This document provides information to help individuals better manage their finances when dealing with a health issue like cancer. It discusses creating a budget to balance costs and limited income. Tips for the budget include setting financial goals, tracking spending, and creating an emergency fund. The document also addresses resources for healthy eating on a limited budget, managing debt, using credit counseling, and understanding consumer rights regarding debt collection. Overall, the information aims to help gain confidence in financial planning and allow a focus on medical treatment and recovery.
This informative and entertaining seminar will show you how to take control of your finances by learning to budget your paycheck - before you spend it.
This informative and entertaining seminar will show you how to take control of your finances by learning to budget your paycheck - before you spend it.
Financial management is a skill that really need to be mastered. This document covers factors that affects our usage of finances, budgeting and debt management.
Author. David Omisi
Society of Grownups has adapted curriculum from four classes—You're a Grownup, Don't Panic: The Basics of Financial Planning; Spending Plans: A Better Way to Budget; Loans & Groans: A Student Debt Workshop; and Can't Get What You Don't Ask For: Negotiating Salary—for self-directed groups to use anytime, anywhere to start those all-important conversations about money. Use this adapted curriculum in tandem with our Circles Leadership Guide (also on Slideshare) with your own group.
Ammad Awan Glasgow is also responsible for ensuring that profitable sales volume and strategic objective targets are met for the assigned key accounts.
About the Webinar: Michelle Colero, Executive Director of Bladder Cancer Canada, will cover the essentials of bladder cancer facts and symptoms while also outlining the support and educational resources provided by Bladder Cancer Canada for those dealing with a diagnosis. Additionally, she’ll share ways individuals can contribute to raising awareness and supporting our community.
About the Webinar: Alcohol is classified as a Group one carcinogen and is estimated to be one of the top three causes of cancer deaths worldwide. Yet, over 40 per cent of people in Canada remain unaware that alcohol consumption increases the risk of developing at least nine cancers. In this presentation, we’ll look at what is and isn’t known about the relationship between alcohol and cancer. We’ll explore what the Canadian Cancer Society is doing to raise awareness of alcohol as a modifiable cancer risk factor, its commitment to funding world-leading research on this subject, and its advocacy for stronger policies that reduce, and increase awareness about the risk of cancer related to, alcohol consumption. Attendees will be invited to seek more information and/or take action on this important topic. We hope you’ll join us in learning more about cancer risk and alcohol — the most commonly used psychoactive substance in Canada.
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Financial management is a skill that really need to be mastered. This document covers factors that affects our usage of finances, budgeting and debt management.
Author. David Omisi
Society of Grownups has adapted curriculum from four classes—You're a Grownup, Don't Panic: The Basics of Financial Planning; Spending Plans: A Better Way to Budget; Loans & Groans: A Student Debt Workshop; and Can't Get What You Don't Ask For: Negotiating Salary—for self-directed groups to use anytime, anywhere to start those all-important conversations about money. Use this adapted curriculum in tandem with our Circles Leadership Guide (also on Slideshare) with your own group.
Ammad Awan Glasgow is also responsible for ensuring that profitable sales volume and strategic objective targets are met for the assigned key accounts.
About the Webinar: Michelle Colero, Executive Director of Bladder Cancer Canada, will cover the essentials of bladder cancer facts and symptoms while also outlining the support and educational resources provided by Bladder Cancer Canada for those dealing with a diagnosis. Additionally, she’ll share ways individuals can contribute to raising awareness and supporting our community.
About the Webinar: Alcohol is classified as a Group one carcinogen and is estimated to be one of the top three causes of cancer deaths worldwide. Yet, over 40 per cent of people in Canada remain unaware that alcohol consumption increases the risk of developing at least nine cancers. In this presentation, we’ll look at what is and isn’t known about the relationship between alcohol and cancer. We’ll explore what the Canadian Cancer Society is doing to raise awareness of alcohol as a modifiable cancer risk factor, its commitment to funding world-leading research on this subject, and its advocacy for stronger policies that reduce, and increase awareness about the risk of cancer related to, alcohol consumption. Attendees will be invited to seek more information and/or take action on this important topic. We hope you’ll join us in learning more about cancer risk and alcohol — the most commonly used psychoactive substance in Canada.
Dr. Rob Rutledge returns for his first webinar of 2024 to discuss the basics behind emotional intelligence. Learn how to develop greater emotional awareness, and learn how to settle fear and frustration. Dr. Rutledge will also share tips on how to live in a more peaceful and connected way as you navigate through your cancer journey.
