If you are not saving anything each month then you may have to review your budget.
Saving towards annual expenses or the unexpected is vital if you want to stay in the process. After all you can’t just get credit to deal with those things any more.
When you first begin debt review your Debt Counsellor will have suggested an amount to set aside each month toward such costs. But over time, things change so you need to keep on top of this aspect of your budget.
Feel free to ask your Debt Counsellor for some advice.