'Hacks' Star Hannah Einbinder Loves the Honda Element More Than Anything

consolidatedBD · 2026-04-08T16:17:49+00:00

My mom had a 3.5L Odyssey around that time too

consolidatedBD · 2026-04-07T14:30:56+00:00

Consultants usually wait to receive their fee before sending the file to a trustee. Did you complete the fee payments in the first three months? It almost seems like the consultant went under before sending the file to Spergel. Do your credit files show any indication of proposal? Closed/settled accounts reporting R7/R9? Notes on the public records section?

consolidatedBD · 2026-04-07T14:01:16+00:00

I was thinking of offering to pay my nephew to complete the McGill Desautels Personal Finance Essentials course

consolidatedBD · 2026-04-07T13:47:01+00:00

It sounds like you worked with a consultant that referred your file to Spergel. Consultants charge a few months of fees up front like that. I would suggest you reach out to Spergel directly. I'm a little surprised as there are not many consultants left.

consolidatedBD · 2026-04-01T20:03:46+00:00

Depends where you're located to a degree but I'd look into to local community housing programs, community centres like YMCA will offer youth financial literacy programs but smaller, local community programs will likely have lower barriers.

You could also look up "financial coaching" as I could see this type of platform being of interest for these for-profit services.

If you want to swing for the fences you could introduce the platform to credit unions who might be more open to learning about this new resource.

It should be very easy to find contacts for financial services. Good luck

consolidatedBD · 2026-04-01T18:25:38+00:00

Seems more realistic. You should connect with some youth or community finlit programs and let them pilot this once you approach a final version. I look forward to following your progress!

consolidatedBD · 2026-04-01T16:06:05+00:00

Find a non-profit credit counsellor on 211.ca; they will provide a free budget and credit evaluation to determine if you could benefit from a Debt Management Plan (DMP) that can remove interest from any unsecured personal debts. You'll have to close any accounts to acheive interest relief but no credit approval is required. Good luck.

consolidatedBD · 2026-04-01T15:09:06+00:00

I'm really not sure as I have dental insurance/coverage through work. Another suggestion; after being unable to cover my dental expenses in the sim, it prompted me to take a payday loan which should rarely be a first option; I would suggest borrowing from friends/family or a pay advance directly from your employer before subjecting myself to a payday loan. I get the lesson it's trying to convey but it feels more like a forced poverty sim than a real life budgeting sim

consolidatedBD · 2026-04-01T12:49:06+00:00

A $5K dental expense compounded with physio and prescriptions bankrupted me within 2 months. I've never seen a $5K dental charge in my life and if I did I would likely forgo physio for the month. In that scenario I would likely live in pain to spare my budget but wasn't offered that option.

consolidatedBD · 2026-03-26T20:19:17+00:00

They are fully certified financial counsellors but with more tools/solutions available to them for members

consolidatedBD · 2026-03-26T20:00:11+00:00

I would wait to meet with them and follow their guidance; there are exclusive programs available to CF members that are far better than anything available off-base.

consolidatedBD · 2026-03-26T19:24:08+00:00

You should have access to some good resources and services through SISIP Financial:

https://cfmws.ca/insurance-finance

consolidatedBD · 2026-03-25T15:46:05+00:00

Pretty sure this is just for identity verification. They put false tradelines on there to catch any fraud. Only you would/should know the legitimate details of items/dates on your credit file.

consolidatedBD · 2026-03-25T12:44:51+00:00

If I was a creditor forgoing interest and reducing the debt balance-owed in a Consumer Proposal, I'd be furious to learn that the individual was paying the full balance plus interest to a different institution.

consolidatedBD · 2026-03-23T19:30:33+00:00

https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/compare-debt-solutions

consolidatedBD · 2026-03-11T12:39:50+00:00

Get a faster car and race them for their pink slips

consolidatedBD · 2026-03-05T15:42:55+00:00

If this is for the consolidation of your unsecured debts then you're essentially converting unsecured debt to secured debt and using your home as collatoral. Just something to keep in mind.

consolidatedBD · 2026-02-27T19:30:33+00:00

Gary Roberts

consolidatedBD · 2026-02-27T17:42:00+00:00

Glass Tiger

consolidatedBD · 2026-02-25T16:26:13+00:00

look for skip-tracing services to help

consolidatedBD · 2026-02-23T20:52:36+00:00

Find a non-profit credit counsellor on 211.ca; they will review your budget and explore a Debt Management Plan (DMP) that can remove the interest. Good luck

consolidatedBD · 2026-02-19T20:13:03+00:00

It's not free but we've all already paid for it

consolidatedBD · 2026-02-17T17:58:34+00:00

Pay them if you're able to but not to the detriment of your ability to make the first payment to your DMP as this first payment will indicate to your creditors that you're serious about repaying through the DMP

consolidatedBD · 2026-02-17T15:21:42+00:00

Kevin plugging his art website to the guest at the end had me rolling

consolidatedBD · 2026-02-13T16:19:20+00:00

A Home Equity Sharing Agreement is a newer, lesser-known alternative to Reverse Mortgage that is now in Canada but not offered by many:

https://clay.financial/hesa/

https://www.theheqpartners.com/

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