This is the time to consider getting a new consolidation loan, refinancing your mortgage for a lower rate and longer term or even asking your banker if you can look at adjusting your student debts or other personal loans. – Saltwire

Dear Money Lady,

I am out of work now and so is my partner. I don’t think I can make my mortgage payment. My bank said I could put my mortgage on hold for a couple of months – do you think that is a good idea?

Frank and Jess

Dear F&J –

Yes, I do!

Today, the majority of people live paycheque to paycheque, and worrying about personal finances can create a lot of anxiety, especially with the coronavirus pandemic. Most

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