{"id":57248,"date":"2023-07-28T15:49:11","date_gmt":"2023-07-28T15:49:11","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/"},"modified":"2026-01-30T15:37:55","modified_gmt":"2026-01-30T20:37:55","slug":"debt-and-stress-relief","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/","title":{"rendered":"Debt and Stress Relief"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b-0 pad-t-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns pad-b-0 mob-pad-b-0 pad-t-0 mob-pad-t-0 pad-r-0 mob-pad-r-0 is-layout-flex wp-container-core-columns-is-layout-ca8e319f wp-block-columns-is-layout-flex\" style=\"margin-top:0px;margin-bottom:0px;padding-top:32px;padding-bottom:32px\">\n<div class=\"wp-block-column is-vertically-aligned-center mar-r-dbl mob-mar-r-dbl is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:32px;padding-bottom:32px;flex-basis:50%\">\n<p class=\"h3 mar-t-0 mar-b-0 wp-block-paragraph\">Financial challenges can trigger stress, taking a toll on your overall wellbeing.\u00a0 Learn how to manage your debt, stay on top of your expenses and deal with unexpected events.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:32px;padding-bottom:32px;flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-1bfbc5d1 wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-embed aligncenter is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Reducing financial stress matters\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/S36gzzP-gS0?feature=oembed&#038;rel=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-29a2353c-eaae-45bd-abbc-35cff2d4b2c3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0 mar-b-0\" id=\"h-the-latest\">The Latest<\/h2>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a95016d3-2acf-4347-bf75-5cb9c5980d63\" aria-hidden=\"true\"><\/div>\n\t\n\n\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-default\">\n\t\t\t\t\t<article id=\"post-74892\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-74892 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-personal-finance rbc_content_type-article rbc_lob_group-accounts rbc_difficulty_level-beginner rbc_mmm_category-bankruptcy rbc_mmm_category-consumer-proposals rbc_mmm_category-debt-stress-relief\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Young man at a desk upset about debt\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-01T105643.093.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Young man at a desk upset about debt\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/\">\n\t\t\t\t\t\tConsumer Proposals\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/a-consumer-proposal-or-bankruptcy\/\" class=\"h4 loop-post-title mar-t-0\">Consumer Proposal vs Bankruptcy in Canada: What&#8217;s the Difference<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<article id=\"post-58164\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-58164 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-managing-money rbc_content_type-article rbc_audience-business-owners rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-bankruptcy rbc_mmm_category-consumer-proposals rbc_mmm_category-debt-stress-relief\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Burning candle on table in darkness\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-20T105927.651.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Burning candle on table in darkness\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/\">\n\t\t\t\t\t\tConsumer Proposals\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/an-alternative-to-bankruptcy-understanding-the-consumer-proposal-process-in-canada\/\" class=\"h4 loop-post-title mar-t-0\">What&#8217;s a Consumer Proposal in Canada? How it Works, Costs and Eligibility<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<article id=\"post-74766\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-74766 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-personal-finance rbc_content_type-article rbc_lob_group-accounts rbc_difficulty_level-beginner rbc_mmm_category-bankruptcy rbc_mmm_category-consumer-proposals rbc_mmm_category-debt-stress-relief\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Stressed woman looking at her bills\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Stressed woman looking at her bills\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/\">\n\t\t\t\t\t\tConsumer Proposals\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/\" class=\"h4 loop-post-title mar-t-0\">How Does a Consumer Proposal Affect Credit Scores?<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4ffbaf67-5cd2-4748-80f8-d97f549e9816\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-d49dc7c7-4cc9-4105-8e85-12ba2e6060f1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-group mob-mar-r-hlf mob-mar-l-hlf is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"h2 wp-block-paragraph\">\u201cDon\u2019t save what is left after spending.&nbsp; Spend what is left after saving.