Women in Stem: Dr. Ilana MacDonald

With our Women in STEM event just a month away, we introduce our YWiB community to our second panelist: Dr. Ilana MacDonald. Dr. MacDonald is an Instructional Support and Observatory/Planetarium Administrator for the Department of Astronomy & Astrophysics at the University of Toronto and will be representing the Science field of our panel discussion. We are pleased to have her contribute to this important discussion on women working in STEM and to learn how she has managed to forge ahead at a time when most women are leaving their respective fields. 

What made you want to participate in this panel discussion?

I'm always interested in any opportunity to meet other women working in STEM fields and to share my story. I started along an academic path and realized that it wasn't for me, and I would like to help others realize that sometimes your career can take unexpected twists and turns.

What are some things you do outside of work to help you develop personally and professionally?

I mostly try to keep my work and personal life separate, but I do tend to gravitate towards all things astronomy. That means that I like to go to and help out with public astronomy events and to keep up with astronomy news on my own time. 

What has been the biggest learning curve in your career?

The biggest learning curve for me has been to realize my own worth and what I'm good at. When I started my post-secondary education, I was so sure that I wanted to be a scientific researcher, and to follow the traditional academic path (get a PhD, get a post-doc, become a professor). I discovered part-way through my PhD that I really disliked doing research itself, even though I loved the ideas behind it. It took a lot of soul-searching to admit to myself that I was much better at doing public outreach and working in education, and that I enjoyed it a lot more than research. Now I feel like I know what I'm really good at, and I feel like I can take pride in the things I really excel at.

When you think about your journey thus far, what would you say was the one trait that helped you get you to where you are today?

I think the main thing that ultimately helped me the most in getting to where I am now was my willingness to try a bunch of things until I ultimately found something that I loved enough to make a career out of. After finishing my PhD, I floated around and picked up every part-time job that seemed interesting, including science consultation for a documentary, private math tutoring, and a bit of graphic design. At one point I had 7 part-time jobs! Eventually, I was able to cut out the things that I didn't enjoy as much and focus on the things I could see myself doing for a while. It also allowed me to try out a whole bunch of things that I wouldn't necessarily have been able to do had I just taken on one full-time job after graduation.

What advice would you give to other women working in STEM?

Always maintain your network. I actually applied for relatively few jobs during my career journey, and most of the work I was hired for was through the connections I had made and maintained in Astronomy and elsewhere. The first job I got after graduation was the result of a conversation with my local coffee shop owner. My most recent job at the Astronomy Department at UofT was the result of my involvement with the UofT planetarium after graduation. You never know if your next job is a random conversation away!

Who do you look up to and why?

I look up to people in my field who devote their time to promoting science outreach and education. I would love someday to be a science communicator like Carl Sagan or Neil DeGrass Tyson, and so look up to role models who are striving for the same goals. I also look up to women in STEM fields who have stuck it out after receiving their doctorate and are now established in academia. It's tough to stick to that career path as a woman, and I admire those who are now accomplished research scientists.

Dr. Ilana MacDonald grew up in a small town in rural Quebec where she was inspired by the clear night skies and her father's "midlife crisis telescope" to study Astronomy. She completed her Bachelors of Science in Physics at Bishop's University, and her Doctorate in Astronomy & Astrophysics at the University of Toronto, studying under Prof. Harald Pfeiffer. Her doctoral research topic was to test the accuracy of models of ripples in spacetime, that is, gravitational waves, from binary black holes for detectors such as LIGO. Since graduating with her PhD in 2013, Dr. MacDonald has decided to pursue a career in STEM outreach and education, and has tried everything from working in a Math tutoring centre to being a science consultant for a documentary. She currently works in the Department of Astronomy & Astrophysics managing some of the largest courses at the University of Toronto, as well as creating and presenting planetarium shows. In her free time, Dr. MacDonald enjoys reading science fiction, knitting, playing the ukulele, and riding around Toronto on her bicycle.

