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Lazard & Associates Inc

Budget Planner

You can make a custom budget with the Budget Planner tool offline and take it everywhere you go. It provides information to assist you determine your next course of action. Additionally, it generates charts that display where your money goes.  This tool is in spreadsheet format and is the most popular personal budgeting tool.  Many browsers, computers and mobiles offer software that allows you to make use of this simple budget spreadsheet.

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Our Industry Experience

Why Choose Us?

It can be quite difficult to trust someone with your finances, but when it comes to personal bankruptcy, there’s no one you can trust more than Lazard & Associates. We help you reestablish your credit, pay of your debt and avoid bankruptcy through consumer proposals.
  • We have more than 20 years of experience.
  • Our associates are licensed, experienced and trusted in the community.
  • We reduce your stress by making decisions to relieve you of debt.
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Lazard & Associates Inc

Financial Planning & Budgeting

Your financial health is the state of your finances. A consistent income stream, a rising cash balance, a solid investment portfolio, and routine expenses without any unexpected surges are signs of strong financial health. Reaching this point may seem difficult, especially if you are starting off with a small income and significant costs.

Planning your finances can help with this. Your overall financial goals should be kept in mind while you make your financial plan.

When monitoring your spending habits, consider whether your choices are consistent with your overall financial goals. The goal here is to help you understand your own financial behaviour, not to criticise or lament the past. It may be beneficial to reevaluate some of your financial choices or to align your behaviour with your life goals.

Lazard & Associates Inc

Reviewing Your Debt & Seeking Help

Although having debt may seem like a heavy burden, it is frequently a vital aspect of modern life. And in some circumstances, it can even be preferable to paying large sums of money upfront for each purchase. Having said that, it’s usually preferable to be aware of your debts and sort your debt according to interest rates. High interest bills should always be paid off first. Low or no interest debts, on the other hand, can be paid on time and may enable you to organise your finances better.

Reviewing your debts and payments is necessary for working out your budget. As you go through last year’s finances, you will see a clear pattern of spending, investments, and income. These will help in making a more realistic budget, one that you can stick to. You can keep tweaking it as you rework your investment decisions through the year.

The first step in becoming financially literate is becoming knowledgeable about money and how it functions. You can use one of our free tools to examine your situation. If you think you might need expert help with your debts or you are struggling to meet payments causing debt to pile up, contact us at Lazard and Associates to discuss your debt relief options.

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Lazard & Associates Inc

What Our Satisfied Clients Say About Us

Very Professional, Very Understanding and Above All Very Kind Hearted Team! First time I went there I felt like a complete Loser to say the least!!! After discussing in details with Happy-go-Lucky Louise I felt 90% of my anxiety immediately gone! No word of a lie I smiled and laughed all the way home!!”

– Satisfied Client

I found Lazard and Associates to be professional and caring. After getting myself into some serious trouble, I am back on track with their help. Avoiding Bankruptcy and doing a proposal has been very helpful in reestablishing my credit quickly. I have recommended them to friends and family and happy to see that it isn't a cookie cutter approach. They take the time to do what's best for the client.”

– Satisfied Client