities and keeping up with their debts understands just how stressful this is. And it only gets worse when creditors begin calling and sending past due notices.
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Mar 1, 2022
Living on a Single Income (MNP 3 Minute Debt Break) - FRENCH
Avec l’économie qui vacille et le chômage qui continue d'être une préoccupation, des milliers de ménages se sont retrouvés à lutter pour faire face à leurs obligations financières. C'est particulièrement vrai pour les familles à revenu unique.
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Mar 1, 2022
Living on a Single Income (MNP 3 Minute Debt Break)
With a wavering economy and unemployment continuing to be a concern, thousands of households have found themselves struggling to make it from one financial obligation to the next. This is especially true for single income families.
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Feb 17, 2022
Jan Debt Index Update (MNP 3 Minute Debt Break)
The latest MNP Consumer Debt Index indicates Canadians’ confidence in personal finances and debt repayment abilities has reached the lowest level ever recorded.
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Feb 1, 2022
Should Couples Have Seperate Accounts (MNP 3 Minute Debt Break)
When couples get married, there is a legal binding of finances and financial responsibilities. But should couples have separate bank accounts? In many cases, setting up a joint account can make achieving collective financial goals easier and measuring each spouse's contributions clearer. But it's not without its downsides – the most noteworthy being a loss of financial independence, either real or perceived.
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Feb 1, 2022
Should Couples Have Seperate Accounts (MNP 3 Minute Debt Break) - FRENCH
Lorsque les couples se marient, il existe une obligation légale entre les finances et les responsabilités financières. Mais les couples doivent-ils avoir des comptes bancaires séparés ? Dans de nombreux cas, l’ouverture d'un compte conjoint peut faciliter la réalisation des objectifs financiers collectifs et permettre de mieux mesurer la contribution de chaque conjoint. Mais ce n'est pas sans inconvénient - le plus notable étant la perte d'indépendance financière soitréelle ou perçue.
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Jan 15, 2022
The Stigma of Debt (MNP 3 Minute Debt Break)
Often, people are uncomfortable speaking openly about their debt and its impact on their personal well-being. Those who are experiencing credit issues fear that the social stigma of debt may be viewed negatively by family and friends and society in general.
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Jan 1, 2022
Financial Challenges of Millennials (MNP 3 Minute Debt Break)
Millennials are the generation that is quickly rising to dominance in Canada. They represent a highly influential age range of 25 to 40 years and comprise more than a quarter of the population. The common denominator among all generations is a desire for stronger financial health. That is, achieving a sense of economic stability within a set of values that helps sustain physical, emotional, and financial wellbeing.
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Jan 1, 2022
Financial Challenges of Millennials (MNP 3 Minute Debt Break) - FRENCH
Les gens sont souvent inconfortables de parler ouvertement de leurs dettes et de leurs impacts sur leur bien-être personnel. Les personnes qui ont des problèmes de crédit craignent que le stigmate social de l’endettement soit perçu négativement par leur famille, leurs amis et la société en général.
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Dec 15, 2021
Holiday Budgeting (MNP 3 Minute Debt Break)
No matter where you are on the holiday scale, the pressure to ‘spend to celebrate’ the season can tip you into the red for months, even years. Specially after the COVID-related restrictions last year, the urge to make a big splash on the holidays could see your spending get carried away landing you in financial distress.
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Dec 1, 2021
Why We Overspend (MNP 3 Minute Debt Break) - FRENCH
À ce moment-ci de l’année, nous pensons aux festivités et au plaisir avec les amis et la famille. Et parfois, nous le faisons sans penser aux finances. Souvent, les finances sont un sujet sur lequel nous ne nous concentrons pas assez tout au long de l'année parce que nous avons acquis de mauvaises habitudes financières.
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Dec 1, 2021
Why We Overspend (MNP 3 Minute Debt Break)
This time of year we think about festivities and fun with friends and family. And sometimes we do it without thinking about finances. Often finances are something we don’t focus enough on through the entire year because we have acquired bad financial habits. They’re easy to fall into and can cause all sorts of personal and financial difficulties.
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Nov 15, 2021
Seniors and Savings (MNP 3 Minute Debt Break) - FRENCH
Nous associons souvent la retraite à profiter des fruits de notre travail. Mais de nombreuses personnes âgées se retrouvent en difficulté financière, même après des décennies à travailler.
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Nov 1, 2021
Seniors and Savings (MNP 3 Minute Debt Break)
Often we associate retirement with enjoying the fruits of our labors. But many seniors find themselves struggling financially even after decades of working.
