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1 in 4 Canadians Can Only Afford the Minimum Payment on Their Credit Card

  Published August 24, 2026 · Canadian Money Brief A new survey from Equifax Canada puts a hard number on something a lot of us have felt creeping up all year: credit cards are doing more of the heavy lifting in Canadian budgets, and fewer people are paying them off. Of more than 1,500 Canadians surveyed, a quarter said they expect to make only the minimum monthly payment on their credit card, and another 7% think they'll fall behind entirely. That leaves just over half — 56% — who expect to pay their balance in full each month. The survey also found that 40% of respondents are spending more overall than they were a year ago, more than double the 18% who say they're spending less. Nearly 3 in 10 said they're leaning more heavily on credit cards to cover essentials like groceries and utilities, and close to a quarter are dipping into savings to keep up with everyday costs. More than a third have cut back on contributions to savings, investments, or education funds to make ro...
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Endless Twilight: Life in Canada’s Polar Night



As winter deepens across Canada’s Arctic, communities in the far north are entering the long stretch of polar night—a period when the sun disappears below the horizon for weeks or even months. In towns like Tuktoyaktuk, Inuvik, and Pond Inlet, daylight fades into a dim twilight, replaced by star-filled skies and the shimmering aurora borealis.

For residents, the polar night is both a challenge and a tradition. Daily routines adapt to the absence of sunlight, with artificial light guiding work, school, and social life. Mental health and energy levels can be tested, but many embrace cultural practices, storytelling, and winter festivals to stay connected. Hunters and fishers continue their work under moonlight, while scientists study the unique effects of prolonged darkness on ecosystems and human health.

Though the sun will not rise again until late January or February, the polar night is more than darkness—it is a season of resilience, beauty, and community spirit. For those who live there, the Arctic’s endless twilight is a reminder of nature’s extremes and the strength required to thrive within them.


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