The Personal Finance Show

The Personal Finance Show is a place for people to tell their personal finance stories. Everyone has a personal finance story.

86 - Stacy Yanchuk-Oleksy

June 13th, 2019

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Stacy Yanchuk-Oleksy wants you to see a non-profit credit counsellor if you have credit problems.

Stacy is Director of Education and Community Awareness at the Credit Counselling Society.

If you’ve listened to episode 76 of the show, you know that I had credit problems 11 years ago. I filed a consumer proposal with a licenced insolvency trustee, under the Bankruptcy and Insolvency Act of Canada.

My case was severe so I skipped the first step that many take and that’s going to see a credit counsellor first to discuss options.

There are a lot of great people out there looking to actually help you get out of debt.

Whether you see a counsellor or a trustee, most will help you make the right move for your debt situation.

As Stacy and I discuss in the interview, just make sure that you don’t pay anything upfront for debt solutions and don’t just click on the first link in the online search.

There are websites and companies that appear to be offering debt settlement solutions, but they are just payday lenders in disguise.

Make sure you find out about the company that you’re dealing with. The legitimate trustees and non-profit credit counsellors have nothing to hide. They have names of staff and locations and they are active on social media.

Stacy is very proud of the free workshops and educational resources that the Credit Counselling Society provides in order to try to prevent Canadians from getting into unmanageable debt in the first place.

The most important thing to me is that you know what your options are when you’re in trouble. And I fully recommend you take advantage of free consultations with as many organizations as you can handle. Go meet them in person and talk to them about solutions. Everyone’s situation is different and the more information you have from multiple sources, the better you will be at determining which solution works for you and more importantly, the one you can live with.

Stacy joined me in the studio in Hamilton to tell her personal finance story.

NEXT EPISODE

87 - Robert Farrington


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85 - Shanah Bell

June 6th, 2019

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Shanah Bell wants you to lead a happy, unorthodox life.

You can be successful without following the traditional 9 to 5 career path option. It’s true.

But to get there, you have to be open to opportunity and change, and sometimes you have to be a bit of a PITA, which I recently learned is an acronym for Pain In The Ass.

In fact, Shanah’s new book is called The Art of Being a PITA. It guides new adults and recent college graduates through the ins-and-outs of living life the way they want to. The way that no one talks about.

As she tells it, most people believe you are a pain in the ass if you do things that are contrary to societal norms. For example, if you don’t follow this checklist: 9 to 5 job, marriage, house, kids, work until 65, retire and then finally do what you want, society is like, stop being a pain in the ass and just do what the rest of us are doing.

Shanah’s path is a bit different. She figured out how to do many, many different things for money, on her own terms.

Because this show is about her personal finance story, we didn’t spend a lot of time delving into the 56 jobs Shanah has had, but if you’re interested in the details, pick up a copy of the book, where she goes through each job and the lessons she learned from each one.

Since she wrote the book Shanah has added 4 more jobs: dog boarding, cooking classes, AirBNB, and, of course, author.

Shanah joined me from her home in Raleigh, North Carolina to share her personal finance story.

NEXT EPISODE

86 - Stacy Yanchuk-Oleksy


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Click here to become a patron of The Personal Finance Show via Patreon


To register for my next available personal finance webinar click here.