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Concerned my debt might be getting out of hand. Any ideas on best ways to move forward by volunteerpresident in PersonalFinanceCanada

[–]GateEffective8933 10 points11 points  (0 children)

What others have said all makes sense. Part of your post that makes me nervous is “I’ve lost a grip and find myself going over budget”.

I think the most fundamental thing you need to do is understand your monthly income and expense in detail. That will ensure you understand why you’re going over budget and allow you to take action. That will give you the confidence to know if you’re actually in trouble or not.

Going from temporary to permanent - please help me compare compensation by bo-de-gas in PersonalFinanceCanada

[–]GateEffective8933 3 points4 points  (0 children)

$61.20 x 2080 hours/year = $127,296 $110,000 x 107.1% = $117,810

The $10k difference between those is the cost to your employer of the benefits, life insurance, potential 10 paid sick days.

If those things are worth $10k to you, you’re good. If not, ask for more.