When it comes to financial stability, Canadians are divided almost down the middle. According to a recent Ipsos survey, more than half of Canadians are within $200 per month of not being able to pay out their bills. Essentially, this means that if these Canadians brought in $200 less per month, they would likely be in debt.\nREAD ALSO: This Spectacular Gorge Is Only A Few Hours Away From Toronto\n$200 does not offer sufficient wiggle room for most Canadian citizens. One commenter put this into perspective by pointing out that an extra hydro bill is all it would take to push someone into debt.\nBut those with anything left over are still in a better position than 31 per cent of survey participants, who claimed they already do not earn enough to meet their debt obligations. 10 per cent also claimed that they have less than $100 left over each month after paying for their commitments.\nMNP, the accounting firm overseeing the survey, attributes the problem to the increased amount of loans that Canadians have been taking on, particularly credit card and car loans. Household debt has also reached an all-time high - above 167 per cent of diposable income in the fourth quarter of 2016.\n"There is an unquestioned attitude that living in debt is normal," said Lana Gilbertson, an insolvency trustee for MNP. "Many are in denial, believing that they can manage their growing debts. Others don't know where to go for help or are afraid to address their debts head on."