Women in STEM: Ruth Fernandez, MAPC

Meet our panel moderator: Ruth Fernandez. Ruth is a Managing Consultant for IBM Global, and has worked in both journalism and technology implementation. Her passion for diversity and gender equality makes her the perfect moderator our Women in STEM panel discussion. We can't wait to hear what what questions she has for our panelists and how she continues to forge ahead!   

What made you want to participate in this panel discussion?

I have always been interested in gender equality issues. The topic of women in STEM was the subject of my Communications Master’s degree research project. I examined how technology companies today are trying to attract girls, and women, to STEM education and careers respectively, and what implicit biases can be found in the language and images used in their ads. Research on the lack of women in STEM consistently highlights the need for women to SEE the women working in STEM and to identify potential mentors. This panel, where the audience can interact with female STEM professionals is, therefore, invaluable.

What are some things you do outside of work to help you develop personally and professionally?

I have a variety of interests outside work including photography, viewing movies and watching my favourite TV sitcoms, and the space program (I follow the Mars Rover @MarsCuriosity on Twitter!). I am also a voracious reader gobbling up every type of fiction from romance to science fiction.

I am energized by interacting with others, so I love spending time with friends and family including being a referee during some raucous game nights!

As a management consultant at IBM, I help clients adopt new technologies, and I use a variety of tools to keep my skills current; namely, following thought leaders, reading up on new technology or latest innovations, and asking subject matter experts a lot questions. I try to lead by example -  willing to work in new ways, with new tools that we are advocating.

What has been the biggest learning curve in your career?

Be forever changing. I cannot think of one occupation that is untouched by innovation of some kind. To succeed I had to accept change and ambiguity in my work. Going from the typewriter to the computer to the tablet or smart-phone has meant giving up the feeling of comfort with the way things are. I remember when I had to get up to change the station dial on the TV.. tomorrow something new will be launched and we’ll need to adjust. 

I started my career in journalism at a time when newspapers started their decline, and reporting jobs were dwindling. To make a living writing, I needed to quickly broaden my horizons to write for a variety of industries and objectives – research, marketing, healthcare and technical writing. For the last 20 years I’ve worked in technology implementations helping clients cope with changing technology and ways of doing things. I still see my job as informing and educating people, but about technology and processes rather than the nightly news.       

When you think about your journey thus far, what would you say was the one trait that helped you get you to where you are today?

Adaptability. I quickly learned that I needed to be adaptable and not box myself in as one thing or another. It’s not something we are taught when we choose our area of study, or think about when we decide what we want to be when we grow up. The world is changing rapidly, and one must be open to the possibilities. Being open to how I could apply my skills and constantly learning new things has been the key to my career success.

I left university in my 20s thinking I might break a Watergate-like story, but now I work on digital transformation projects and explain cognitive computing!

What advice would you give to other women working in STEM?

Some colleagues recently asked me how I got such plum assignments.  My answer: I applied for them, then worked hard to learn while in the role and live up to my commitments. Raising your hand to take on a new challenge is the first step. Do not put limits on your skills or your ability to learn.  It took me a long time to take bigger risks (ok sometimes they are calculated risks!). As one of my rock heroes, David Coverdale, of Deep Purple, said, “Be safe, be happy, and don’t let anyone make you afraid.”

Who do you look up to, and why?

I’ll start with the obvious: my parents for immigrating to Canada more than half a century ago. Their sacrifices including leaving behind everything they knew so their kids were born and raised in such a wonderful country where we can be whatever we want to be. Beyond that, a colleague once told me that you should have at least five mentors. So, there are teachers, colleagues and loved ones who I go to for their various expertise or traits. And these days I often crowd-source advice from them all! Finally, I look up to Jennifer Yetman who became my Little Sister through Big Brothers and Big Sisters 20 years ago. She is now an incredible woman, a family counselor and educator. I’ve witnessed her struggles and admire her positive attitude and love of life.

