While debt is a four-letter word, it doesn't feel like a bad word. Most businesses and families couldn't operate without using debt at some points in their lives. While it is a modern necessity, it does come with some serious consequences if you accidentally make expensive decisions along the way. Debt is a financial power tool. It helps us accomplish things significantly faster, including things we couldn't otherwise do at all. Like any power tool, its power is also its danger. If you learn how to use it properly and take all safety precautions, most power tools will be worth using. But if you wing it, you could get badly hurt.
In this session, join Stephanie Holmes-Winton, and Michael Angiletta to learn all about debt-management strategies that can prevent debt mistakes and keep you on track. We’ll delve into debt as it pertains to both your business and personal finances, and review various solutions and easy-to-apply concepts that you can use right away.
Join us to learn:
✔️ How to use behaviour-based concepts to reduce the total cost of debt
✔️ How to track your debt-to-income number, and what it means for your financial health
✔️ Common debt mistakes that could cost you thousands
✔️ How to use what you learn before you make your next debt decision
Who should attend this session?
⭐ CanGift members and their staff
⭐ Business owners
⭐ Management and leadership
⭐ Frontline staff
Stephanie Holmes-Winton is the CEO and Founder of CacheFlo. The concepts that CacheFlo’s products are based on were developed during her decade working as an independent financial advisor from 2001 to 2011. She then sold her practice and took her concept to start a training program for other advisors.
In 2013, Stephanie launched the Certified Cash Flow Specialist designation program (which qualifies for 31 FP Canada-Approved CE Credits). Soon after came the original version of the professional cash flow planning software. Stephanie has written two books on spending and debt: Defusing the Debt Bomb, and $pent. She’s also been a regular contributor in media, including CBC Radio and CTV, and her advice has been featured in publications from coast to coast.
I am closeted Food Network fan! Love to cook, mostly Italian dishes DUH. I am dying to get a wood burning oven for my backyard! I watch Youtube videos on cooking in these types of oven... and yes, it is more than for Pizza!
I love coffee, double espresso short and black - kind of like me, double and short, more like an olive colour? Never put sugar in my coffee, and a shot of steamed, NEVER microwaved, milk can pass for a macchiato.
My wife loves and hates what I do. She loves me in a group setting when people ask my a bunch of questions, and then she hates when they keep asking me a bunch of questions. She hates nights and weekend when I work, except when it is for conferences at fancy hotels she can tag along.
Luca loves basketball, poor him that he has a dad 5'6" and he is already 4'11 at 10 years old, not much I can show him there.
My lovely daughter Mia loves gymnastics, I can show her even less there. Just can cheer her on!
I love our family dog, Dolce, like a stomach-ache, and she loves me most, always follows me around. Sophie, my wife, gives her so many treats, and she could not care less about her... (just kidding!)
I love what I do, it allows me to have the messy, crazy personal life I call family. It allows me the time, most of the time, to be there for my family... and sometimes they must sacrifice too for my dreams.
Les Brown said, "Help enough people achieve their dreams, and you will too." I guess I haven't helped enough people yet, I still have some work to do!
