A column by Margaret H. Johnson. As featured on MyTelus.com and Shaw: Finance.
Margaret H. Johnson ACE, RQIC, has over 35 years of financial industry experience in both lending and collecting. She is an Accredited Insolvency Counsellor, Registered by Industry Canada.
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Margaret Johnson's Latest Blog Posts
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The Five Principles of Financial Planning
Most of our clients at Solutions come to us with a challenging financial status, in need of help and counselling. We have a very thorough and successful approach and we work through the nitty-gritty with each case giving our personal attention. Many people struggle with knowing where to start in building a strategy in financial planning – we definitely help you with that, but it’s important to highlight where to begin: back to the basics and start from ground zero with the five principles of financial planning. I can’t tell you how many people have that A-ha! moment once they realize how manageable their money and spending can be.
1: Goals must be identified before they can be achieved.
For most of us, it is… -
Who Is In Charge? You or Your Debts?
The Answer Is Budgeting
Budgeting is not as complicated as it appears. Like most things, it takes a little practice, but once you start off on the right foot with the right plan and stick to it, it becomes second nature. The number one rule: you must be honest with yourself. What are your needs and wants? Do you even know? These are important questions to ask. Being realistic and thorough is the only way a successful budgeting strategy will work.
That may sound fairly basic and maybe even easy, and it can be, but budgeting involves more than just arithmetic. It takes determination. People experiencing financial difficulties need objective, unbiased, neutral information when it comes to money and debt. This is why I do what…
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