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With the new year around the corner, many Montrealers are reflecting on this past year and are starting to think about any resolutions that they may have for 2021. For many, that likely includes speaking to a financial advisor for guidance when it comes to all things money-related.

Editor's Choice: Here's How Quebec Plans To Deal With People Who Still Gather At Christmas

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If you've ever struggled financially or if you've been living paycheck to paycheck, you can at least take comfort in the fact that you are not alone.

According to a recent poll from the Canadian Payroll Association, nearly half of Canadian workers (48%) would be completely screwed if they missed even a single paycheck.

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Canada isn't doing so well right now, at least when it comes to the economy. Yes, we're enjoying a new height of international popularity (thanks Justin!) but here at home, the entire country is in debt. And the money the country, and even specific cities owe is quite staggering.

On a national level, Canada's total debt is going to rise to $648.7 billion by the close of this fiscal year, reports CBC. Divide that number by Canada's total population, and everyone living in the country is in debt around $17,995.

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Everyone who lives in Quebec realizes that we're in a bit of trouble. The corruption, the crumbling infrastructure, the disappearing businesses and of course, the debt.

But how bad is the debt exactly?

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A Montreal man on Facebook is very upset with the way Hydro-Quebec has been harassing his mother. It seems the government owned utility company has no sympathy for late payments, not even when the person who's supposed to make the payment is dead.  Apparently being dead isn't a good enough excuse so as a heads-up, if any of you are planning on dying in the next little while, you'd better make sure you make pre-arrangements to pay your hydro bill.

Jesse's father died on May 26, a few days later he and his mother got a letter in the mail threatening them because they still owed $377.38. If they did not pay, then a debt collector would be sent to recover the amount owed.

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Your wallet is empty, your fridge is barren, and you haven't done laundry in a month. Your nightmares are made up of student debt and rent money. To put it simply, you're broke. But it's okay because so is the rest of Montreal. And let's be real: we've all said some of these things at least once.

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