[et_pb_section fb_built=”1″ next_background_color=”#e7dff3″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/educational-workshop_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_center” background_position_phone=”top_center” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Educational Workshops<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Financial topics presented in a fun and interactive environment.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”#financial-edu-form” button_text=”Get in Touch” button_alignment=”center” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”uperform-section” _builder_version=”4.21.0″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”0px||28px|||” da_popup_slug=”uperform-section” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.27.4″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_margin=”||50px|||” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
The Credit Counselling Society is committed to helping Canadians improve their money management skills and learn how to use credit wisely.<\/p>\n
Our education team serves communities in Alberta, BC, Manitoba, Saskatchewan and Ontario through:<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#e7dff3″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”145px|||||” top_divider_style=”ramp2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
To learn more about the workshops and webinars we offer click on one of the links below.<\/p>\n<\/div>\n<\/div>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Learning Hub” url=”https:\/\/nomoredebts.org\/financial-education\/online-courses” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_purple.png” alt=”webinar_icon_green” _builder_version=”4.23.4″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_green.png” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d”]<\/p>\n
On-demand personal finance videos and modules at your fingertips.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Public Webinar Schedule” url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/webinar-schedule” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/attend-your-appointment_icon_purple.png” alt=”Attend Your Appointment Icon” content_tablet=”<\/p>\n
A complete schedule of free online webinars (hosted on MyMoneyCoach.ca).<\/p>\n
” content_phone=”” content_last_edited=”on|desktop” _builder_version=”4.19.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” link_option_url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/webinar-schedule” global_colors_info=”{}” image__hover_enabled=”on|desktop” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/attend-your-appointment_icon_green.png” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d”]<\/p>\n
A complete schedule of free online webinars.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Workshop & Webinar Topics” url=”\/financial-education\/financial-workshops-webinars\/topics” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/separating-needs-from-wants_icon_purple.png” alt=”Careers icon purple” _builder_version=”4.19.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” body_text_align=”center” link_option_url=”\/financial-education\/financial-workshops-webinars\/topics” global_colors_info=”{}” image__hover_enabled=”on|desktop” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/separating-needs-from-wants_icon_green.png” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d”]<\/p>\n
A full list of topics covered in our workshops and webinars.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Post Secondary Students” url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/workshop-webinar-topics” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/graduation_icon_purple.png” alt=”Graduation Icon” _builder_version=”4.22.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” text_orientation=”center” link_option_url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/workshop-webinar-topics” global_colors_info=”{}” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/graduation_icon_green.png”]<\/p>\n
Helping students stay focused on their studies by developing a budget.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Financial Services Industry” url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/helping-financial-industry” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/savings-calculator_icon_purple.png” alt=”savings calculator” _builder_version=”4.22.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” link_option_url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/helping-financial-industry” global_colors_info=”{}” image__hover_enabled=”on|desktop” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/savings-calculator_icon_green.png” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d”]<\/p>\n
How we can help your potential clients get back on track.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Community Groups” url=”https:\/\/nomoredebts.org\/financial-education\/community-service” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/group-of-people_icon_purple.png” alt=”group of people icon purple” _builder_version=”4.22.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” link_option_url=”https:\/\/nomoredebts.org\/financial-education\/community-service” global_colors_info=”{}” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|desktop” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/group-of-people_icon_green.png”]<\/p>\n
Assisting other non-profits and community groups with financial advice.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Professional Development” url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/professional-development-ceu” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/ccs-clients_icon_purple.png” alt=”CCS Clients Icon” _builder_version=”4.22.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” link_option_url=”https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/professional-development-ceu” global_colors_info=”{}” image__hover_enabled=”on|desktop” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/ccs-clients_icon_green.png” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d”]<\/p>\n
Workshops for maintaining certifications and skills through continuing education<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”CCS Clients” url=”\/financial-education\/financial-workshops-webinars\/topics” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/workshop_icon_purple.png” alt=”Workshop Icon Purple” _builder_version=”4.23.4″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” link_option_url=”\/financial-education\/financial-workshops-webinars\/topics” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_green.png” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d”]<\/p>\n