About the Webinar: Health technology assessment (HTA), the approval process for drugs and healthcare technology, the processes and organizations that support them, such as Canadian Agency for Drugs and Technologies in Health (CADTH), have evolved over the years in response to changing healthcare system priorities and the need to establish their legitimacy. Don Husereau will provide an overview of current processes in Canada, and highlight their perceived (and real) shortcomings and what can be done to overcome these. He will highlight that some perceived weaknesses (such as review times) are not as bad as they appear while perceived strengths (such as stakeholder involvement) need considerable improvement. He will also discuss other opportunities for HTA to innovate and whether there are current plans to address these.
About this Webinar: The time between regulatory approval for new drugs and when drugs became publicly available to patients averaged 736 days (25 months) in 2022. This is double the average time reported in comparable Organisation for Economic Development (OECD) countries. This webinar will highlight variations in drug listing time for new drugs across time, provinces, and type of drugs (oncology vs. non-oncology). It will also present the specific phases involved in moving a drug from approval stage to listing, and the time spent in each. This Conference Board of Canada analysis uses IQVIA’s Market Access Metrics Database (2012 to 2023), which tracks all new products and their indications through the Canadian access journey.
About the Webinar: Learn about pancreatic cancer symptoms, diagnosis, treatment options, statistics, supports and barriers. The presentation will also include some helpful tools that can improve quality of life for those with pancreatic cancer, including the Craig's Cause's PERT (Pancreatic Enzyme Replacement Therapy) calculator and available patient support programs.
As referenced by John Adams in his 2024 CCSN Webinar on the US importing drugs from Canada, this is a slide deck from Health Canada which outlines the timetable and actions taken by the government on this particular issue.
About this Webinar: John Adams takes a dive behind the headlines, news stories and media releases to better understand any real threats to Canadian patients getting the prescription drugs they need.
About this Webinar: We know that methods of eating and diet are a large part of cancer care, but how can you make your diet work for you in your cancer journey? Dr. Rob Rutelege is back to present the latest science around healthy eating and cancer care. In addition, Dr. Rutledge will share the benefits of time-restricted eating, and how you can incorporate it into your daily routine.
Colorectal cancer is the second leading cause of cancer death in Canada, with approximately 24,100 Canadians diagnosed with the disease in 2023. The incidence of colorectal cancer has been declining in Canadians over 50 years of age, largely due to population-based screening programs. Recent evidence has shown, however, that rates have been increasing in adults younger than 50 years. Given that younger adults are typically classified as at low risk for colorectal cancer, this epidemiologic shift is cause for concern.
Individuals under the age of 50 now represent a significant number of colorectal cancer cases. The disease is often being diagnosed at a later stage, and tumour characteristics tend to be more lethal. As for what is accounting for the increasing trend, ongoing research efforts focus on environmental toxicities, lifestyle patterns, and the gut microbiome.
In this webinar, we will present an overview of the current evidence surrounding the rising rates of colorectal cancer in young adults and discuss the unique needs of this patient population, through screening, diagnosis, treatment, and survivorship. A young colorectal cancer patient will share his lived experience in managing this disease and the impact that cancer has had on himself and his family.
About this Talk: This talk will provide a nutritional perspective on the role of diet in cancer focusing on healthy fats known as omega-3 fatty acids. Sources, amounts and types of omega-3 fatty acids will be highlighted. Clinical and experimental evidence in support of a role for omega-3 fatty acids in the prevention and treatment of breast cancer will be presented. Lastly, some practical strategies to support a healthy diet will be shared.
About the Webinar: Genomic testing has already become commonplace in oncology, but exponential growth in more comprehensive genomic tests, other innovative tests and testing approaches in oncology, as well as a number of other therapeutic areas is expected in the coming years. With the emergence of more complex, more expensive, and more promising tests, policymakers and healthcare providers may be challenged to provide these to patients at the pace of innovation. Don Husereau will describe what conditions are necessary for equitable access to advanced innovative testing, how major Canadian provinces are doing, and what more needs to be done in the coming years to benefit all patients.
About this Webinar: This talk will explore breast screening for women 40-49. The benefits and harms for screening will be discussed, as well as what is unique about breast cancer in women in their 40s. In order to understand the controversy around current guidelines recommending against screening women 40-49, we will review the evidence upon which these guidelines are based, and their impact on breast cancer outcomes for these women.
