Saboteur : a person who commits or practices sabotage aka. the "Self-Sabotager".

Over the last 40 years of individual and couple counselling, our expert team at Credit Canada has accumulated a wealth of knowledge and experience that has led to certain conclusions about the connection between human dynamics/behaviour and the handling of money.  We have come to realize that the handling, saving, and spending of money has an undeniable emotional component to it that is more powerful for some than others.  There are some who can stick to a budget and treat money quite benignly and objectively in terms of credits and debits; but there is also a large segment of the population whose behaviour, beliefs, and habits appear to work in direct competition with their stated goals.  In essence, one may say that the individual is actually working to sabotage their own financial success, either deliberately or without conscious awareness of their own actions and the repercussions of those actions.

To be clear, we are not referring to those who have sunken into financial difficulty due to a sudden crisis such as job loss, illness/disability, marital breakdown, etc. We are speaking about those who seem to repeatedly “create” financial chaos in their lives, especially at times when things are starting to look brighter and more hopeful.

Specifically, we are focusing on individuals who, from every angle, should be able to manage their finances very easily and yet continually find themselves in financial crises, month after month.

Our credit counsellors have been able to weed out and differentiate the real, tangible reasons why someone may have run into a rough financial patch from the vague, all-encompassing reasons that others offer to explain themselves and their behaviour.

You yourself may have heard a couple of these excuses from “self-sabotagers” or maybe even said them yourself softly in your sleep:.

Why should I create a budget if I don’t have enough money to budget with?

The cost of living is too high these days. Things aren’t as cheap as they use to be. It’s too hard to make ends meet.

If it were not for the creditors, I would not be in this trouble. The companies just keep sending me applications then raise my credit limits without telling me.They allowed me to spend more than I wanted to.

My children are always asking for things and I always end up having to buy what they want. If I say “no”, they’ll feel left out. I don’t want my children to feel different from the neighbours’ children.

I work long hours, so that’s why I can’t keep up with my utility bills. That’s also the reason why my phone was cut.

I’m too busy. I just don’t have time to read financial books or learn about retirement planning.

These are victim stories. Many individuals have convinced themselves that their financial life is out their control and is in fact, controlled by external forces, such as the economy, their creditors, their family/children, their jobs and their apparent lack of free time.

Community Announcements

We are proud to announce that The Centre Francophone of Toronto is a new community partner:   The Centre Francophone of Toronto supports the development and flowering of the diverse French-speaking community in the Toronto area. As a dynamic leader and driving force in Toronto’s francophone community, the Centre francophone de Toronto is committed to offering a broad range of multidisciplinary services and programs from convenient and accessible locations and in partnership with other francophone agencies, in order to meet the needs of Toronto’s highly diverse French-speaking population.    

Nous sommes fiers d'annoncer ceci : Le Centre Francophone de Toronto est un nouvel associé de la communauté:Le Centre Francophone de Toronto appuie le développement et l'épanouissement de la communauté francophone de la grande région de Toronto, dans toute sa diversité.
Le Centre francophone de Toronto est un chef de file de la communauté franco-torontoise, dynamique et engagé dans sa communauté. Sa gamme de services et programmes multidisciplinaires, offerts en partenariat, répond aux besoins de la communauté franco-torontoise dans toute sa diversité.