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“Budgeting doesn't mean having less, it means doing more with what you have!!” 
No one ever expects to find themselves in financial difficulty, but the fact of the matter is life brings with it unforeseen circumstances: job loss, disability, new house, new baby, decrease in income and separation or divorce, etc, making it important and vital to have an emergency fund.
It is recommended to have 8-10 months of living expenses as this is the average length of time people are unemployed. This could be as simple as having a freezer full of food or one or two month’s worth of mortgage payments in the bank. Don’t get discouraged, start small, check with your financial institution; you may be able to skip a mortgage payment without any penalty to your credit rating. The idea is to give you some time to rebound from these occurrences.
If you feel like your skills in money management are inadequate, and you would like to learn more about debt prevention or more specifically budgeting you need look no further.
Our certified credit counsellors hold hour and a half budgeting workshops. Please contact us today for more information on workshops in your area.
Here’s how our attendees are rating our presentations/ workshops.
“This presentation opened my eyes. I wish I heard the information years ago. I think it’s great!”
“Keep holding these presentations. It’s an inspiration to all”
“The presenters approach was very comforting. There was a message of hope which I really appreciated”
“The presentation was fun, not depressing. A real eye opener”
Click here to view the dates for our Free Presentations!
