Habits that help Canadians successfully pay down debt

Paying down debt is often presented as a simple equation: spend less, earn more, and put the difference toward what you owe. But knowing what to do is only part of the challenge. The harder part is consistently making financial decisions that support your goals, especially when rising costs, unexpected expenses, or everyday temptations get in the way.That’s where habits come in. Habits are the automatic behaviours that shape how we spend, save, borrow, and manage money over time. A single