About this Webinar: This presentation will discuss the pathway to pharmaceutical treatments in Canada that involve health technology assessment reviews and decision making. Observations on the current challenges and the importance of patient input to inform decision making will also be discussed. Finally, the key elements that can be critical to successful outcomes will be presented.
About this Webinar: When Canadians turn on the tap for a drink of water or a shower, we take for granted that the water is safe. Few are aware that old asbestos cement water pipes still deliver water to millions of people. As these pipes age and deteriorate, asbestos erodes into the water and poses health concerns, including cancer.
Dr. Meg Sears, Chair of the Board of Prevent Cancer Now, and board member Julian Branch will talk about the history of asbestos in water, the science behind ingested asbestos, and recent developments.
André Deschamps will show the results of the Europa UOMO Euproms studies. These are the first studies ever from patients for patients, measuring the burden of treatment. More than 5000 patients have shared with us their experiences after treatment. The data has been analyzed by the university of Rotterdam in the Netherlands and has been published in peer reviewed scientific papers.
This webinar will serve as an introduction to Cancer and Work, a website that “was designed to address the unique needs of cancer survivors with returning, remaining, changing work or looking for work after a diagnosis of cancer. The website provides newly created information, resources, and interactive tools for cancer survivors, healthcare providers, employers, and highlights helpful information from across the globe.” The talk will include 10 steps to return to work, and job search ideas for cancer survivors
This webinar will have two perspectives.
Jasveen will be presenting about the impact of cancer and treatment on a person’s physical, cognitive & mental health and how an Occupational therapist can work with the person to gradually overcome these challenges to return to work with or without modifications. The presentation will cover some case studies of past success with the opportunity to answer questions at the end.
Then we will hear from Jen who has experienced her own journey with breast cancer and how she advocated for herself and occupational therapy to help her return to full time employment.
About this Webinar: we’ll summarize the findings of a 10-minute online study conducted by Leger among cancer patients who experienced Long-COVID. We identified 119 cancer patients, diagnosed within the past 10 years, who developed symptoms or were diagnosed with Long-COVID. We primarily wanted to understand how Long-COVID impacted cancer patients and their ability to receive treatment. We also asked about the effect on their overall wellbeing, their ability to access Long-COVID treatments and assistance, and the ongoing impact to this day.
About this Presenter: Colette Faust is a Research Director at Leger (largest Canadian-owned market research company) and has 10 years of market research experience, spending the last 3 years in the healthcare industry. As a member of Leger’s North American Healthcare team, Colette has worked on both quantitative and qualitative healthcare research among healthcare professionals, patients, and the general population across a variety of topics including oncology. Colette received her B.A. in Psychology and Media & Communications from Muhlenberg College in Allentown, PA.
Various cancer treatments can impact one’s gut health and digestive system. This presentation will discuss why a healthy gut is important to overall health. We will talk about the roles the gut is involved in beyond just digestion. We will also discuss nutrition strategies that will support our gut health and promote a healthy microbiome.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
2. Have you just been told you have cancer? Or have you
beaten it? You probably have a lot of worries and
concerns.
It’s important to know that you are not alone, and
help is always available. The information shared here
was prepared to help you better understand some
concerns and questions individuals frequently have, in
hope that you can gain the confidence in your
financial planning and better focus your energies on
your treatment and recovery.
This information can vary based on province and
jurisdiction. This presentation is not intended to give
advice but instead to help educate and bring
awareness to the areas listed on the agenda. Please
consult a licensed and approved representative
relating to any matters you wish to seek advice on.
3. AGENDA
BALANCING RISING COSTS AND
LIMITED BUDGET
EATING HEALTHILY, FOOD BANKS, OTHE
RRESURCES IN YOUR COMMUNITY
MONEY MANAGEMENT
DEBT AND CREDIT MANAGEMENT
CREDIT COUNSELLING
CONSUMER PROTECTION
4. BALACING RISING COSTS AND MONEY MANAGEMENT
Why have a budget?
• A budget is a plan that helps you
manage your money, what you have,
spend and save
• A budget can help you balance your
income with your savings and expenses.
• Guides your spending to help you reach
your financial goals.
5. A budget is especially important if
you:
Don't know
where your
money is going
Don't save
regularly
Have challenges
paying off your
debts
Feel
overwhelmed by
your finances
Feel like you’re
not in control of
your finances
Want to make the
most of your
money
Are planning for a
major purchase
or a life event
6. set spending
limits
find ways to
pay down your
debts
reduce costs
and save more
live within
your means
reduce stress
have more
money for
things that are
important to
you
feel in control
of your money
Making a budget can help you:
7. Think about your
financial goals
• Identify your short-term and
long-term goals. Make saving
for those goals part of your
budget.
