Equifax’s latest delinquency trends highlight the financial pressure many Canadians are feeling today. From groceries and fuel to mortgage payments, the cost of living continues to rise. While mortgage delinquency rates increased to 0.24% in Q4 2025, they remain historically low, meaning more than 99% of Canadian homeowners are still making their payments. That raises an important question:
What can we do to reduce the pressure on both our wallets and our mental well-being?
Uncertainty can be unsettling because it often leaves us feeling like we’ve lost control. Over my career, I’ve lived and worked through the Dot-Com bubble, 9/11, the Global Financial Crisis, COVID-19, and the recent inflation and interest rate cycle. While every event was unique, the people who weathered those storms most successfully weren’t the ones who predicted the future. They were the ones who had built a strong financial foundation before the challenges arrived.
Financial resilience is built long before it’s needed.
The good news is that financial resilience isn’t determined by where you are today. It’s shaped by the direction you’re moving and the habits you’re building along the way. Like any muscle, financial habits grow stronger with consistent practice.
I’ve put together a series of posts that shares practical ideas to help you regain control, reduce financial stress, and build confidence in your future:
📘 Financial Resilience During Uncertain Times