Holidays - Finances

Managing day to day finances properly takes time, thought, and planning. Many Canadians carry a certain amount of debt as part of their overall financial picture. But with proper financial planning, you’ll be able to determine how much money you’ll need for monthly expenditures, tax payments, and future savings, and be able to manage debt effectively. Many individuals and families enjoy taking holidays, and budgeting for this within your overall financial picture can ensure a fun and enjoyable holiday ahead. Financial experts have differing views on how much money you should keep in savings, how and where to invest your money, and how best to manage your monthly and yearly costs. Do you have questions about your current financial situation and debt-load? Would you like guidance or information from a financial expert for yourself, a friend or loved one? Are you looking for resources within your community to help you manage your overall financial picture? Kinjunxion is here to help with sources of support and information.

You are not alone. Connect with others who may be going through the same thing, find professional help and resources near you. The Kinjunxion community is here to help.

Resources in ,


Finding Rent Support


Municipal Management & Finances

A Primer for Municipal Officials and other Lay Persons to help better understand the Basics of managing a small community 1st Edition

Being a Municipal Officer or Municipal Official can be a challenging task in many of the small communities in Maine or any other state. Most of these positions are part time and do not draw the best of salaries. Unfortunately, there is little training and no certification requirements for these positions. In many cases, newly elected officers or elected/appointed officials depend on the past practices of their predecessors. These past practices may be OK or not OK and may not meet today’s standards. The budgets are much bigger and there are more state and federal laws/regulations to comply with. In the State of Maine, the Maine Municipal Association (MMA) offers some basic training/workshops and provides legal counsel for member communities for those that choose to participate. Many are not willing to spend the time in attending these training classes/workshops.

Help for the Holidays:

7 Days of Journaling to HO! HO! HO!

This workbook is designed to help you through the ups and downs of the holiday season as your confidante, coach and sounding board. Whether you are feeling stressed out dealing with your in-laws or overwhelmed trying to find the money to buy gifts, you can turn to these journaling exercises (instead of the enticing tin of cookies someone brought into your office) to work through your emotions in a healthy and productive way. The workbook is divided into seven chapters, each representing a different day with a specific theme and journaling exercise. Ideally, you will block off about an hour every day for a week before or during the holidays so you can write consistently and build momentum. In the following chapters, you will address the triggers that cause you to be unhappy and overwhelmed during the holidays, you will work through your individual challenges and you will celebrate your own unique gifts that will help you during difficult times. The “Focusing on Your Gifts” sections will offer bonus tips, exercises or words of encouragement to keep you going.

6 Super Useful Tips to Improve Your Financial Budget

A budget is simply a tool to increase your consciousness of how and where you spend your money. It is also guideline to help you spend your money on the things that are most important to you. With this ebook discover: - 6 reasons to love the new financial budget - Learn to financial budget like a professional - The truth about financial budget in 3 little words - The best things about financial budget - How to solve the biggest problems with financial budget - And More GRAB A COPY TODAY!

Map Your Finances

Learn the Art of Financial Mapping

‘Map Your Finances’ tells interesting anecdotes from the author’s personal experiences of investing over a forty year period. Her investments have included hands on management of small businesses, equities and real estate as well as self-managed superannuation. When it comes to personal finance, she has lots of tips for both the inexperienced and advanced investor. This book aims to improve financial literacy and teach the art of Financial Mapping. Financial Mapping is a new consumer category for planning, understanding and control of personal finances. Financial Mapping gives the ability to plot over an extended period, all your future financial plans in one dynamic calculator. Mapping software includes all financial decisions about budgeting, saving for something special, managing debts, building an investment portfolio of fixed interest securities, equities and real estate, buying or renovating a home, monitoring your retirement accounts and how you plan to drawdown money to live on during retirement. Financial Mapping is different from Internet calculators which use long term average returns for one financial calculation at a time. With Financial Mapping, changing one parameter immediately recalculates results for everything. Financial Mapping models dynamically any change of interest rates, income and capital growth over different time periods. It also allows back testing against historical data and economic cycles as well as incorporating lifestyle variables. The consumer can build a personal financial management hub where all future plans and actions can be modeled and stored. This book both entertains and educates.