\u201d<\/p>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d25a10fb-f63c-4ac4-8734-d4565c56f9ce\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-c3f7424d-93d6-4044-b862-9ffb4a39d053\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0\" id=\"h-struggling-to-make-ends-meet\">Struggling to Make Ends Meet<\/h2>\n\n\n\n<div class=\"wp-block-rbc-my-money-matters-category-list\">\n\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/struggling-to-make-ends-meet\/managing-and-consolidating-debt\/\">Managing and Consolidating Debt<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/struggling-to-make-ends-meet\/managing-expenses\/\">Managing Expenses<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/struggling-to-make-ends-meet\/improving-your-credit-score\/\">Improving Your Credit Score<\/a><\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t<div class=\"button-ctrl\">\n\t\t\t\t<button class=\"button-prev hidden\"><span class=\"offscreen\">Go to previous tab<\/span><\/button>\n\t\t\t\t<button class=\"button-next hidden\"><span class=\"offscreen\">Go to next tab<\/span><\/button>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-fe813ae2-6e93-4230-af9f-5daf801a2402\" aria-hidden=\"true\"><\/div>\n\t\n\n\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-standard-tall-standard\">\n\t\t\t\t\t<article id=\"post-58134\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-58134 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-budgeting rbc_content_type-article rbc_lob_group-ways-to-bank rbc_difficulty_level-beginner rbc_mmm_category-debt-stress-relief rbc_mmm_category-handling-financial-stress rbc_mmm_category-unexpected-events\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"From behind image of a woman sitting at a desk going over expenses\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-13T141427.262.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"From behind image of a woman sitting at a desk going over expenses\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/handling-financial-stress\/\">\n\t\t\t\t\t\tHandling Financial Stress\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/handling-financial-stress\/5-steps-for-managing-expenses-during-financial-hardship\/\" class=\"h4 loop-post-title mar-t-0\">5 Steps for Managing Expenses During Financial Hardship<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<article id=\"post-58170\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-58170 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-budgeting rbc_content_type-article rbc_lob_group-loans rbc_difficulty_level-beginner rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-loans\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"A girl writing down on notepad and using calculator.\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"960\"\n\t\t\theight=\"640\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/07\/REPLACE-STRATEGIES-FOR-PAYING-DOWN-DEBT.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"A girl writing down on notepad and using calculator.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/\">\n\t\t\t\t\t\tUnderstanding Loans\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/strategies-for-paying-down-debt\/\" class=\"h4 loop-post-title mar-t-0\">Strategies for Paying Down Debt<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-c31ea906-fdf1-46f7-bca9-562ae90ec424\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0\" id=\"h-unexpected-events\">Unexpected Events<\/h2>\n\n\n\n<div class=\"wp-block-rbc-my-money-matters-category-list\">\n\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/loss-of-income\/\">Loss of Income<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/handling-financial-stress\/\">Handling Financial Stress<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/money-in-an-emergency\/\">Money in an Emergency<\/a><\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t<div class=\"button-ctrl\">\n\t\t\t\t<button class=\"button-prev hidden\"><span class=\"offscreen\">Go to previous tab<\/span><\/button>\n\t\t\t\t<button class=\"button-next hidden\"><span class=\"offscreen\">Go to next tab<\/span><\/button>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9b198656-377f-4c77-99b5-37bda400e51f\" aria-hidden=\"true\"><\/div>\n\t\n\n\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-tall-standard\">\n\t\t\t\t\t<article id=\"post-57621\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-57621 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-personal-finance tag-savings rbc_content_type-article rbc_lob_group-investments rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-debt-stress-relief rbc_mmm_category-handling-financial-stress rbc_mmm_category-ideas-and-motivation rbc_mmm_category-inspired-investor rbc_mmm_category-managing-expenses rbc_mmm_category-money-academy rbc_mmm_category-struggling-to-make-ends-meet rbc_mmm_category-unexpected-events\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Person making a frame with their hands\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"960\"\n\t\t\theight=\"446\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Person making a frame with their hands\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/\">\n\t\t\t\t\t\tIdeas and Motivation\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/\" class=\"h4 loop-post-title mar-t-0\">Spending With Intention: Budget Your Way to Financial Peace<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<article id=\"post-58111\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-58111 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-personal-finance rbc_content_type-article rbc_lob_group-loans rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-money-academy\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"A smiling couple on a couch, working on a budget\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-11T133425.209.