Saint-Augustin-de-Desmaures
Explore Fast Debt Solutions
Saint-Augustin-de-Desmaures, debt help, Quebec
Saint-Augustin-de-Desmaures, near Quebec City, combines urban and rural living, ideal for families. With challenges in managing finances despite a high average income, residents face rising costs in housing and essentials. Limited local support programs and a deficit in government funding hinder job stability, particularly in tech and security fields, complicating debt relief efforts for those struggling financially.
City: Saint-Augustin-de-Desmaures
Province/Territory: Quebec (QC), Canada
Est. Population: 19,907
Financial Challenges
Living in Saint-Augustin-de-Desmaures can be tough if you’re having money problems. Even though the average income is pretty high, things like rent, groceries, and transportation can still take up a lot of your money. Since the city spends a lot on health and education, there might not be as many services or support programs available to help people who are struggling to make ends meet. This means you might have to manage with limited resources and find ways to stretch your budget.
Working in the city might also present challenges. While there are new jobs being created in areas like technology and security, these opportunities may require specific skills or education that not everyone has. If you don’t qualify for these jobs, finding work that pays enough can be difficult. Additionally, with the government facing a big deficit, there might be fewer investments in local businesses, making it harder to find stable and well-paying jobs. All these factors can make it hard to live comfortably if you’re dealing with financial issues in Saint-Augustin-de-Desmaures.
Debt Relief Solutions Available
Financial Planning
You are creating a detailed plan to manage your finances, including budgeting, setting financial goals, and saving for future needs. It's about gaining control over your money, making informed decisions, and reducing the likelihood of new debt.
Find out more about Financial PlanningDebt Management Plan
Pay off your debt through consolidated payments and sometimes lower interest rates. In a Debt Management Plan (DMP), a credit counselor works with creditors to negotiate terms that make your debt more manageable, resulting in a single monthly payment.
Find out more about Debt ManagementDebt Consolidation
Combine multiple debts, such as credit card balances and personal loans, into a single loan with a lower interest rate. This can simplify your payment process and reduce the total interest charges over time, making it easier to pay down your debt.
Find out more about Debt ConsolidationDebt Settlement
Negotiate with your creditors to reduce the amount you owe in exchange for a reduced lump-sum payment. Creditors are willing to write off the debt because they receive immediate payment. Typically, these negotiations are handled by debt settlement companies.
Find out more about Debt SettlementConsumer Proposal
A consumer proposal is a legally binding agreement between you and your creditors to repay a portion of your debt over an extended period. Administered by an LIT, the proposal will outline a fixed monthly payment plan you can afford.
Find out more about Consumer ProposalsBankruptcy
Personal bankruptcy is a legal process that relieves individuals who cannot repay their debts. It involves erasing most of your unsecured debts and giving you a fresh financial start, but it also has a long-term impact on your credit rating.
Find out more about Bankruptcy*Illustration of Saint-Augustin-de-Desmaures, Quebec
Debt Data
This table includes estimates on the number of residents who are experiencing financial stress situations. You are not alone.
Item | Description | Estimated |
---|---|---|
Living paycheck to paycheck | Number of residents who are living paycheck to paycheck | 9,356 |
Living in poverty | Number of residents who are living in poverty | 2,210 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 217 |
Insolvencies | Number of residents who filed for insolvency | 50 |
Consumer proposal | Number of residents who filed for a consumer proposal | 38 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 12 |
The estimates above are based on the following ratios living paycheck to paycheck rate (47%), poverty rate (11.1%), delinquency rate (1.09%), insolvency rate (0.25%), consumer proposal rate (0.19%), personal bankruptcy rate (.06%) from the following sources leger360.com, statcan.gc.ca, consumer.equifax.ca and is, d-isde.canada.ca.
Elimiate up to 80% of Your Debt
High cost of gas, high cost of groceries, high lending rates, low salary - being in debt is not your fault! See if you qualify for government debt programs and get out of debt today!