• For example, goals may be:
Take these simple steps before you make your budget
8. Short-term goals:
Paying off your credit card
Reducing your weekly expenses
Starting to build an emergency fund
Long-term goals:
Paying off all of your debts
Saving to buy a home, a car or booking a trip
Saving for children, education, or retirement
9. THE UNEXPECTED
An emergency fund, enough to cover living
expenses for 3-6 months.
Start small and increase slowly on a regular basis
Will help reduce financial stress and avoid
getting trapped in a debt cycle
10. EXAMPLES OF EMERGENCIES:
car repairs
urgent visit to the
veterinarian
job loss
health problems that
prevent you from working
11. Occasional expenses should already be
planned for in your budget.
Unexpected expenses should not be
confused with occasional expenses such as
school supplies, winter tires or holiday
expenses.
12. Tips to set up an emergency fund
Use the following
tips to set up an
emergency fund.
Open a savings
account
13.
14. Savings Account continued…
You should look for a savings account that:
Is separate from the account you use for day-
to-day transactions
Has no or low transaction fees
Allows you to make withdrawals without
penalty
Generates interest on the money you save
15. Start by saving a realistic amount
• It can take months or years to reach the desired
amount for your emergency fund.
• It’s better to start with a small amount so that
you don’t get discouraged.
• Start by figuring out what you can put aside
every week. Whether it’s $50, $20, $5 or some
small change, the important thing is to start
right now.
16. Figure 1: The progression of various savings amounts
The savings amounts in this example are for illustration purposes only. They
don’t include the interest you may earn or consider any tax implications.
17.
18. Make it a Habit
Incorporate savings into your daily habits.
Incorporate
Try these few tips:
Try
drop any loose change into a container every time you get
home
Drop
create a savings reminder on your smart phone or computer
Create
circle your savings dates in advance on your calendar
Circle
put sticky notes on your desk, mirror, or refrigerator to remind
yourself to save
Put
19. Tips to help you stick
to your budget
Now that you have a budget, try to
stick to it and improve it as you go.
To help you with this task, try the
following:
keep all your
receipts and bills
limit your spending
as much as possible
to what is in your
budget
update your budget
with any changes,
for example, a pay
raise, a bill increase,
etc.
compare your
budget to what you
actually spend at the
end of each month
20. When comparing your
budget to your actual
spending, ask yourself
the following
questions:
are there
large
differences
between
your actual
spending
and your
budget
which categories
have the largest
differences
are
differences
due to an
unusual
situation or
is this likely
to happen
each month
can you save enough
money to reach your
financial goals or pay
off your debts
21. Automate your savings
Choose a savings amount, date and frequency to build your
savings. Then, set up an automatic transfer from your
regular account to your savings account.
You can set up your automatic transfer on the days you get
paid. This way, the amount saved will be transferred as soon
as your pay cheque is deposited into your account.
22.
23. Eliminate an expense and save the amount
Eliminate some expenses and
add these amounts to your
emergency fund. This won’t
affect your current budget
and your fund will grow faster.
To determine the expenses
you can eliminate, identify the
difference between your
needs and wants.
24. To eliminate unnecessary expenses:
bring your lunch to
work instead of
buying it
make your coffee at
home and bring it to
work
use public transit
instead of your car
eliminate one non-
essential food choice
from your grocery list
use discount
coupons, cashback
offers and take
advantage of specials
Depending on your
current habits, you
could save money
every day.
25. EATING HEALTHILY,
FOOD BANKS, OTHER
RESOURCES IN YOUR
COMMUNITY
Using a local food bank
can also be resourceful to
check out, check your
local food bank to get
more info.
Set a budget
Stick to your list
Shop for sales
Compare prices
Stock up
26. DEBT AND CREDIT
MANAGEMENT
Start by identifying what you owe.
Make a list of all your debts.
For each one, note:
the total amount you owe
the minimum monthly payment
the interest rate
27. Your list may include:
mortgages car loans credit cards lines of credit
personal loans student loans payday loans taxes you owe
buy now, pay later
plans
unpaid utility bills
(cell phone,
electricity
television, etc.)
loans from friends
and family
spousal support
and/or child
support you owe
any other unpaid
bill (property taxes,
store financing,
etc.)
28. Review your budget
It can help you:
figure out how
much money you
earn, spend and
save
balance your
income with your
expenses
guide your
spending to help
you reach your
financial goals
A budget is a plan that helps you manage your money.