EBONY is the flagship magazine of Johnson Publishing. Founded in 1945 by John H. Johnson, it still maintains the highest global circulation of any African American-focused magazine.

Death and Other Holidays

Funny, tender, and wholly original, Death and Other Holidays is a year in the life of a young woman coming to terms with the death of her beloved stepfather, while attempting to find love in LA. We are introduced to her friends and family, as she struggles to launch herself out into the world, to take the risks of love - the one constancy in all the change. Told with a great good humour and underlying affection for all her characters, Death and Other Holidays announces a brilliant and assured new voice in American fiction.

Keep the Happy in Your Holidays

21 Ways to Save Time, Money, and Your Sanity This Christmas Season

“The most wonderful time of the year”? We dream of Christmas as a season of family, celebration, and worship—but too often we get burdened with stress, busyness, yelling, and overspending. Cherie Lowe, author of Slaying the Debt Dragon, knows what it’s like to feel frazzled as the holidays draw near. A family of four trying to defeat their debt monster, the Lowe family had to get creative and intentional about keeping the happy in their holidays. These 21 tips—on budgeting, the items you should buy on Black Friday, and much more—will help you save money, time, and your sanity this holiday season. You’ll be able to enjoy the holidays without worry and stress—and celebrate a Christmas filled with wonder and joy. (Includes bonus printables!)

The Holiday Hustle

Controlling the Black Mind and Finances

Given the everyday traditional functions and factors of life, has anyone ever stopped to question, why or where does the man made holidays originated from, why in fact are we to honor or celebrate them. One of the biggest questions you may want to ask, why are these man made traditional holidays promoted by church pastors, but cant be found in the bible? This book will give you a historical timeline and factual evidence as where all traditional, pagan holidays originated, and why are they celebrated.

Provincial and Municipal Finances

Brilliant Personal Finances

How to make money work for your life

What does it take to get your finances under control? It’s virtually impossible to live without money yet far too often bad money management causes anxiety and stress. Clearing debts and managing your money successfully isn’t complicated, but the biggest difficulty is fear and a lack of confidence. Brilliant Personal Finances gives you the confidence you need to make sensible financial decisions and plan for the future. It explains the jargon and the process of money institutions, credit cards and investments and advises on the best way to save money. Brilliant Personal Finances will show you how you can develop money management habits that help you get the most out of your money. This book will be your very own personal finance workshop to ensure you stay in control of your cash. Brilliant Outcomes Take complete control of your everyday finances Understand the jargon and process of financial institutions Save money and plan your financial future

The Ex-Wives' Guide to Divorce

How to Navigate Everything from Heartache and Finances to Child Custody

What can two women who married the same man tell you about divorce? Plenty! Divorce can tear up a woman’s life like a tornado going through a trailer park. But it doesn’t have to be that way. Seasoned experts on all things divorce, Holiday Miller and Valerie Shepherd developed a unique friendship after they both married and divorced the same man. They learned the hard way that when divorce is on the horizon, most women fall apart. While the husband is gathering ammunition with his high-paid attorney, the wife is rehashing what went wrong—instead of preparing herself for the battle ahead. The Ex-Wives’ Guide to Divorce teaches women how to manage the “business of divorce” in a focused, realistic, and organized manner. Miller and Shepherd aren’t lawyers or psychologists, but they have the hard-won wisdom of experience. They share crucial advice on how women can build a support system and maintain a tenacious spirit through the heartache and nitty-gritty negotiations over alimony, child custody, and the rest. Divorce is never pretty, but Miller and Shepherd want to make the experience as easy and painless as possible. Straightforward and honest, this essential guide equips soon-to-be ex-wives with a road map of what lies ahead, easing their fears, saving them money, and motivating them to start building new lives for themselves, sans Prince Charming.

