Community News
Credit Card Debt Help

Credit cards are a helpful tool when used carefully. However, if your credit cards are maxed out and payments are straining your budget, it may be time to seek credit card debt help.

Here are four things you can do today to get your credit under control:

Make a Plan

A debt reduction plan is the perfect starting point. Start by determining how much you owe and how much your payments add up to each month. Examine your budget and adjust your spending to make cash available for debt elimination. Take extra time to analyze your spending habits. Trips to the ATM, overspending on groceries or other necessities, and too many shopping trips can sabotage the healthiest budget. Once you know where your money is going and when it’s coming in, set realistic credit card payoff goals. Add “debt reduction” to your new budget and redirect spending so that you can reach your goals. You can also use online debt reduction calculators to set deadlines and make a timetable.

Nix New Debt

While you work to pay off credit card debt, it’s best to stop using your cards. It can be hard to stash credit cards that have been your go-to source of extra cash, but putting them away speeds up the payoff process.

Here are some creative ways to keep your cards out of service:

  • Fill a small bowl with water, drop your cards in, and freeze them.
  • Delete credit card numbers from online shopping sites.
  • Remove your cards from your purse or wallet.
  • Cover the magnetic strip with duct tape.

If these tricks won’t keep you from using your cards, think about cutting them up. You can always ask for new ones when your credit cards are paid off.

Avoid the Minimum Payment Trap

There’s a reason many credit card companies put a low payment warning on your statement each month. The high interest rates associated with most cards, multiplied by the time it takes to pay off your balance, equals a huge interest charge. For example, if you have a credit card with a balance of $3,000 and a 21% interest rate, by making the minimum payment of $60 each month it will take you a little over 10 years to pay off your balance. During this time, you’ll end up paying approximately $7,200.00 in interest charges.

If you’re curious about how much your cards are costing you, search for payoff calculators on the internet. Adding just $5 to your minimum payment can save you money and time.

Get Professional Help if Needed

Juggling credit card payments, missing payments, and using one credit card to pay another are signs that you need credit card debt help. Don’t wait to seek professional advice—by acting quickly you can avoid damage to your credit rating and start working on a plan to get your debt under control.

A bankruptcy trustee can be a good advisor if your debts have become unmanageable. Trustees can help you determine which solution is the best fit for your situation. They can also refer you to other financial advisors who can help.

Kim Powell, Client Services Manager, LCTaylor Trustees in Bankruptcy
www.lctaylor.com

Why a Diabetes Educator? 

Diabetes is a complex disease that affects many organs in the body. More than 50% of people who are newly diagnosed have signs of irreversible long-term complications: vision loss, kidney damage, nerve pain, erectile dysfunction, loss of sensation in hands and feet and gastrointestinal complaints. A Diabetes Educator has special training to assist those who are diagnosed with pre-diabetes, the newly diagnosed, and people with longstanding diabetes to self-manage. A Diabetes Educator is equipped with skills and knowledge to identify barriers to optimal blood sugar control that are different for each person and tailor a plan to suit each person’s needs in one-on-one and step-by-step fashion. After a few sessions you will be confident to self-manage and achieve your blood sugar targets. People say they feel better and have more energy even with marginal improvement of blood sugar control. Delay the progression of diabetes complications, not diabetes education!

Mathilda Prinsloo, B Pharm CGP CDE, www.seniorcarepractice.com

10-Point Risk Assessment 

When do you know it’s time to get a medical alert system in your home? Take this short assessment to find out! If you answer “yes” to most of these, maybe it’s time to consider one!  Are you over the age of 55? Do you live alone? Do you lead an active lifestyle? Do you use a cane, walker or devices to assist you in walking? In the past year, have you fallen or been at risk of falling inside or outside the home? Do you take daily medication? Have you been hospitalized in the past 3 years? Do you sometimes feel weak or dizzy? In the past 12 months, have you been concerned about falling in the home? Is it important for you to continue living independently? With a medical alert unit, you can have peace of mind knowing that at any time, 24 hours a day 7 days a week, help is available at the push of a button.

www.lifeassure.com

Medication Reviews

Most people are aware that prescription medications can interact with each other, sometimes causing adverse side effects. However, over the counter products such as vitamins or herbal products can also interact with prescription medications – these interactions can potentially change the effectiveness of the drug and lead to harm, such as a fall. This in turn can lead to an emergency room visit or hospital stay. If you are on prescription drugs, it is important to have a discussion with your doctor or pharmacist before taking any over the counter products to ensure you are taking the right products at the right times. A pharmacist can also conduct a full medication review with all your prescription and over the counter products and advise you on safe medication use. If you are on a complex medication regime, a visiting pharmacist can help you monitor the effects of your medication in the comfort of your home.

Care At Home Pharmacy, www.careathomepharmacy.ca

What is TMD? 

