Personalized Programs
A debt payoff plan built around your real life.
One-on-one help to see where your money goes, what you can really put toward debt, and the date you'll be done. No shame, no lectures, just a plan you can keep.
Button not opening your email? Write to hello@themoneyproject.ca directly.
Is this for you?
You might be a fit if...
- You have credit card, line of credit, car or personal loan debt and don't know where to start
- You pay every month, but the balances barely move
- You want to buy a home and your debt is in the way
- You're going through a separation and untangling debt on one income
If you can't cover your minimum payments right now, a non-profit credit counsellor or a Licensed Insolvency Trustee may be the better first call. I'll tell you honestly on our discovery call.
What's included
Everything in the program
- A 90-minute planning session, one-on-one
- A realistic budget that shows what you can actually put toward debt
- Your written payoff plan: which debt to pay first, your debt-free date, how much interest you'll save, and a month-by-month schedule
- Credit score guidance, including help spotting and disputing credit report errors
- Three monthly check-ins (30 minutes each), with a progress report after each one
- Email support between sessions
How it works
Four steps, start to finish
- 1
Free discovery call
20 minutes to talk through where you are and whether this is the right fit.
- 2
Get set up
Fill in a short intake form, agree to the terms, and pay.
- 3
Build your plan together
We work through your budget and debts and leave with a plan you believe in.
- 4
Stay on track
Three monthly check-ins keep you moving, with a progress report that shows how far you've come.
What you'll walk away with
Your plan shows your debt-free date, your payoff order, and exactly how much interest you'll save compared with paying the minimums.
Sample plan
An anonymized example of what your plan could look like
Debt-free date
Mar 2029
Interest saved
$4,120
Payoff order
Credit card, then car loan, then line of credit
Month-by-month, first 3 months
Price
Investment
Debt Payoff Program
$525 + HST
$297 + HST
For a limited time
After your three check-ins, you can keep going with monthly check-ins and progress reports for $75 a month + HST. Pause or cancel anytime.
Questions people ask
FAQ
Do I need to share my account passwords or numbers?
Never. I only need balances, interest rates, minimum payments and credit limits.
Will checking my credit score hurt it?
No. Checking your own score has no effect on it.
What if I have a bad month?
It happens. We look at what got in the way and adjust. The plan is built to bend, not break.
What happens after the three check-ins?
You'll have your plan and the habits to follow it. If you'd like me to stay with you until you're debt free, monthly check-ins continue for $75 a month + HST, and you can pause or cancel anytime.
Can I get a refund?
Yes, a full refund if you cancel at least 48 hours before your first session. After that, the work is underway, so fees aren't refundable. The full terms are in the client agreement.
Is my information private?
Yes. I only use it to build and update your plan, and I never share it without your written permission. Once your numbers are in your plan, I delete the statements you send me.
Are you a financial advisor?
I'm a Personal Finance Strategist, not a licensed financial planner or credit counsellor, and I don't sell financial products. I'm also a licensed mortgage broker with The Mortgage Project Inc. (The Mortgage Coach, FSRA #13120), a separate business. I'll only connect you with it if you ask.
"Confidence with money starts with a plan, not a lecture."
Button not opening your email? Write to hello@themoneyproject.ca directly.