Money tips for Canadians in 2013

Whether you’re in university, packing school lunches for your own kids, or not far off from retirement, there are ways for people at all life stages to make the year ahead a financially healthy one.

“It’s never too late to make a plan,” says Jeffrey Schwartz, executive director of Consolidated Credit Counseling Services of Canada.

To eliminate or reduce debt in the New Year, Schwartz offers these tips: