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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

We believe that financial literacy is a cornerstone of personal and community well-being. This year alone, our Financial Literacy Program has reached over 200 people, and since the onset of the COVID-19 pandemic, we’ve supported more than 1,000 people in their journey toward financial stability. These milestones underscore the importance

✨ From now until October 6th, you support local communities in Bruce & Grey when you visit your local LCBO! ✨ At the register, you’ll have the chance to donate, with 100% of your contribution staying right here in our community to support vulnerable individuals. A huge thank you to

When I meet with people to talk through their expenses, income, assets, and debts, I have some standard questions I ask. When it comes to their hydro bill, I ask if they have the Ontario Electricity Support Program credit on their hydro bill. Most people are not sure if they