Debt help resources

Work plays a major role in our lives—after all, most full-time employees in Canada spend 40+ hours a week on the job. While your job can be fulfilling, it can also bring stress—especially when uncertainty arises. If your employer is experiencing financial trouble, it’s natural to feel concerned about what that could mean for your future.

Debt can impact more than your bank account. It can affect your relationships, your mental health, and even your ability to find a place to live. Buying a house isn’t an option for everyone. Typically, renting is the alternative, but if you’re dealing with bad credit, you might be wondering if renting an apartment is even possible. It is—but it might take a little extra effort.

Whether you’re new to Canada, new to independent living, or looking for a new financial start, understanding credit is essential to achieving a stable financial future. Credit can be confusing at first, but once you understand how it works—and how to build it—you’ll be in a much better position to rent an apartment, buy a car, or even get a mortgage.