Michigan Manufacturer & Financial Record

Ski Holidays

Personal Finances

Singles Holidays

Business Finance

Film Financing

Creative Financing

Owner Financing

Business Financing

corporate finance

Behavioral Finance

Burlington. Finance Department - Burlington City Hall

The City of Burlington Finance Department is responsible for:
* municipal budgets
* financial statements
* property taxes
For property tax reduction / deferral programs, see separate record here

Canada. Innovation, Science and Economic Development - Office of the Superintendent of Bankruptcy Canada - Hamilton Central

Supervises the bankruptcy system, provides information on the bankruptcy process to debtors, and responds to complaints from bankrupts and creditors.

Ancaster Community Services - Holiday Assistance Program

Provides food and gifts for children, teens, adults and seniors during the holidays.

Canadian Pacific Holiday Train

Visits communities collecting food and money for local food banks along the way, and also provides a box car stage, a line up of musical talents and a corporate contribution to the local food bank at each stop.
The Hamilton stop is in the area of Kinnear Yard, opposite Gage Park.

Children's Aid Society of Hamilton - Christmas Support Program

Program welcomes individuals, families, service organizations, or local businesses to sponsor a family or make an in-kind or monetary contribution to the agency’s Sponsorship Program or Toy Room and help hundreds of children and their families during the holiday season.

General Topics and Information - Christmas Sharing Guide - Burlington


This record summarizes:
* holiday season donation and sponsorship programs
* free community Christmas meals
* holiday volunteering opportunities

1. Acts of Kindness Network Annual Holiday Gift Drive
For more information call 905-319-0035 or email
* provides gifts for those of any age affected by mental illness (recipients must be referred by local agencies and service providers)
* accepts gifts such as personal grooming products, winter hats, gloves, mitts, scarves and socks and gift cards/certificates for meals, groceries, clothing, movies and services
* donated items may be dropped off until mid-December at Wardell Insurance, 431 Brant St, Burlington

2. The Burlington Post Holiday Toy and Gift Card Drive (supporting Halton Women's Place)
Contact Krystal London at
* new, unwrapped items
* gifts cards (suggestions include grocery stores, clothing stores or malls)
* toys and gift cards may be dropped off at The Post, 901 Guelph Line during regular business hours (9 am-5 pm)
* last day to drop off items is Dec 14

3. Compassion Society Holiday Giving Program
Contact Joanne 416-301-8341 or email
* accepts retailer gift cards and unwrapped gifts for adults, youth, and children
* drop off by Dec 10 (can also mail to 484 Plains Rd E, Burlington, ON L7T 2E1)

4. Food for Life Annual Turkey Drive
Sat Dec 8 and Sun Dec 9
* shoppers are encouraged to buy and donate a turkey to Food for Life to help a family
* Burlington locations: Fortinos stores at 1059 Plains Rd E, 5111 New St, 2025 Guelph Line and 2515 Appleby Line
* to volunteer, see below

5. Halton Learning Foundation No Student Left Behind
For more information call 905-335-3665 ext 3408 or email
* program helps ensure that Halton District School Board students-in-need have basic necessities and the opportunity to fully participate in school activities
* monetary donations provide a young person, family or school with funds in the form of gift cards or cash reimbursement to fulfill a student's needs for food, clothing and more or choose a gift from the online Gift Catalogue here

6. Halton Regional Police Service Toys for Tots
For more information, contact Constable Steve Elms at 905-825-4747 ext 4868 or email
* donations of new unwrapped toys, cash, gift cards or Canadian Tire money for distribution by the HRPS and the Salvation Army
* drop off by Dec 7, 2018 at any police station or any Canadian Tire store