29. Decide on a strategy
Once you’ve created a list of all your
current debts, start your plan to pay
them off. The types of debt and the
amount of debt you owe will influence
your strategy for paying them off.
Choose a timeframe
Set a payment timeframe that is
reasonable and affordable.
Keep in mind, if interest rates rise, your
monthly payments may increase.
30. WHAT ARE FIXED AND
VARIABLE INTEREST
RATES?
A fixed interest rate
will stay the same for
the term of your loan.
A variable interest
rate may increase or
decrease over the term
of your loan.
31. Dealing with a rise in interest rates
Pay down your debt as much as possible to deal with a rise in
interest rates. If you have less debt, you may be able to pay it
off more quickly. This can help you avoid the financial stress
caused by higher interest rates and bigger loan payments.
32. You can deal with a rise by using these tips:
reduce
expenses so
you have
more money
to pay down
your debt
1
pay down the
debt with the
highest
interest rate
first to pay
less interest
over the
term of your
loan
2
consolidate
high interest
debts, such
as credit
cards, into a
loan with a
lower
interest rate
3
avoid getting
the
maximum
mortgage or
line of credit
that a lender
offers you
4
avoid taking
on
unnecessary
debt with
things you
want but
don’t need
5
avoid
borrowing
more money
as it could
limit your
ability to
save for your
goals
6
find ways to
increase your
income to
help you pay
down debt
7
make sure
you have an
emergency
fund to deal
with
unexpected
expenses,
such as
covering
higher loan
payments to
avoid
penalties
8
33. When a rise in
interest rates could
affect your credit card
or line of credit
payments
There are times when
fixed interest rates on
credit cards or on
lines of credit could
also rise.
34. If you don’t make your minimum
monthly payments by the due date, the
financial institution may increase your
interest rate.
Short-term promotional financing or
deferred interest offers may be another
reason that your fixed interest rate may
increase. Make sure you know how long
an offer lasts so you’re not surprised by
the increase in your minimum monthly
payments once it ends.
Banks and other federally regulated
financial institutions must notify you
before an interest rate increase takes
effect.
35. CREDIT COUNSELLING AND CONSUMER
PROTECTION
If you're having trouble
paying back your debt or
keeping up with your
payments, you may want
to talk to a credit
counsellor. Simply talking
to a credit counsellor
won't affect your credit
score.
36. A credit
counselling agency
can provide a
range of services,
such as:
one-on-one
counselling
group courses, tips
and seminars on
topics such as how
to make a budget
and stick to it or
how to use credit
wisely
debt management
plans
37. Finding a credit counselling agency
Both not-for-profit organizations and for-profit
companies offer credit counselling services.
Do your research to find a trustworthy organization
and a qualified counsellor. Make sure you know
what services they offer and how much it will cost.
38. Research the agency’s reputation
Make sure that the agency is in good
standing with a provincial or national
association. These associations require
members to maintain specific standards
of practice.
Find agencies through these associations:
•Credit Counselling Canada
•Canadian Association of Credit
Counselling Services
•Canadian Association of Independent
Credit Counselling Agencies
•Ontario Association of Credit
Counselling Services
39. In Quebec, budget and credit counselling
services are often offered by Associations
coopératives d’économie familiale (ACEFs).
For more information, visit:
•Coalition des associations de consommateurs
du Quebec (CACQ) (in French only)
•Union des consommateurs (in French only)
40. Find out if there have
been any serious or
unresolved complaints
about the agency. This
includes late payments
to creditors or false
advertising.
Check for complaints
about the agency with:
the Better Business
Bureau
l'Office de la protection
du consommateur
(Quebec)
41. Look carefully at the agency’s advertising
Be cautious. If it sounds too good to be true, it probably is.
Some agencies or companies may claim or misrepresent that they:
can solve your debt problems quickly for only a fraction of your debt
can quickly and easily fix your credit score
offer services as being part of a government program
42. Keep in mind:
you may still need to pay fees even if
your creditors refuse to negotiate or
make a deal to settle your debt
• improving your credit score will take time
• you have to show your creditors that your habits have improved and that
you're paying back your debt on time
it’s impossible to change or erase
information that’s part of your credit
history, unless information is inaccurate
agencies or companies should never try
to coerce you into using their services
(be wary of any credit counsellors doing
this)
• ask them to confirm that the company’s representation is genuine
if you’re not sure a company is part of a
government program, contact the
government department or agency that
is responsible for the program
43. Debt management plans
You can sign up for a debt management plan
through a credit counsellor.