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Nov 1, 2021
October Debt Index update - November 2021 (MNP 3 Minute Debt Break)
The latest MNP Consumer Debt Index raises red flags about Canadians’ plans to borrow more – and in potentially riskier ways – to make ends meet or finance their purchasing habits over the next few months.
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Oct 3, 2021
What to Know Before Starting a Business (MNP 3 Minute Debt Break)
Starting a new business is a great adventure. And since you’re running the show, it’s on you to make multiple decisions every day, especially the challenging financial ones.
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Oct 3, 2021
Increase Your Business Credit Score (MNP 3 Minute Debt Break)
Today, many Canadian businesses have to work twice as hard to keep up with a competitive landscape in a weakened economy. If you really want to stay ahead of the curve and leave the doors open for as much opportunity as possible, it's crucial to be fully informed of your credit score and what you can do to further improve it.
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Oct 3, 2021
Increase Your Business Credit Score (MNP 3 Minute Debt Break) - FRENCH
Aujourd'hui, de nombreuses entreprises canadiennes doivent redoubler d'efforts pour s'adapter à un paysage concurrentiel dans une économie affaiblie. Si vous voulez vraiment garder une longueur d'avance et laisser les portes ouvertes pour autant d'opportunités que possible, il est crucial d'être pleinement informé de votre cote de crédit et de ce que vous pouvez faire pour l'améliorer davantage.
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Sep 1, 2021
Student Loans 101 (MNP 3 Minute Debt Break) - FRENCH
Aller à l'université ou au collège est un engagement important. Cela peut également être une décision intimidante si l'on considère les années de prêts étudiants qui peuvent en découler. Si vous êtes étudiant ou connaissez quelqu'un qui l'est, c'est le moment idéal pour vous asseoir et examiner de manière réaliste le coût de la poursuite des études.
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Sep 1, 2021
Student Loans 101 (MNP 3 Minute Debt Break)
Going to university or college is a big commitment. It can also be a daunting decision when considering the years of student loans which may follow. If you are a student or know someone who is, now is a great time to sit down and realistically look at the cost of furthering education.
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Sep 1, 2021
Family Budgets (MNP 3 Minute Debt Break)
Every family, big or small, is busy. Between work, school, house chores, and extra-curricular activities you're probably wondering when there is time to do one of the most important things a family needs to do… budget.
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Aug 3, 2021
Debt Index Update - July 2021 (MNP 3 Minute Debt Break)
The latest MNP Consumer Debt Index finds the number of Canadians who are concerned they cannot make ends meet without going into further debt has reached the highest level in three years.
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Aug 1, 2021
What Happens When You Commit To A Consumer Proposal (MNP 3 Minute Debt Break) - FRENCH
Si vous croulez sous le poids de dettes écrasantes et que vous avez finalement décidé qu'il était temps d'agir et de reprendre le contrôle de vos finances – félicitations!
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Aug 1, 2021
What Happens When You Commit To A Consumer Proposal (MNP 3 Minute Debt Break)
If you’ve been struggling under the weight of overwhelming debt and have finally decided it’s time to take action and get control of your finances – congratulations!
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Jul 1, 2021
How Do I Know I Am In Financial Trouble (MNP 3 Minute Debt Break) - FRENCH
Les signes précurseurs de problèmes financiers personnels sont partout. Savoir ce qu'ils sont et comment les reconnaître peut faire la différence entre se remettre rapidement d'un ou deux mauvais mois ou se retrouver piégé dans une bataille de plusieurs mois ou années contre les dettes.
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Jul 1, 2021
How Do I Know I Am In Financial Trouble (MNP 3 Minute Debt Break)
The warning signs of personal financial trouble are everywhere. Knowing what they are and how to recognize them can be the difference between quickly recovering from one or two bad months and being trapped in a months or years-long battle with debt.
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Jul 1, 2021
Is It Difficult To Declare Bankruptcy (MNP 3 Minute Debt Break)
Is it difficult to declare bankruptcy? The short answer is… no. However, there are a few things you should know before you consider bankruptcy as a debt management resource.
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Jun 6, 2021
Better Make A Budget (MNP 3 Minute Debt Break) - FRENCH
Commencez à établir votre budget en examinant vos revenus mensuels. Il s'agit de vos revenus d'emploi, de vos revenus de location et de tout ce qui entre dans la catégorie des « entrées d'argent ». Si une partie de vos revenus est variable, vous devrez faire une estimation.
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Jun 4, 2021
Prepare For The Uncertain Future (MNP 3 Minute Debt Break)
With rising costs of living and unstable job markets, how do you prepare yourself for unexpected situations? We have heard about the rising debt of Canadians and how some have said many are within $200 or less per month away from not being able to meet all their bills or debt obligations each month.