Workshops and webinars created specifically for our current clients.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Employee Assistance Programs ” url=”https:\/\/nomoredebts.org\/financial-education\/financial-education-employers-help-employees” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/improving-your-credit_icon_purple.png” alt=”Improving Your Credit Icon Purple” _builder_version=”4.22.0″ _module_preset=”default” header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” link_option_url=”https:\/\/nomoredebts.org\/financial-education\/financial-education-employers-help-employees” global_colors_info=”{}” image__hover_enabled=”on|desktop” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/improving-your-credit_icon_green.png” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d”]<\/p>\n
Workplace financial education & employee assistance programs (EAP).<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” admin_label=”Section” module_id=”team” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”135px||40px|||” top_divider_style=”ramp2″ da_popup_slug=”team” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
Get to know the members of our partnership & education team before your first workshop. Email links are included below if you want to reach out and ask a specific question about your upcoming workshop or webinar topic. All our team members are professionally trained, very knowledgeable, and eager to answer any questions or concerns you may have about personal finances so don’t hesitate to ask.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#e4f8e0″ next_background_color=”#e7dff3″ admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”160px||100px||false|false” custom_padding_tablet=”120px||||false|false” custom_padding_phone=”100px||||false|false” top_divider_style=”ramp2″ bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||100px||false|false” custom_padding_tablet=”||80px||false|false” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/anita-800px.jpg” alt=”Anita Moore” title_text=”Anita Moore” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”5%” border_radii=”off|20px|200px|20px|200px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
As a Financial Educator based in British Columbia, Anita has 20+ years in the non-profit sector, and has gained over 30 years experience in the Financial Industry. Anita brings extensive knowledge, facilitation experience and a keen ability to build lasting relationships. In addition, Anita\u2019s wealth of financial knowledge is well supported by her positive attitude and strength in building connections and establishing relationships. Anita is passionate about educating consumers in personal finance. In addition to her work experience, Anita has completed many courses including Investment Funds in Canada, Accredited Financial Credit Counsellor, Registered Qualified Insolvency Counsellor, and Certified Educator in Personal Finance.\u00a0Email Anita<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/graham-hiscocks-800px.jpg” alt=”Graham Hiscocks – Education Specialist” title_text=”Graham Hiscocks” disabled_on=”off|off|on” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Graham is a Partnership & Education Specialist based in Vancouver, British Columbia, and he presents financial literacy workshops to organizations and individuals looking to further develop their knowledge about money. He holds a Bachelor of Arts from Simon Fraser University in addition to multiple investment-industry accreditations. With over a decade\u2019s worth of experience in the non-profit and banking sectors, as well as several years\u2019 history as an entrepreneur, Graham is passionate about helping members of his community achieve financial wellness.Email Graham<\/a>.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/graham-hiscocks-800px.jpg” alt=”Graham Hiscocks – Education Specialist” title_text=”Graham Hiscocks” disabled_on=”on|on|off” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”70px||90px|||” bottom_divider_style=”ramp2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||100px||false|false” custom_padding_tablet=”||80px||false|false” custom_padding_phone=”||80px||false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/manraj-waraich-800px.jpg” alt=”Manraj Waraich – Education Specialist” title_text=”Manraj Waraich” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”5%” border_radii=”off|20px|200px|20px|200px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Manraj Waraich is a Financial Education Specialist at the Credit Counselling Society. With over 13 years of experience in community work, including 9 years with the Credit Counselling Society, Manraj is committed to helping individuals enhance their financial literacy skills. She has presented at various conferences and served on expert panels for organizations such as Families Supporting Adults with Mental Illness Alberta, University of Alberta, and the International Annual Conference on Financial Education. Passionate about building meaningful community connections, Manraj strives to make a lasting impact through her work. Having facilitated over 800 workshops, webinars, and presentations; her mission is to inspire others to improve themselves, unlock their full potential, and take control of their financial futures. Email Manraj<\/a>.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/mark-kalinowski-2-800px.jpg” alt=”Mark Kalinowski” title_text=”Mark Kalinowski” disabled_on=”off|off|on” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Mark is a Financial Educator and Credit Counsellor based in Calgary, Alberta. With over 8 years of non-profit counselling experience and having worked at two big banks he has seen how money works to make people happy and sad. He has a B.A. History and attained numerous financial courses and designations that make him well versed to talk about money. Mark has worked with thousands of people to help them achieve their personal financial goals and reminds them that for any \u201cmoney problem \u2013 there is a solution.