7. Halton Women's Place
Contact Kaitlin McKenna 905-332-1200 ext 244 or email
* accepts donations for the Holiday Giving Program (see more information here), Nov 14-Dec 20, or year-round for the Shelter Needs List (see list here)
* contact for drop off location and times

8. ROCK (Reach Out Centre for Kids) Hugs for the Holidays
For more information call 905-634-2347 or email
* accepts donations and sponsorships to give Christmas help to existing ROCK client families
* sponsors remain anonymous
* donated items accepted include new unwrapped gifts, gift or grocery cards, or cheques (payable to ROCK with memo directing funds to Hugs for the Holidays)
* typical suggested sponsorship budget is $75-$100 per person (if purchasing a grocery gift card instead of gifts, $50 is suggested)
* drop off by Dec 14, 2018 at ROCK Head Office, 471 Pearl St

9. Salvation Army Grocery Gift Cards
For more information call Salvation Army 905-637-3893
* provides grocery store gift cards for Christmas dinner
* drop off donations at Salvation Army, 5040 Mainway, Unit 9
To receive assistance: applications included with Oct/Nov Ontario Works cheques * also available at Salvation Army, Burlington Food Bank, Compassion Society and Halton Children's Aid Society (apply by Nov 30 * if deadline has passed call Salvation Army at 905-637-3893)

10. Salvation Army Toys for Tots
For more information call Salvation Army 905-637-3893
* provides gifts for children 16 and under
* donate new, unwrapped gifts at Salvation Army (5040 Mainway, Unit 9), any police station, Burlington Centre Toy Mountain (near Santa) or Mapleview Centre Guest Services
* high need items include baby items (larger diapers, formula, baby clothing, etc.) and gifts for teens such as gift cards, movie tickets, girls' jewellery/accessories, inexpensive MP3 players, games with electronic component, etc.
* donate cash at any Salvation Army Christmas kettle
* donate cash or Canadian Tire money at Canadian Tire stores, 777 Guelph Line and 2070 Appleby Line
To receive assistance: applications included with Oct/Nov Ontario Works cheques * also available at Salvation Army, Burlington Food Bank, Compassion Society and Halton Children's Aid Society (apply by Nov 30 * if deadline has passed call Salvation Army at 905-637-3893)

11. Shoebox Project for Shelters
For more information on the Shoebox Project contact Emma via email at
* collects and distributes gift-filled, decorated shoeboxes to women impacted by homelessness
* boxes must be unsealed and items must be unused and packaged and kept to a value of $50
* for suggested items see website
* gift-filled, decorated shoeboxes can be dropped off at Lola Choco Bar And Sweet House, 423 Elizabeth St #13 (Mon 8 am-3 pm * Tue-Fri 8 am-10 pm * ?Sat-Sun 9 am-10 pm)

12. St. Christopher's Anglican Church, Open Doors Christmas Families Program
Contact Christina Mulder, St Christopher's Anglican Church, 662 Guelph Line, 905-634-1809 or email
* welcomes donations of cash, gift cards for grocery stores or Walmart, new toys, or new family items
* charitable receipt for cash donations
* drop off donated items at the church by Dec 5 but will accept items up to Christmas Eve
* serves 200 -250 families
To receive support: registration for program is Oct 30-Nov 14 * registration forms required
Food bank and clothing store will also be closed Dec 22-28 but will reopen on Dec 29, 10 am-12 noon

Provide opportunities to enjoy a Christmas meal with others * the following dates are for a traditional Christmas meal * all are free, and open to all members of the public, except where noted * donations from the public to support these dinners are also accepted

1. Wed Dec 12, 6 pm (doors open at 5:30 pm): North BurLINKton Neighbourhood Dinner Night Out at Glad Tidings Pentecostal Church, 1401 Guelph Line * no reservation required * for more information contact Candi Thorpe at 905-336-7332
Note: this is the only North BurLINKton dinner in December

2. Thu Dec 13, 12 noon: Seniors Lunch, St Christopher's Anglican Church, 662 Guelph Line (between New St and Prospect St), 905-634-1809 * no reservation required

