“I want to talk to my friends and family about money but don’t know how to start!” November is Financial Literacy Month and the focus this year is “Money on your Mind. Talk about it!” Last week we wrote about three questions to ask yourself: What is worrying me most
We have formed a list of programs and organizations offering a Christmas Hamper or a Christmas Meal in Grey Bruce for low-income families/ individuals. Please help spread the word as hamper signup deadlines are QUICKLY approaching. Most of the hamper programs also administer and take registration for toys, when applying
November is Financial Literacy Month! It is an opportunity to learn about our own finances and reflect on our goals. The goal this year is to encourage people to talk about money. For most people, talking about money isn’t something they were encouraged to do while growing up and can
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What is the Winter Disconnection Ban? Every year, during the winter months, hydro and gas utilities cannot be disconnected from homes. The Winter Disconnection Ban starts on November 15th, 2024, and ends on April 30th, 2025. Homes with suite meters can be disconnected. If you receive a Disconnection Notice, you
On our Financial Friday posts, we usually talk more directly about money. Today, I want to talk about something slightly different. Legal issues impact our finances in so many ways. Whether it is minimum wage rates, spousal and child support, scams, taxes, or discrimination, the steps forward to deal with
How can I improve my credit score quickly? You can’t. It takes time and consistent work to improve your credit score over time. In Canada, there are two credit bureaus, TransUnion and Equifax. They are companies that collect information on how individuals use credit products, ie. credit cards, loans, utility
Budgeting can seem daunting, overwhelming, and scary. People have strong reactions to the word budgeting. How often was money talked about in your family? Where are these calm, straightforward, realistic conversations? Not in my house. Many people manage their money based on their emotions and thoughts. This can be useful
The Ontario Disability Support Program (ODSP) is a monthly income program for people with disabilities. The amount someone gets each month is based on a formula: Basic Needs Allowance + Shelter Allowance. For a single adult, the Basic Needs Allowance amount is $786/month. The Shelter Allowance is based on the
Debt comes in two forms, secured and unsecured. Secured debt means there is a physical thing that can be taken if the debt payments are not made. If you have a house and don’t make your mortgage payments, the house may be taken away from you. If you have a
