Having a Budget that Fits Your Lifestyle

Introduction to Budgeting

Many Canadians believe that budgets are difficult to use and limit their freedom. However, that’s completely untrue because personal budgeting is necessary to achieve financial freedom. It is a ‘living’ document and can be adjusted as you see fit. People who can account for their money are people who are in control of their personal finances. Read more

Budgeting Made Easy

Personal budgeting doesn’t have to be complicated. It can be a simple spending and savings plan that reflects your lifestyle and includes allowances for fun and recreation. It can help you to stop overspending, avoid credit card debt, bring order to your finances and aid you in setting new priorities for your life. Read more

Creating Your Budget

Ready to create a budget? You don’t need any special budgeting tools to get started. Our five-step budgeting tips process walks you through the basics for creating a budget, regardless of your current debt level. Read more


Sometimes thinking about your budget isn’t enough. To better understand your financial status, it is best to write down all your finances.

Budgeting Tips for Teens and University Students

Budgeting 101: Your Money Guide for Getting Through School

School is important to help you create a successful future. Learning how to budget is one of the lessons that will stick with you long after you’ve graduated. Read more

Managing Your Money: Why It is Important to Start Young

Developing good money management skills can secure your future and help you achieve everything you want out of life. This section teaches teens the importance of budgeting, saving money, how to spend responsibly and how not to abuse credit. Read more

Get Free Budgeting Advice from a Trained Credit Counsellor

Consolidated Credit Counseling Services of Canada, Inc. has helped thousands of Canadians with their personal finances. A trained credit counsellor can do a free budget and debt analysis to help you figure out where you’re spending your money, and advise you the best way to manage your personal finances.

A credit counsellor might also advise you to enter a debt management program or recommend other credit counselling solutions. They can also provide additional budgeting tips and tools.

Budgeting is the first step to gaining control of your personal finances, but you don’t have to do it alone. If you’re having difficulty getting started, call 1-888-294-3130 to speak with a trained credit counsellor or start your free budget and debt analysis online.