3. Fri Dec 14, 12 noon: North BurLINKton Neighbourhood 55+ Luncheon at Calvary Burlington, 2458 St Frances Dr * no reservation required * for more information contact Candi Thorpe at 905-336-7332

4. Tue Dec 18, 6 pm: St Christopher's Anglican Church, Open Doors Community Supper, 662 Guelph Line (between New St and Prospect St), 905-634-1809 * no reservation required

5. Wed Dec 19, 11:15 am-1:30 pm: Downtown Burlington Community Christmas Lunch at St. Luke's Hall, 1382 Ontario St * call 905-632-1025 for more information and to RSVP * entertainment provided

6. Fri Dec 21, 6 pm: Friday Night Community at Wellington Square United Church, 2121 Caroline St, 905-634-1849 * no reservation required

7. Mon Dec 25, 12 noon-2 pm: Community Christmas Lunch at Burlington East Presbyterian Church, 505 Walker's Line, 905-637-5155 * if possible, please call church for reservation

8. Mon Dec 25, 5 pm: Community Christmas Dinner at East Plains United Church, 375 Plains Rd E * reservation required, call Mary Dilly at 289-245-1446 or email * carolling * visit and present from Santa

1. Volunteer Halton
Database of volunteer opportunities at here, 905-632-1975

2. Salvation Army Christmas Kettle Campaign
Needs volunteers from the public, begins Nov 16 * contact Major Bob Speakman at 905-637-3893 or 905-630-5212 or apply online

3. Food for Life Annual Turkey Drive
Sat Dec 8 and Sun Dec 9
Volunteers (students, churches, individuals, families and corporate groups) encourage shoppers to donate a turkey to Food for Life for a family, for details see here
* contact Donna at 905-635-1106 ext 221 or email Emily at

4. Support for Canadian Forces
* Write to the Troops, see here
* Operation Santa Claus (sends holiday care packages to Canadian Forces deployed overseas), see here

Wesley - Wesley No Charge Christmas Program - 1974 King St

Christmas program provides food and new gifts for children, youth and adults requiring assistance. Apply in person to register. You may only register at one Christmas assistance program in the City.
Families shop for food, toys and gifts in a store-like setting. Families and singles are eligible.

Corus Entertainment - CHML / Y108 / 953 Fresh FM Children's Fund - 875 Main St

Provides awareness of children's causes, programs and services and welcomes corporate support and fundraising initiatives such as Christmas Tree of Hope campaign and Operation Santa Claus toy drive.

Fundraising activities include the major drives held by three area radio stations including:
* AM 900 CHML
* Y-108 FM
* 95.3 FM Fresh Radio

Salvation Army (The) - Christmas Help Program - 80 Bay St

Provides food for families and individual adults and holiday gifts for children age 16 and under, when available. Children must reside permanently with applicant in order to register. Hamper pick-up dates will be assigned at the time of registering.

Mission Services of Hamilton - Christmas Care Program

Provides assistance to individuals and families with a generous size Food Hamper, with seasonal foods that make up a traditional Christmas meal. Toys are distributed depending on availability. Choice of food and new gifts for all family members.

Neighbour to Neighbour Centre - Christmas Assistance Program - 28 Athens St

Offers food and grocery gift cards to help during the holiday season. Toy store provides gifts for children age 12 and under.

St. Matthew's House - Christmas Assistance / Adopt-a-Family Program - 414 Barton St

Provides assistance to families through the Christmas season and connects individuals and families who want to provide assistance over Christmas.

Types of assistance are:
* Food vouchers
* Gift for children 18 years and under

Family or individual sponsorship can include:
* Provide food or supermarket vouchers for "Christmas Dinner"
* Provide new toys for children or gifts for teenagers
* Provide "Christmas Dinner", as well as one to two gifts and some new clothing for each child

Charitable tax receipts are given for donations.