(NC)—For many Canadians, 2011 was a rough year. Layoffs, family emergencies, and poor investment choices have meant you’re counting pennies and struggling to pay off debt. And, with the pending holiday season, you’re stressed about finding money in the budget for appropriate and meaningful gifts. After all, with holiday parties, seasonal decorations, and multiple trips [...]

(NC)—Holiday parties are over, gifts are unwrapped and the Christmas tree is at the curb. Now it’s time to tackle a daunting pile of bills. Follow these three steps to avoid a debt spiral in 2012. 1. Get financial advice A financial advisor can help you pull together a plan to budget and pay off [...]