\u201d\u00a0Email Mark<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/mark-kalinowski-2-800px.jpg” alt=”Mark Kalinowski” title_text=”Mark Kalinowski” disabled_on=”on|on|off” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#e4f8e0″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||120px|||” bottom_divider_style=”wave2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” disabled_on=”on|on|on” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||100px||false|false” custom_padding_tablet=”||80px||false|false” custom_padding_phone=”||80px||false|false” disabled=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/channdika-800px.jpg” alt=”Channdika Thayver” title_text=”Channdika Thayver” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”5%” custom_css_main_element=”margin: auto;” border_radii=”off|20px|200px|20px|200px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Channdika is a Financial Educator and eLearning Specialist and is responsible for teaching online webinars and developing eLearning content. Channdika brings her experience working as an Academic Advisor in the post-secondary setting to her role with CCS. She has an MEd. in Curriculum and Instruction and is also a certified Life and Wellness Coach, with credentials from a school that is certified by the International Coaching Federation. Channdika greatly values ensuring that all individuals and communities feel represented, supported and welcome in the education that CCS offers to the community at large. Channdika also values community and relationship building as she believes that these are key components to creating greater socio-economic equity for all persons. Email Channdika<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/catherine-800px.jpg” alt=”Catherine Lopez” title_text=”Catherine Lopez” disabled_on=”off|off|on” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Catherine is a Financial Educator \u2013 eLearning Specialist and is responsible for teaching online webinars and developing eLearning content. She has over 15 years of experience in customer service, training, and management. Catherine believes that education is essential when it comes to creating a sound financial plan and is passionate about expanding financial literacy online. She holds a Bachelor of Arts Degree and a Diploma in Counselling and Human Development through Simon Fraser University. In her spare time, she loves spending time with her husband and 2 kids exploring the nature of the West Coast.\u00a0Email Catherine<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/catherine-800px.jpg” alt=”Catherine Lopez” title_text=”Catherine Lopez” disabled_on=”on|on|off” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”||70px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/amanda-martin-2-800px.jpg” alt=”Amanda Martin” title_text=”Amanda Martin” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”5%” border_radii=”off|20px|200px|20px|200px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”]<\/p>\n Amanda Martin is a Partnership & Education Specialist with the Credit Counselling Society (CCS), bringing over 15 years of experience in the non-profit and financial sector. A Certified Educator in Personal Finance (CEPF), she develops and delivers engaging financial education programs that empower individuals, businesses, associations, and communities to make informed financial decisions with confidence.<\/p>\n With a background in social services, lending, and collections, Amanda combines practical expertise with a relatable approach, making financial wellness accessible and actionable. She collaborates with workplaces, associations, and community groups, ensuring they have the tools and knowledge needed to navigate financial challenges and build resilience.<\/p>\n Driven by a passion for empowerment and financial well-being, Amanda is committed to helping people reduce debt, strengthen financial confidence, and create a brighter financial future. Email Amanda<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”120px||90px|||” top_divider_style=”ramp2″ top_divider_color=”#E4F8E0″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/tim-st-vincent-2-800px.jpg” alt=”Tim St Vincent” title_text=”Tim St. Vincent” disabled_on=”off|off|on” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Tim is the Credit Counselling Society\u2019s Financial Educator for the GTA and surrounding area, Manitoba, and Saskatchewan, and is based out of Winnipeg. Tim has over 30 years experience in Financial Services and is a retired Certified Financial Planner (CFP). Tim also taught the CFP program for several years, completed the Canadian Securities Course (Hons.), achieved his Certificate In Management (C.I.M.) Hons. and is a Certified Educator in Personal Finance (CEPF). Tim believes strongly in the power of education, planning and acting on your plan. Email Tim<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/tim-st-vincent-2-800px.jpg” alt=”Tim St Vincent” title_text=”Tim St. Vincent” disabled_on=”on|on|off” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#E7DFF3″ custom_padding=”165px||60px|||” top_divider_style=”ramp2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/tina_filion-2-800px.jpg” alt=”Tina Filion” title_text=”Tina Filion” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”5%” border_radii=”off|20px|200px|20px|200px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Tina is a Partnerships and Education Specialist with the Credit Counselling Society, who is dedicated to advancing financial literacy across Ottawa and Eastern Ontario. Tina has built strong community connections and a successful business with hundreds of loyal clients. This blossomed into a rewarding career in finance where she has been fortunate to be able to promote financial wellbeing, help people, and connect them with the tools they need to navigate the best way forward. Email Tina<\/a>.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”anne-arbour” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”135px||40px||false|false” top_divider_style=”wave2″ top_divider_color=”#E7DFF3″ da_popup_slug=”anne-arbour” da_disable_devices=”off|off|off” global_colors_info=”{}” disabled_on=”on|on|on” disabled=”on” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/anne_arbour-800px.jpg” alt=”Anne Arbour” title_text=”Anne Arbour” disabled_on=”off|off|on” _builder_version=”4.27.4″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”5%” border_radii=”off|200px|20px|200px|20px” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\nGraham Hiscocks
\nPartnership and Education Specialist<\/em><\/h3>\nManraj Waraich, BCom, CEPF
\nFinancial Education Specialist<\/em><\/h3>\nMark Kalinowski, B.A., CEPF
Partnership and Education Specialist<\/em><\/h3>\nChanndika Thayver, MEd.
Financial Education Specialist<\/em><\/h3>\nCatherine Lopez, B.A.
Financial Education Specialist<\/em><\/h3>\nAmanda Martin, CEFP
Partnership and Education Specialist<\/em><\/h3>\nTim St Vincent, CEPF
Partnership and Education Specialist<\/em><\/h3>\nTina Filion
\nPartnership and Education Specialist<\/em><\/h3>\nAnne Arbour, MBA, CEPF
\nDirector of Partnerships and Education <\/em><\/h3>\n