Do you have jaw pain or chronic headaches? Do you clench or grind your teeth? These problems can be related to Temporomandibular Joint Disorder (TMD). These symptoms can range from mild discomfort to severe pain with jaw restriction and locking. Making an accurate diagnosis of your TMD is essential so an effective treatment regime can be implemented. Physiotherapists can assess the muscles impacting on your jaw, your neck and your posture. A dentist should be involved to assess your bite and any unusual or excessive wearing of your teeth. A physiotherapy approach will be different for each patient depending on the source of their symptoms. Some treatments that are used are myofacial release, massage, acupuncture, joint mobilization and dry needling. The focus is to relieve pain, reduce swelling and muscle spasm, increase posture strength and restore jaw movement and alignment. Treatment is also directed towards associated neck pain, headaches and a good strengthening program for long term self-management.

Gina Imbrogno, www.prairietrailphysio.ca

Garcinia Cambogia Fruit

An incredibly efficient fat burning ingredient, Garcinia Cambogia has received much media attention for it’s effect on weight loss and food consumption control. This pure ingredient is 100% natural; it is sometimes referred to as Tamarind, and it grows primarily in the lush green mountains of India, southeast Asia as well as in Central Africa. Its primary ingredient is the dietary super supplement known as HCA, which is proven in scientific studies to stop hunger in its tracks. The tamarind fruit has traditionally been used in soups as appetizers before meals, because of the smaller portion sizes due to limited amount of food. It’s appetite suppression qualities helped make villagers feel more full (satiety) and the fruit would increase the workers’ fat burning skills (thermogenesis) providing an increase in energy and productivity.

Greg and Bridget Doll, www.myvalentus.com/lakewinnipeg

5 Tips to Reduce Anxiety

1. Meditate – Practicing just a few minutes a day helps reduce anxiety.
2. Breathe Deep – breathing by contracting the diaphragm, a horizontal muscle in the chest located just above the stomach, helps reduce your heart rate and induces relaxation.
3. Exercise – Long workouts or running a marathon are not necessary. Yoga or walking is all that is needed to ease anxiety and depression.  Stand up straight and tall.  Don’t forget to breathe.
4. Get More Sleep – Emotional upset, such as anger, stress and exhaustion, is commonly found in those who have lost even a few hours of sleep.
5. Reflexology – Taking time in a quiet environment with complete control of your surroundings and making eye contact with your practitioner can help bring the body back in balance. Reflexology sessions that include deep breathing practice are definitely a worthwhile investment.

Trenna Reid, RCRT, www.discoverreflexology.ca

Clean Eating: Quinoa “Breaded” Chicken Strips 

Ingredients:

Use organic products.
3-4 boneless skinless chicken breasts, cut into strips,
⅔ cup flour,
1 tsp sea salt + ¼ tsp pepper,
3 eggs + 2 Tbsp water,
2 cups cooked quinoa.

Directions:

Preheat oven to 425 degrees and grease a baking sheet with Coconut Oil or Butter. In a small bowl whisk flour, salt, and pepper. In a second bowl whisk eggs and water. Place quinoa in a third bowl. Dredge chicken in flour mixture, then eggs, and lastly in the quinoa being sure to coat well.  Bake for 20 minutes until chicken is cooked. Serve with your favorite healthy dipping sauces!

5 Questions About Your Finances

Money plays a huge role in your life. Being able to answer questions about your finances helps plan for the future and present. Start with these questions:

1. How much do I actually make and owe each month? Knowing when you get paid and how much you owe during the month can help avoid a month-end cash crunch.
2. If I need $500.00 for an emergency, can I get it? Prepare by having money set aside – just in case.
3. What happens if I die? Questions about your finances and wishes are best answered during your life; a will can help clarify things.
4. If I lose my job, what then? Make a plan, include an emergency savings account and updated resume.
5. What rates do I pay and earn? Aim to pay low interest rates and earn high on savings/investment.

LC Taylor Trustees in Bankruptcy, www.lctaylor.com

Winter Safety for Dogs

Although our dogs have fur coats on, that doesn’t mean that they don’t get cold just like we do! If you have a short coated dog, make sure to get them a sweater or jacket to wear on walks. All dogs need to have their paws taken care of when outside in the winter. Either boots, or their feet need to be wiped off when they come inside. All that salt on the pavement is extremely bad for not only the health of their feet, but it can also be poisonous when consumed. If you have noticed that your dog’s feet are getting dry on the bottoms, try using paw wax! This can be used before you head out, and when you get home as a moisturizer. Too cold for you and your pet outside? Why don’t you try an indoor day camp!

Desiree Klippenstein, Owner, www.wooftopia.ca

Book Club: The Lucky Years 

How to Thrive in the Brave New World of Health. Bestselling author David Agus unveils the new world of medicine, one in which we can take control of our health like never before and doctors can fine-tune strategies and weapons to prevent illness. In this bestseller, he builds on that theme by showing why this is the luckiest time yet to be alive, giving you the keys to the new kingdom of wellness.

David Agus, www.davidagus.com