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"A smiling couple on a couch, working on a budget\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/\">\n\t\t\t\t\t\tBudgeting\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/how-to-make-the-most-of-your-rainy-day-fund\/\" class=\"h4 loop-post-title mar-t-0\">How to Make the Most of Your Rainy Day Fund<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-d94387ea-e192-40ff-9e65-6156e25bf0f5\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0\" id=\"h-bankruptcy\">Bankruptcy<\/h2>\n\n\n\n<div class=\"wp-block-rbc-my-money-matters-category-list\">\n\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/personal-bankruptcy\/\">Personal Bankruptcy<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/business-bankruptcy\/\">Business Bankruptcy<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/\">Consumer Proposals<\/a><\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t<div class=\"button-ctrl\">\n\t\t\t\t<button class=\"button-prev hidden\"><span class=\"offscreen\">Go to previous tab<\/span><\/button>\n\t\t\t\t<button class=\"button-next hidden\"><span class=\"offscreen\">Go to next tab<\/span><\/button>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-f8ddbc31-8514-4079-83f6-c46b010cb953\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mar-b-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-standard\">\n\t\t\t\t\t<article id=\"post-58171\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-58171 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-and-debt rbc_content_type-article rbc_audience-business-owners rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-bankruptcy rbc_mmm_category-debt-stress-relief rbc_mmm_category-personal-bankruptcy\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Two male hands shaking over paperwork and a gavel on a desk\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Two male hands shaking over paperwork and a gavel on a desk\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/personal-bankruptcy\/\">\n\t\t\t\t\t\tPersonal Bankruptcy\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/personal-bankruptcy\/understanding-the-bankruptcy-process\/\" class=\"h4 loop-post-title mar-t-0\">How Personal Bankruptcy Works in Canada: A Step-by-Step Guide<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e9958e87-e577-4cc4-9fd1-d8e27bc1bbdd\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbc-block pos-rel top-line-blue block-wpr pad-t-0 pad-b-0 pad-l-0 pad-r-0\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner pad-l-0 pad-r-0 pad-b-0 pad-t-0\">\t\n\t<div class=\"wp-block-tk-spacer id-2aa5c762-7554-4cd7-9149-d01081206b14\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color wp-block-paragraph\" style=\"font-weight:400\">Did You Know?<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1c9d8342-b8c8-4bd1-ab71-a97324f16b5c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"h4 mar-t-0 mar-b-0 wp-block-paragraph\">67% of Canadians are concerned about their cash flow<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-17af5e31-5e6e-4c2f-81a9-49ebe9681f19\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color wp-block-paragraph\" style=\"font-weight:400\">Source: RBC 2023 Financial Independence Poll<\/p>\n<\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-ebe8a300-79f7-47ef-8cfd-c3518a833ae3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-block pos-rel top-line-blue block-wpr pad-t-0 pad-b-0 pad-l-0 pad-r-0\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner pad-l-0 pad-r-0 pad-b-0 pad-t-0\">\t\n\t<div class=\"wp-block-tk-spacer id-f1b71d77-672e-4b64-808f-5ff05702be88\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color wp-block-paragraph\" style=\"font-weight:400\">Did You Know?<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e4eb6ecd-8033-479e-aed9-597ab304aafb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"h4 mar-t-0 mar-b-0 wp-block-paragraph\">Over a quarter of Canadians are feeling more anxious about their financial futures<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-ae6775c6-af51-4cfb-acc5-72cd1d95c7ab\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color wp-block-paragraph\" style=\"font-weight:400\">Source: RBC 2023 Financial Independence Poll<\/p>\n<\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e30dcf67-c558-4124-b0a8-5c06be8b06d6\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-block pos-rel top-line-blue block-wpr pad-t-0 pad-b-0 pad-l-0 pad-r-0\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-7de04d75-74c4-4bf1-b3ba-17106a2f55f7\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-29a2353c-eaae-45bd-abbc-35cff2d4b2c3 {\n\t\theight: 64px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-29a2353c-eaae-45bd-abbc-35cff2d4b2c3 {\n\t\t\theight: 50px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-a95016d3-2acf-4347-bf75-5cb9c5980d63 {\n\t\theight: 32px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-a95016d3-2acf-4347-bf75-5cb9c5980d63 {\n\t\t\theight: 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