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What should your financial goal be for 2012? Get that debt to zero Add to ...

Canadians are more indebted than ever before, leaving themselves in a vulnerable financial situation. Rob Carrick says that's exactly why Canadians need to make 2012 the year they pay down their debts. He suggests that those with mega credit lines and big credit-card balances forego contributing to their RRSP or TFSA in order to wrestle with their debts - before our low interest rates begin to rise.

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Globe and Mail personal finance columnist Rob Carrick talked to our readers about ways to wrestle down debt in 2012 during an online discussion on Thursday, Dec. 15.

For a mobile version click here.



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