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Sure it's easy to get a credit card - but is it worth it? Photo by Michal Jarmoluk.

Can you handle the truth? H

Financial Literacy

Janice Desautels

ow would you feel is someone said to you “You don’t deserve to be wealthy” or “You’re not im- portant or rich enough to learn to be financially secure/independent”. You prob- ably wouldn’t be very happy in the least and outraged at best. We may not be told straight up but there is always this underly- ing message bombarding us. For example, those that market debt sell this to us every day. Credit cards, loans, advances to name a few are all messages saying you won’t have the money so let us help you out and before you know it you’re in greater debt and the thought of saving any money vanishes. In addition, the conse- quences of the true cost of debt lies under the surface and is not transparent. We’re also told that we are not important enough or

rich enough when we can’t have access to higher interest

accounts without minimum balances or we can’t access certain advice without first showing we have thousands of dollars to potentially invest. But, and this is a big BUT- we can be offered credit cards at almost 20% interest or loans with very unfavourable interest charges and we accept them with ease because we’ve been convinced we are not worthy of anything better. How do we insulate ourselves from these messages?

One answer might lie in how we view ourselves- do we see ourselves as worthy of becoming wealthy and can we handle the truth about the work needed to achieve this? Some may respond by saying wealth isn’t important as long as I have my health, or I don’t need a lot of money. Tese are all responses I’ve heard over the years and the one common thread is the misunderstanding of wealth. Wealth means having the trust therefore comfort that you have enough money to live by your own standards. Tis may be having enough so that when you become ill you can afford the best treatment, can purchase any pre- scriptions or access alternate therapies. It can also mean that you trust you have enough reserves should you need immediate funds, travel whenever you choose or that you have enough to pay the bills when you can no longer work.

Te definition of wealth is personal to each of us and your goals need to focus on what is. Another way to insulate ourselves is to acquire the

best and most accurate information about what would be the consequences should you choose to go down this path and how it will affect you in the present and more importantly in the future. Since time to save is our biggest asset the older we get the harder it is to recover from these consequences. Wealth is achieved over time and the focus and discipline required is not an easy task so any help is worth the effort. Seek out the best information and constructive advice.

Your financial literacy is crucial in enabling you to avoid the enticement of messages that are confusing and limit- ing to achieving your meaning of wealth. Finding the right professional to work with may take time but they are out there. To start, ask your friends and colleagues who they work with and ask if it has been successful, determine if it would be someone you could work with and then give them a call. Be clear in your expectations which should include in depth education first before any decisions are made. Saving for your future may be hard, but you’re worth it!

Te hottest trend this fall is jumpsuits J

umpsuits are all the rest new rage this year, and the trend has carried over into the fall fashion lines. What makes this article of clothing so hot?

Well for starters, the difficult work is already done. No bottoms or tops to match!!! Talk about the lazy girl’s fashion dream. Te style seems to suit most people, flattering

In Vogue Ally Champagne

14 Smart Biz

most shapes, sizes and heights. You can accessorize these in a multiple ways, using different types of footwear, scarves, necklaces, sweaters and blazers. And there are some onesies which require only your body, as the colour and cut says it all. Tere is always a place to apply “less is more”. Te jumpsuit is being touted as season savior be-

cause of its stylishness and comfort ability. Tere are so many variations available from Capri length legs; elephant pant widths, skinny legs, and the palazzo

bottom look which is perfect for fancy evening wear. Many think that to be able to wear this attire,

you must have a body like Bo Derek. Not so say the fashion revellers, but a little confidence goes a long way to carry this particular look. And think about it – who is our worst critic when it comes to clothing? I would have to admit, that for the majority, we are our own worst critics. Suffice to say, most women seem to feel other

women look better in a one piece, than they would ultimately would. Despite all the benefits of having one, many women feel numerous insecurities in owning one. Te litany of arguments are endless - my breasts are too huge, I am too short or too tall, my waist isn’t small enough, my legs are much longer than my torso or vice versa, and I’m too small. If all these excuses were really fashion viable, we

certainly would not have jumpsuits in every style, size, and shape. Yes the designers have been paying attention to you dear consumers, and have outdone themselves this year, in this area. So perhaps its time to start giving some thought

to what type of jumpsuit would enhance your figure. You have so many choices out there, from fitted to flared legs, three quarter sleeves, to long sheer ones, halter tops, zippered fronts, or buttons. Imagine simplifying the Christmas season with

the perfect closet addition, the jumpsuit. Now is the perfect time to start looking for the holidays while the selections are at their best. And don’t limit your- self. You may find something which you can wear to countless events and work. Now this versatility at its finest. Happy shopping.

December 2015

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