A debt management plan is an informal proposal
your credit counsellor makes to your creditors on
your behalf. It allows you to consolidate your
debts into one affordable monthly payment. In
some cases, you may not have to continue to pay
interest on your debt. You'll usually have to repay
100% of your debts.
Before you enroll in a debt management plan,
you’ll meet with a credit counsellor. The credit
counsellor will assess your situation, help you
make a budget and give you some tips about
dealing with your debt.
Double check with your credit counselor if this
will affect your credit score and read the
disclosures/agreement carefully
44. The Financial Consumer
Protection Framework: enhanced
protection for bank customers
Banks’ sales practices are held to
a higher standard.
Products and services that are
appropriate for your needs
Your bank must offer and sell you
products or services that are
appropriate for your needs.
They must collect and assess
information to understand your
financial needs. This will help
them get to know you and
provide you with products and
services that reflect your
circumstances.
They also must tell you if they’ve
assessed that a product or service
isn’t appropriate for you.
45. Debt collection: know your rights
What happens when your debt is
sent to a collection agency
You'll usually receive a notice in
writing before a collection agency
contacts you to collect the debt you
owe.
The written notice should include:
•the name of debt collection agency
•the name of the person or business
that you owe money to
•the amount that you owe
46. Steps to take when you receive a notice that your debt is
transferred to a collection agency
If you receive a notice that
your creditor will transfer
your debt to a collection
agency, contact your creditor
as soon as possible.
You may be able to:
pay a portion of the amount
or the full amount owed to
avoid having the debt
transferred to collections
make alternate
arrangements with your
creditor to pay back your
debt
Get information and tips on
what to do when you contact
your creditors to help reduce
your debt.
charge you more for rent
employers may not hire you
47. What happens to your credit score
Once your creditor transfers your
debt to a collection agency, your
credit score will go down.
A low credit score means:
•lenders may refuse you credit or
charge you a higher interest rate
•insurance companies may charge
you more for insurance
•landlords may refuse to rent to
you or
•Employers may not hire you
48. What to do when a debt collector calls
Make sure to ask for
and write down the
following
information:
the name of the
person calling
the company the
debt collector works
for
the name of the
company the debt
collector is
collecting money for
the debt collector’s
telephone number
Ask for details on
the debt, such as:
the amount you
owe
who you owe it to when it’s due
49. When a debt collector can contact
you
A debt collector can only contact
you at the following times:
Monday through Saturday
between 7:00 a.m. and 9:00 p.m.
Sundays between 1:00 p.m. and
5:00 p.m.
A debt collector can't contact
you on holidays.
50. WHAT A DEBT COLLECTOR CANNOT DO:
A debt collector can't do the following:
•suggest to your friends, employer, relatives or
neighbors that they should pay your debts, unless
one of these individuals has co-signed your loan
•use threatening, intimidating or abusive
language
•apply excessive or unreasonable pressure on you
to repay the debt
•misrepresent the situation or give false or
misleading information
•call you on your cell phone, unless you've
provided that number as a way to reach you
A debt collection agency can't add any collection-
related costs to the amount you owe other than:
•legal fees
•fees for non-sufficient funds on payments that
you submitted
51. Resourceful links & info referenced from:
- https://www.canada.ca/en/financial-consumer-agency.html
- https://prospercanada.org/
- https://www.vancity.com/AboutVancity/InvestingInCommu
nities/StoriesOfImpact/FinancialLiteracy/EachOneTeachOne
/
- https://www.getsmarteraboutmoney.ca/ (Provincial
reference for Ontario and some federal referencing)
- https://creditcounsellingcanada.ca/
52. Making a complaint about a
collection agency
If you feel that the debt collector you're dealing with isn't respecting
your rights, contact the appropriate regulator.
If you're dealing with:
•the debt collection department of a federally regulated financial
institution
•a debt collection agency hired by a federally regulated financial
institution
Contact the Financial Consumer Agency of Canada.
If your creditor sold your debt to a collection agency and you want to
make a complaint about the agency’s debt collection practices.
Contact the consumer affairs office of your province or territory.
53. Canadian Cancer Survivor Network
Contact Info
1750 Courtwood Crescent, Suite 210
Ottawa, ON K2C 2B5
Telephone / Téléphone : 613-898-1871
E-mail: jmanthorne@survivornet.ca or info@survivornet.ca
Website: www.survivornet.ca
Twitter: @survivornetca
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