Now that you are dealing with your debt through a bankruptcy or consumer proposal, you want to avoid future problems and get a fresh start by taking steps to manage your money. Here are some tools that can help:
If you are good with numbers, start by making a budget. We have advice on:
- Making a budget
- Using
- a budgeting app on your phone or computer
- the envelope or jar system
- the calendar method
- the multiple bank accounts stem
- the Hoyes Michalos downloadable Excel spreadsheet to keep a budget
If you don’t want to keep a budget, no worries, you can use the Hoyes Michalos No Budgeting System.
There are also specialized apps that help you:
- Save money at the store
- Track your mileage expenses if you are self-employed