Help is available from (click for details)
Money Mentors: classes and help with credit counselling, financial guidance, budgeting bankruptcy, debt counselling.
Momentum: programs to help you manage your money, financial guidance, budgeting, business start-up, for any income level.
Distress Centre: free crisis counselling and connection to social and community services.
"Resources for You" Sheet: Budgeting Issues (printable pdf)