I have become a vegan not by choice. My pants do not fit anymore.
Sometimes someone will comment on how thin I am. I say 'I call it the foodbank diet'. My dad scolds me 'Stop saying that! It is embarassing.'
Welp, it is the truth.
My kingdom for a fridge full of real food.
Edit: I am in Edmonton. Prob should have said that. Thanks for all the amazing comments.
I lost my apartment due to a fire and was approved for emergency accommodations through Alberta works they refused to extend it and denied me emergency financial services for food while at the temporary hotel I'm a single father who hasn't been able to work since Feb due to herniated disc my son's are now staying with my mother in law my fiance mother of my kids passed two years ago I feel as though I lost it all against my will my finances never been this bad I worked in the oilfield for years I'm not used to this poverty Alberta works denied me benefits I'm waiting for the appeal in 2-3 days I'm lost
I'm living off of about $120-$150/month for the next three months as I have been unable to find a summer job (student) and most of my money goes into rent. I'm already breaking out/feeling exhuasted from lack of eating (I eat twice a day, one bowl of plain oatmeal in the morning and I try to make something more substantial for lunch/dinner). Honestly wouldn't be surprised if my hair starts falling out soon.
I need advice on some high-value meals that don't cost me tons to make preferably with ingredients that don't go bad too quickly. I live in Halifax, so I guess shopping I can get to by bus is also welcome in terms of ideas.
Things I already do:
Shop only on days with student discounts
Don't go out/eat out
Taken on extra commission work to try make things stretch
Try and take a multivitamin everyday (I do forget, and they're always an upfront cost)
Thank you for any advice!
Hello,
I currently have a total of $120,000 in unsecured debt. I am planning to file for bankruptcy, and I am afraid of losing my house. The trustee told me they have no interest in my house as it has zero equity.
My concern is that my mortgage is with Scotiabank, and I also have a $70,000 line of credit with them that will be included in the bankruptcy.
Can the bank force the sale of the house? Or require that I repay the full mortgage if I file for bankruptcy? Will I be able to keep the house and continue making the regular mortgage payments?
Im looking to switch banks, and am already leaning towards Simplii, but I was wondering if anyone would recommend Tangerine instead and if so why?
I don't have a trust worthy 3rd party who can hold my money for me I'm in Ontario Canada - what can I do? My whole family is quite poverty stricken and terrible with money management. My significant other has a history of stock piling money and using it to control me. I do not ave any friends frust worthy to keep my money. I make an okay income but not enough to hire a financial planner or advisor or anything of the sort.i really just need a trust worthy company or person to handle my money for me because there is sadly no one in my life who can assist me in this way.
Hi, I'm in BC here. I have to change up my Telus account. It's absurd. I phoned them months ago and they said I had a deal until May, but it was a bogus "special" where they made it seem like they had given me a deal until May, but only some of their services were on special until then.
Years ago, I got a "free" fiber upgrade/install, that came with a security system. The system is shit, and I don't even want it anymore, and the last two times I told them I didn't want it, they told me they couldn't give me any package deal without it, and they got me onto a better deal but it always reverts back to the shit deal where I'm paying about $150 to $175 month just for phone and fiber internet. No cell plan with them. And, one time they didn't even tell me that my voicemail was cancelled.
My email account is a telus email account, although they shifted it to gmail years ago. So, now I don't know how to keep my email addresses or the account if I switch internet providers.
It seems like the CRTC that used to, be more on our side, is letting the corporate slobs run amok, and extort our money from us.
It seems like I could phone up and ask for their loyalty dept. and ask what can they do for me, but I might have to just threaten to go with another provider who can offer a decent contract. Here, it's more or less like Coke or Pepsi. Rogers or Telus. I think Rogers amalgamated with Shaw, too?
Anwyay, **&$&$& )#(*#!!!! What the hell do I do? I don't want to spend a whole day on the phone either!
I’m currently carrying about $23,000 in debt with an income of roughly $5,000 a month, but I can’t keep up with the payments anymore. I also don’t have access to a consolidation loan or financial help from family.
The consumer proposal they worked out would have me paying back about 97% of the debt at $540 a month. I realize that’s not exactly a “great deal” overall since it totals around $32,400 by the end, but right now I’m drowning in nearly $2,000 a month in loan payments. Dropping that to $540 would free up about $1,500 a month, which would make a huge difference financially and mentally.