Areas / Neighbourhoods
Saint-Augustin Village
The historic heart of the city, Saint-Augustin Village is known for its quaint, charming streets and a blend of residential and commercial spaces. It features beautiful heritage buildings and offers a variety of local shops, eateries, and community services.Les Éboulements
This picturesque area is characterized by its lush landscapes and scenic views. It is popular among families and nature lovers, providing access to parks and recreational activities. The neighborhood fosters a close-knit community atmosphere.Le Domaine des Érables
A modern residential neighborhood known for its spacious homes and green spaces. Le Domaine des Érables is ideal for families seeking a quieter lifestyle while still being close to urban amenities. The area promotes outdoor activities with well-maintained parks.Lac Saint-Augustin
This area surrounds the beautiful Lac Saint-Augustin, offering stunning waterfront properties and recreational opportunities for boating, fishing, and hiking. The picturesque setting makes it a popular location for those seeking a serene environment.Cité des jeunes
A vibrant community aimed primarily at younger residents and families. It features various schools, sports infrastructures, and proximity to recreational centers, making it a dynamic neighborhood with an active lifestyle.Les Jardins de Saint-Augustin
Known for its family-friendly atmosphere, this neighborhood features well-planned parks and community spaces. It also has a variety of amenities, including shopping centers and educational facilities, catering to the needs of young families.
Illustration of Saint-Augustin-de-Desmaures, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Augustin-de-Desmaures, Canada to help understand the financial requirements for different living situations.
Item | Description | Average Cost |
---|---|---|
Housing (1BR) | Monthly rent for a 1-bedroom apartment | $1,270 |
Housing (2BR) | Monthly rent for a 2-bedroom apartment | $1,750 |
Average Home Price | Average price to purchase a home | $502,000 |
Utilities | Monthly cost for electricity, heating, water, and garbage | $200 |
Food (Single) | Monthly grocery cost for a single person | $300 |
Food (Family) | Monthly grocery cost for a family of four | $850 |
Healthcare (Rx) | Monthly cost for prescription medications | $35 |
Healthcare (Dental) | Monthly cost for dental care | $200 |
Healthcare (Vision) | Monthly cost for vision care | $225 |
Transportation (Public) | Monthly cost for public transit | $1,270 |
Transportation (Car) | Monthly cost for car ownership | $550 |
Childcare (Daycare) | Monthly cost for daycare | $650 |
Childcare (After-School) | Monthly cost for after-school programs | $300 |
The cost of living data is based on provincial averages and may differ between cities, towns, and rural areas.
Top Questions
- What is the cost of living in Saint-Augustin-de-Desmaures compared to other cities in Quebec?
- What are the average housing prices in Saint-Augustin-de-Desmaures?
- What financial assistance programs are available for residents of Saint-Augustin-de-Desmaures?
- How does the job market in Saint-Augustin-de-Desmaures compare to nearby cities?
- What are the main economic sectors contributing to Saint-Augustin-de-Desmaures’ economy?
- What are the average household incomes in Saint-Augustin-de-Desmaures?
- What financial challenges do residents of Saint-Augustin-de-Desmaures commonly face?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Saint-Augustin-de-Desmaures is a charming suburb located near Quebec City, known for its beautiful parks and close-knit community. With a population of about 20,589, it offers a blend of urban and rural living, making it a popular choice for families and individuals alike. The city has a strong focus on innovation, especially with initiatives like the Inno-Techno Security zone that support technological advancements and local businesses. The area is also home to diverse recreational activities, including sports facilities and trails, which contribute to an active lifestyle for residents. Overall, it provides a pleasant environment with a variety of services and amenities to enhance the quality of life for its inhabitants.
Elimiate up to 80% of Your Debt
High cost of gas, high cost of groceries, high lending rates, low salary - being in debt is not your fault! See if you qualify for government debt programs and get out of debt today!