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Hi everyone,First of all, thank you for taking the time to read this.I have 2 lovely, lovely, friends (engaged) who are in major need of help (and still a bit of denial).Here are their situations:Laura, 31 years old.$7,912.94 credit card debt @ 24% interest. (down from $11,500)$19,788.51 LOC debt @ 6.25% interest. ($20,000 limit)Car financing: $17,718 remaining @ 5.57%Monthly income: fixed $2028 (currently on EI)​Mike, 33 years old.$10,000 credit card debt @ 19% interest$10,000 LOC debt @ 6.25% interestMonthly income: approx $2800 ($28/hour personal training for goodlife)​Total household income: $4,828NO SAVINGS.​EXPENSES:Monthly Debt Repayment:Laura Visa minimum payment: $276.84Laura LOC minimum payment: $97.82Laura car financing: $343.44Mike Visa minimum payment: approx $250 (estimating)Mike LOC minimum payment: approx $50 (estimating)Total Debt Repayment: $1,018.10​Monthly Fixed Expenses:Rent: $1,512Laura car insurance: $194Mike car insurance: $263Laura phone bill: $56.50Mike phone bill: $85Internet: $35Electricity: $130Dog food: $17.50Dog grooming: $8.34Laura eye contacts: $66.67YNAB subscription: $15Total fixed expenses: $2,383.01​Monthly Fluctuating Expenses:Groceries: $600Gasoline: $200Laura fun money: $100Mike fun money: $100Laura and mike personal care: $100Total fixed expenses: $1,000​What’s leftover at the end of the month for additional payments on Laura’s visa: approx $326.89I used this debt calculator today: https://ift.tt/3vF5pkw Laura’s credit card, and a total payment of about $600/month, her credit card should be paid off within 16 months. But, the other debts continue to grow, as do the minimum payments due to the interest.Is this doable? Can they avoid consumer proposal or bankruptcy? They have no savings.We are using the debt avalacnhe method. Our plan was to tackle Laura’s visa, then Mike’s visa, then Laura’s LOC, then Mike’s LOC.I was going to get Laura and Mike to try to transfer their CC balances to a 0% interst card. Their line of credits are maxed out and they got denied for an increase.Some notes:Living in Toronto. WhitbyBoth Laura and Mike are vegetarian.I have successfully gotten them to stop using their credit cards and line of credits, and only spend on debit. They are only purchasing the essentials, cutting everything possible out.Laura is an RN, but refuses to get the covid vaccine so is unable to work in any healthcare jobs that require a nursing license or a covid vaccine. She is also taking some holistic nutrition 12 week bootcamp that is only accessible to doctors/RNs/etc. She quit her job to focus on it, but it was designed for working professionals to take it while still working as doctors and nurses. She says her main focus is to pass this course with flying colours and doesn’t want to get a job until its done at the end of the year. She very health focused and still wants to be able to buy her probiotics, supplements, and vegan protein powder.Please let me knwo if I accidentally left anything out via /r/PersonalFinanceCanada https://ift.tt/3pxboa3

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I put together some graphs that compare the US and Canadian economies. It seems while the US economy does have its housing booms, Canada’s business investment has seemed to have shifted in a more permanent fashion.In 1999, Canada had a spending ratio of about 1.85X on productivity enhancing business tools vs residential construction. The US ratio was about 2.4X. Today, the US spends has about the same ratio (2.4X), whereas Canada’s has fallen to 0.5X, a decrease of 73%.In 1987, in the last housing bubble, spending on machinery/eq/ip was still above 6.2% of GDP, giving a ratio of about 1.0X. Yes, we had too much credit flowing into real estate, but at least we still had a balance between productivity investments and speculation. Today, real estate speculation is near double that of productivity enhancing investments.In fact, since around 2009, the level of investment into machinery/eq/ip has remained lower than in the depths of the early 90’s recession. In a way, we are suffering through a 12 year old recession, because we are unwilling to raise rates and get back to a real economy, rather than a credit fueled housing bubble.Productivity drives growth and increases living standards over the long term. Housing bubbles make some people rich on paper, but ultimately do nothing for growth. Strong economies don’t have households with record debt. Nor do they have headlines telling people to buy a house now, or regret it for the rest of your life. Canada is in a bad way and something needs to change.In my opinion, we need higher rates and without them, we are setting ourselves up for some serious economic and political turmoil. Pay now or pay later.Source data…Statcan & Bureau of Economic Analysis. via /r/canadahousing https://ift.tt/3Ehsm0p

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Pro tip to save money on ebooks/audiobooks by more effectively using Libby: Queue up a bunch of books that you’re interested in. You can set a hold as inactive and say to not check it out until 30 days later, change your settings to not auto checkout so that you can choose to “Deliver later” even if not ready 30 days out.Then, when the time comes that you want to read a given book, you’ll be at the front of the line, where you can make a book active and pick it up quickly.I do this, have the hidden audible silver membership, and buy books infrequently as a result.EDIT: Not sure whether this was common knowledge, but I haven’t seen it mentioned. Also, another excellent resource is ereaderiq. I highly recommend donating money when they save you something to support the service. via /r/books https://ift.tt/3C9NQLW

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