Before I move forward with filing, I just wanted to ask if there are any other options I may have overlooked. The trustee mentioned that because the recovery rate is around 97%, the lenders would very likely accept it.
Hey everyone! Please pardon my naivety but I am regrettably completely ignorant about personal finance and I count on this community for guidance and support. I got no family but luckily I got some very little bit of funds which are currently idle. I have around $18,000 idle fund and $7,000 in debt. Since I am unemployed and very frugal (with fragile finances), I wanted to use the funds in the best way possible that it generates the highest returns. What do you advise me? Specific investment-related products? Things to avoid? Bank names?
Any other pertinent, helpful insight would be highly appreciated. Thank you so much
Due to having a soon to be ex husband who has refused to ever get a job, and who has had us move around multiple times in pursuit of his subcontractor opportunities the past year (not a single job he’s ever completed, he usually quits because other people don’t know what he’s taking about so then we lose on money due to not completing the contract plus our travel costs). I’ve been trying to keep things afloat by working whatever jobs I can whenever we move, but it’s been so inconsistent that I’ve falling way behind on my car finance. And honestly, everything else.
I have already been warned I am at risk of repossession and honestly at this point I feel it would probably be for the best. I own a secondary vehicle that was purchased for the big business he was going to build that was paid in cash. I plan on using that to trade in for a sedan or SUV so I will at least have a vehicle to get to and from work without worrying about how I’m going to make my biweekly car payments and catch up on over $1700.
Wondering If anyone has had a vehicle repossessed and can give me an idea on the process? Located in BC. I’d just like to prepare myself in case they were to show up with a tow truck at my work and try and save myself from the embarrassment.
I have offered to voluntarily surrender the car twice now and my finance company only provides extensions to pay even after threatening repossession and will never provide an option to self surrender the car. It’s a shitty position to be in but I have no choice. I have to completely rebuild my life and get the rest of my finances back in order and this cars regular finance is over $700 a month.
To those who had to repay the Canadian Dental Care Plan despite not having used private insurance, it's pretty clear that regardless of income, i may have to get some form of private insurance. Does anyone happen to know what would be an affordable option in that regard? Cuz I don't think I can rely on the CDCP even if I were to somehow be eligible again, as they will try and force me to pay what they insured
Hi everyone,
I’m looking for some insight from anyone who has navigated a Consumer Proposal (CP) in Ontario as a high-earner, specifically when the "reason for insolvency" involves the stock market.
I am earning $115k/year (household income is ~$150k). We own a home about $80k in equity. Despite the solid career, I am carrying $120k in unsecured debt, primarily with TD and BMO.
Over the last 2 years, I lost approximately $100k+ in trading. I want to emphasize that I did not use bank credit to fund the trades. The losses came from my own RRSP, a severance package, and tax refunds. I basically burned through all my personal liquid assets trying to "fix" my situation before realized the debt interest was a treadmill I couldn't outrun. I haven't traded using credit money but the cost-of-living debt left over is now unmanageable.
The Concern:
I’m worried that because I spent my own savings (RRSP/Severance) on trading instead of paying down my loans, the creditors (especially TD, who holds 60% of the debt) will reject the proposal on "bad faith" grounds.
Has anyone with trading losses filed a CP where TD was the main creditor? Did they push for a much higher recovery rate because of the trading history or refused saying that u should have paid debt instead of trading
Has anyone who is registered ever used it for an emergency dental appointment?
I haven't used it yet but i have a tooth ache that's getting bad so i called a dentist today. They told me they didn't have any appointments for today but to call after 6pm to book for tomorrow (Saturday).
I just called and I'm not sure who handles the phone but I was told that they aren't able to book me with the federal dental plan and i should call back tomorrow when it's the clinic receptionists on the phone..
I'm not sure if that's just a limitation for the phone service or if urgent appointments on weekends are not available at all with the plan and I'll have to wait until Monday for an appointment.
So just wondering if anyone has had this issue. It seems strange to me unless it's just an issue with the service who takes calls in the evening.
I owe to a few companies and they’re in collections. I want to try and pay them off but money is tight. How is the best way to do this? Contact the company I see on my credit report and ask for proof of the debt and offer to pay a percentage? Any tips? In NB