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Here are some financial tips to help you deal with the reduction or loss of income. Budget and Plan for the Year Ahead Consider where your money is going and how your priorities might change for the time being when your income is down. This will help you establish a realistic budget for the future. A CDSPI Investment Planning Advisor* can review your current situation and your financial plan to help you determine if you are making the right decisions. Consolidate debt The budget you create will allow you to see how much you owe and how much you pay in interest each month. As a dentist, your profession, combined with a good credit score, could allow you to reorganize your debts in order to make lower payments. An investment planning advisor can work with your bank to discuss your practice loan, the possibility of refinancing your mortgage, or consolidating your debt to lower your monthly payments. Save on the essentials Take a look at your expenses and assess what you can do without. Consider finding something similar that costs less or, perhaps, is free. These expenses can be books, magazines, subscriptions or gym memberships. Many expenses are part of larger bills. Review your cable TV, internet, and cell phone plans, then contact providers to determine how to lower your monthly bill. Consider converting future bills, such as your annual insurance premiums, into smaller monthly payments to increase your short-term cash flow. Reduce expenses Shopping online and ordering meals are two common ways to spend a lot of money. When shopping, stick to the basics, support the locals whenever possible, and be able to separate your needs from your wants. Rewarding yourself occasionally can help you stay motivated. Cooking at home is also a way to cut costs. This way you can also control the ingredients you use, which means you can reduce salt, fat and sugar, and have better portion control. This will allow you to save money while improving your health. Engage staff and family in discussions Consider talking about financial changes and updates, at work with staff and at home with family. As a business owner and/or parent, the instinct is often to take on this burden alone. However, by discussing with the staff the necessary reductions to be made (including those affecting their salaries), you demonstrate transparency and let them know that they are not alone, that this is a common fight. Similarly, reducing children's child benefit is a great opportunity to teach them a little lesson in life and finances, reminding them that life has its ups and downs and that you are together in this ordeal as a family. Learn more about government benefits Depending on your current financial situation, you may be eligible for various government benefits. We are happy to provide you with regular updates from MNP. You can get more information by visiting cdspi.com/en/covid-19-en . Seek professional advice Proper advice makes all the difference. A CDSPI investment planning advisor can help you create a financial plan if you don't already have one, or provide an objective critique of your current plan. As our advisors are not paid on commission, you can be assured that the advice you receive is always in your best interest. And because CDSPI is a member benefit of your dental organization, there's no cost to you