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It can be hard to see the path forward for your own finances with all the emotion often attached to the topic. An independent advisor like Debt-Reset can not only provide support, tools, and suggestions but also look at your situation as a whole from an outside point of view.
At Debt-Reset, we provide guidance in developing a budget, maintaining your budget, and developing a savings plan to meet your goals. We act as a financial counselor, coach, and sometimes as a financial therapist. We don’t rely on quick fixes like the 50-30-20 budget, the 70% rule for budgeting, or the 3 Rs of budgeting – we rely on hands-on experience with your unique situation to develop a budget that you can comfortably live with and maintain in the future.
There may be other factors that affect your budgeting process. These include being trapped in a payday loan cycle, struggling with overwhelming debt, having unfiled taxes, dealing with debt from drug or gambling addictions, or facing an undischarged bankruptcy. Each of these issues can hinder your progress and make it difficult to reach your financial goals.
As we move through this process, we may find additional professionals who can help you with your challenges. If needed, we can refer you to specialists like gambling counselors, credit counselors, or Licensed Insolvency Trustees (if a consumer proposal or a personal bankruptcy is an option that may be helpful for you). We do not receive, or advocate for, any referral fee – we act independently on your behalf alone.
We are here to help you explore all your options, and ultimately, you will decide which one is best for you. While there are many free and paid do-it-yourself budgeting tools available, if you’ve found that they haven’t led to lasting changes, it might be worthwhile to consider investing in your financial future with a personalized, supported plan.
Karen has 25 years experience as an Estate Manager and Insolvency Counsellor under the Bankruptcy and Insolvency Act. With her extensive knowledge, she is able to assist individuals with solutions to their budgeting problems. Her expertise lies in navigating the complexities of financial challenges with a focus on budgeting solutions. Karen’s approach when communicating with people is to listen, be empathetic and provide a comfortable atmosphere while addressing budgeting difficulties. She is dedicated to providing individuals facing financial turmoil with the necessary tools, resources, and leadership in a supportive environment to guide them through the budgeting process. Karen’s goal is to empower her clients, helping them work towards sustainable financial success in the midst of challenging circumstances.
Kat Palmer brings years of experience in budgeting and financial guidance to those facing monetary challenges. With experience in similar areas since 2018, she is passionate about helping individuals regain control of their finances through realistic and achievable strategies.
With a deep understanding of the stress that comes with financial struggles, Kat creates a supportive and non-judgmental environment where clients can address their concerns. Her familiarity with budgeting allows her to tailor solutions that meet unique needs, empowering people to take confident steps toward financial stability. Kat believes that with the right support, anyone can transform their financial future.
info@debt-reset.ca