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As the holiday bills arrive, the RSP vendors gear up their annual pitch and tax-time looms there’s a little unsettling news in a recent survey by one of the country’s big banks. Nearly 20% of the people polled said they did not save any money last year. That seems like a lot but in 2012 nearly 30% of respondents said they couldn’t save.
The survey also revealed that people intend to save and they hope to sock away

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more this year than last. Statistics Canada says the household saving rate is up, climbing to 5.4% in the third quarter of 2013, compared to 5.0% the year before. The expectation is it will stay above 5.0% this year.
Of those who claimed they couldn’t save, fully half said it was because of debt management. Nearly 70% cited insufficient income or high expenses. Some food for thought as you get your financial house in order for 2014.