Co-signing a Loan? You Might Want to Reconsider

Co-signing a Loan? You Might Want to Reconsider

I am a Licensed Insolvency Trustee with Lazer Grant Inc. and have been assisting people in financial crisis for over 20 years. One of the most distressing situations that I encounter is when I meet with someone who has co-signed a loan for a friend or family member...
Holiday Spending – Six Spergel Survival Tips

Holiday Spending – Six Spergel Survival Tips

SOME SAY THIS IS THE “MOST WONDERFUL” TIME OF THE YEAR – YOUR BANK ACCOUNT MIGHT DISAGREE. Holiday spending can easily get out of hand. How do you keep your spending in check?
Money Troubles – How to Spot Them and Avoid Money Problems

Money Troubles – How to Spot Them and Avoid Money Problems

If you’re not looking for the tell-tale signs, you might miss how big a money problem really is. If a debt problem is bigger than you bargained for, and you don’t act to solve it right away, it can get much worse...
Budgeting for School – Make Back to School a Breeze

Budgeting for School – Make Back to School a Breeze

Back to school is a busy time. Your son or daughter may be a post-secondary student moving away from home for the first time. Maybe you’re gearing up for the daily grind, budgeting for school – organizing your children for another busy year...
Co-signing a Loan? You Might Want to Reconsider

Co-signing a Loan? You Might Want to Reconsider

One of the most distressing situations that I encounter is when I meet with someone who has co-signed a loan for a friend or family member – only to later discover the true impact of what they did....
Budget and Savings – Summer Festival Tips

Budget and Savings – Summer Festival Tips

Summer fun is what the season is all about. Nothing says summer better than a festival weekend outdoors! If you’ve been focused on living debt free, you may have been spending more time thinking about your budget and savings than you have about entertainment...
Words of Encouragement

Words of Encouragement

I’ve got a folder in my office of compliments that I’ve received over the years here at work. Is it okay to admit this? I don’t know. But I figure, if someone has taken the time to write and send me a nice note, it’s worth keeping...
Be Debt Free – Save Money on Canada Day Long Weekend

Be Debt Free – Save Money on Canada Day Long Weekend

A debt-free long weekend sounds pretty easy – just don’t add to your debt with your long weekend spending. Even though it sounds simple, without a few budgeting hacks and savvy money-saving tips, it might not be easy for many people...
Debt freedom has been our number one priority for over 30 years.

Debt freedom has been our number one priority for over 30 years.

30 years ago, Spergel’s doors were first opened to the public in Toronto. Now, decades later, as we celebrate our milestone 30th anniversary...