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If you want to change your situation, you will have to do some things differently.

Be honest with yourself, look at your situation with an open mind and seek the advice of others who you consider to be wise and trustworthy.

However, if you don't create a monthly spending plan and budget your money, it's very easy to continue relying on credit and get further into debt rather than get out of debt.

If your bank or credit union can’t help you, then see if maybe a family member or friend is able to lend you the money necessary to consolidate your debts.

You may have to be willing to make short term sacrifices for a better life in the long run.

By increasing your income you can pay off your debts faster, and by cutting expenses you can save money to pay off debts faster.

If a relative lends you money, but then you lose your job or get hurt and are unable to pay them back, that may sour your relationship with them.

If your relative can’t afford to forgive the loan to save their relationship with you, then this could forever cast a shadow over your relationship with them.

A wise relative may not wish to put themselves or you in a situation like this.

This may be another reason why a relative may not be willing to lend you money. If a relative is able to lend you money, then make sure that you honour your agreement with them and always make your payments on time as agreed.

Maybe your relative’s finances are tight right now—even though they may look successful to you.

Lending money to family members involves added risks.

So if you ask your bank for a debt consolidation loan of ,000, but your net worth is only ,000, they will probably decline your request.

They may be able to give you a ,000 unsecured loan (10% of your net worth), but not much more.

If you have a number of debts, you may wish to merge them all into one loan. There may be a number of reasons why you would wish to do this.

Below are the most common reasons: To learn more about what debt consolidation is and how it works in Canada, click here.