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Jun 4, 2021
Better Make A Budget (MNP 3 Minute Debt Break)
Start creating your budget by looking at your monthly income. This will include your employment income, rental income and anything else that falls under the “money in” umbrella. If some of your income is variable, you’ll need to estimate.
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May 3, 2021
Debt Index Update - May 2021 (MNP 3 Minute Debt Break)
The recent MNP Consumer Debt Index has found some startling findings; More than half of Canadians are within two hundred dollars of financial insolvency. Listen for details on this five year high and the ramifications they may present.
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May 3, 2021
4 Mental Shifts (MNP 3 Minute Debt Break)
MNP has helped thousands of clients over the years. Through these experiences, they’ve learned four critical mental shifts people can make to turn their finances around. Listen for these tips that can turn seemingly hopeless situations into success stories!
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Apr 1, 2021
What Happens If I Don't Pay My Taxes (MNP 3 Minute Debt Break)
The one creditor we all want to avoid… is the CRA. Listen for why and the many things that can happen if you have unfiled or unpaid taxes and what to do if tax debt is weighing on you!
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Apr 1, 2021
How to Calculate and Manage Your Debt (MNP 3 Minute Debt Break)
Not matter the size of your debt there are basically only two ways to deal with it. Calculating it and managing it down. Listen for tips on how to do both and help avoid the never ending feeling of debt!
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Mar 1, 2021
Seniors and Debt (MNP 3 Minute Debt Break)
Just when seniors should be enjoying retirement, many find themselves struggling financially. If you’re a senior or will be soon, listen for tips on how to avoid money issues and enjoy more financial freedom in retirement!
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Feb 1, 2021
Debt Index Update - Jan 2021 (MNP 3 Minute Debt Break)
Will 2021 be different for Canadians and their financial experiences during the pandemic? The recent MNP Consumer Debt Index highlights new findings. Listen for details and the options available to those feeling the financial pressures on them.
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Jan 1, 2021
Tips for Managing your Debt (MNP 3 Minute Debt Break)
When is the best time to manage your debt? Right now. Listen for helpful timeless tips you can use no matter what your current circumstances are and help regain control over your finances.
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Dec 1, 2020
Debt and Divorce (MNP 3 Minute Debt Break)
Financial issues are a leading cause of divorce. And if they were a problem during the marriage, dealing with debt after may not be easier. Listen for the circumstances regarding debt when a marriage ends and new issues can begin.
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Nov 2, 2020
MNP Consumer Debt Index - November 2020 (MNP 3 Minute Debt Break)
Canadians are having different financial experiences during the pandemic. The recent MNP Consumer Debt Index highlights this and how increasing debt continues. Listen for details and the options available to those feeling more of the financial pressures on them.
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Oct 19, 2020
Consumer Proposal vs Bankruptcy (MNP 3 MInute Debt Break)
When bills, loans and credit cards pile up and you need a solution is bankruptcy the only answer? Not always. Listen for the advantages a Consumer Proposal can offer and why bankruptcy may not be the right move.
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Oct 6, 2020
Debt Consolidation Options (MNP 3 Minute Debt Break)
If debt payments have become overwhelming, consolidation can be the answer. But there’s a number of ways to do that! Listen for a few consolidation options available and the benefits and risks that come with them!
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Sep 15, 2020
Your Best Option (MNP 3 Minute Debt Break)
When personal debt feels overwhelming is Bankruptcy the best choice? Are there alternatives? And how do you find them? Listen for the choices available and where to turn to get your best options when it comes to debt!
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Sep 3, 2020
Younger People and Debt (MNP 3 Minute Debt Break)
Young people are experiencing more financial challenges than other generations before. They’re more in debt and facing difficult choices before even starting careers. Listen for the reasons why and ways to overcome being young and in debt!
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Aug 18, 2020
MNP Consumer Debt Index - July 2020 (MNP 3 Minute Debt Break)
Canadians are currently experiencing some financial optimism at the end of the month. But is it sustainable? Listen for what some people are experiencing during the pandemic in their bank accounts.
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Jul 31, 2020
Financial Scams (MNP 3 Minute Debt Break)
Attempts at scamming you out of your money have never been more plentiful or more successful. Hear about the more popular schemes out there and what you can do to avoid them.
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Jul 31, 2020
COVID (MNP 3 Minute Debt Break)
The ongoing pandemic and economic fallout has made a bad situation worse. What are your options when it comes to debt… and how do those solutions affect you?
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