Find out if your financial situation could benefit from some one-on-one coaching.
One-On-One Financial Coaching
When any one of us is going through a difficult financial situation, sometimes we just need to talk our situation through with an objective, unbiased and non-judgmental person to get some perspective.
One of the strengths of the MoneySmart Living program is that employees can take advantage of meeting with a financial coach to discuss their own personal circumstances.
Any employee who attends any MoneySmart Living workshop or webinar can contact us and book a confidential appointment with a qualified financial coach. The appointment is free, confidential and has no impact on the employee’s credit rating. The appointment can be done in person in any of our 21 locations or by telephone, at the employee’s convenience. To book an appointment, simply call 1-888-527-8999.
Here is a short questionnaire that can help you decide whether to book an appointment for some financial coaching. If you answer "yes" to any of these statements, you can most likely benefit from some financial coaching.
Going into debt for these kinds of regular expenses shouldn't be normal. If this is happening to someone, it probably indicates that several things are taking place: they are not following a realistic budget, their debt balances keep growing, and they have less and less money to work with as their minimum payments keep going up. The good news is that both of these situations can be fixed. Credit Counsellors are financial coaches that are highly trained to help people in this area. They can help someone create a budget that actually works and help them put together a plan to get back on track and get out of debt.
If something always seems to be holding you back, then it would be wise to figure out what it is. A well trained financial coach can review your finances with you and help you put together a realistic spending plan. Following this plan should be able to help you make real progress in moving forward. If you also have a lot of debt that's holding you back, they can also help you create a plan to eliminate it within a reasonable period of time. You need to be able to move forward financially so that you can enjoy your life and save for your future. Don't let this problem hold you back any longer.
This is a strong sign that you could use some help with your finances. Well over 90% of the people that our Credit Counsellors help report they were feeling stressed about money before we helped them. 60% of these same people say they immediately felt better after receiving some help. For those that don't feel instant relief, their situations are often more complicated, but everyone can eventually receive peace of mind when they put together a realistic plan to get their finances back on track and address their debt situation. A professionally trained Credit Counsellor can help anyone get started with this.
Losing sleep over finances can be caused by a number of things, but the most common source is debt problems. The good news is that you can put an end to this. We have found that the vast majority of people our Credit Counsellors help with their finances sleep better at night after their very first appointment. There are solutions and ways to tackle or address all sorts of financial problems. You should take advantage of the training and experience of an experienced Credit Counsellor to get your sleep back at night.
This is often a sign of underlying financial problems that fortunately can be addressed. A Credit Counsellor can help a couple put together a realistic spending plan they can both agree on and help them create a plan to get their finances back on a sound footing. We also offer an online workshop as part of the MoneySmart Living program that can help couples identify their money values and get on the same page.
For a budget to truly work, it has to be realistic, cover all your expenses, and set money aside for certain expenses in the future. Credit Counsellors are trained budgeting experts who can help you put together a solid spending plan that can handle the twists and turns of life. They can also probably introduce you to some new concepts and ideas to help you approach budgeting from a fresh, new perspective and help you plan for the types of bumps in the road that are possible in the stage of life that you're traveling through.