Ruth Fernandez, MAPC, is a Change Management leader and scholar known for her ability to inspire and motivate multigenerational, ethnically diverse, and geographically dispersed teams. She completed a Bachelors of Arts in Journalism at Ryerson University, and her Masters Degree in Professional Communications at Royal Roads University. Her research project examined how technology firms leverage advertising to attract teen girls to STEM careers. Her study uncovered the counterproductive patriarchal discourses hidden in the ads and its potential damaging consequences. As an IBM consultant, Ruth focuses on creating and implementing strategies to enable and empower employees to adopt new behaviours and new technologies. Dedicated to the mentoring of girls, Ruth is an active member of the Big Brothers and Big Sisters organization in Montreal where she serves as a local chapter board member and was responsible for the chapter’s first social media engagement strategy. In her free time, Ruth Fernandez enjoys travelling, spending time with family, attending hockey games, and being a role model for her nieces.
 

Women in STEM: Dr. Sarah Mayes-Tang

We are so excited to announce that we will be holding a Women in STEM panel discussion on September 13! With that said, we are proud to introduce our first panelist: Dr. Sarah Mayes-Tang, a Mathematician and Professor at the University of Toronto. Given her knowledge and documentation of the experiences of women teachers and students in math classrooms, we are very excited to hear her take on how women in STEM can continue to forge ahead! But until then, here is a little about Dr. Sarah Mayes-Tang.  

What made you want to participate in this panel discussion?

Hearing the stories of other women and being able to share my own in an understanding environment have been a huge source of support as I have progressed in my career.  Even if we “know” about unique challenges that women face in fields where they are underrepresented, there is something special that happens when we share and talk about our experiences.  I am also excited for the opportunity to connect with other local women in STEM.

What are some things you do outside of work to help you develop personally and professionally?

Reading. I try to read widely, but am not afraid to put down any book that I don’t enjoy, even if I think it would be beneficial. Physical activity. My exercise routine looks a lot different than it did a few years ago, but ensuring that my body functions well is important in ensuring that I am able to do my best work. Restoration. I am understanding the importance of rest and relaxation in developing a successful career more and more each year.  Some of my favourite ways to unplug include baking, playing piano, and exploring new places with my husband.

What has been the biggest learning curve in your career?

The biggest learning curve in my career was at the beginning of my first continuing faculty job.  Up until that point, my success had always seemed to be based largely on the quality of my work; if I worked hard I would find a way forward.  Suddenly, I found myself in a position where good work wasn’t enough, students seemed to be comparing me to their vision of what a mathematician “should” look like or be, and it felt as though I had hit an impenetrable wall.  Eventually, things got better as some students began to trust me and word spread that I was a good teacher. I became successful in my position.  Through this experience, however, I learned that we don’t always have control over how others perceive women in STEM and that it is important to surround yourself with a supportive community.

When you think about your journey thus far, what would you say was the one trait that helped you get you to where you are today?

My strong drive to learn has been instrumental throughout my journey.  Loving learning and discovering new things is key to making it through graduate school, but plays an even bigger role in being a faculty member.  I see this as an essential part of my job as a professor;  whenever I get away from learning new things my work becomes stagnant.  Although I am a mathematician, I prioritize learning about a variety of subjects (education, history, medicine, computer science, leadership, sociology, etc.).  I am constantly surprised about where I stumble upon connections to, and inspiration for my work! 

What advice would you give to other women working in STEM?

Find people with whom you can talk openly and honestly about the struggles that you face in your career.  Having friends or colleagues who will be reliable cheerleaders when things get tough can be a tremendous support.  They do not need to be in STEM themselves - some of my greatest professional supports are not - but you should be able to rely on them to accept the barriers that you face.

Who do you look up to, and why?

I think that I could write a book about all of the people that I look up to! Here are three, in brief.  A friend, Bianca Brigidi, is one of the wisest and most eloquent women I know - she always seems to know exactly what to say in difficult situations. My mom, Ann Mayes, has built communities and a family with grace and is a pillar of strength in my life.  My PhD supervisor (aka my “academic mom”), Karen Smith, is a tremendously accomplished mathematician but she spends a great deal of time and effort supporting young mathematicians, particularly those from underrepresented groups.

Sarah Mayes-Tang received her undergraduate degree in mathematics from Queen’s University, and her Master’s and PhD degrees in pure mathematics from the University of Michigan.   Her dissertation was in computational algebra and algebraic geometry, and investigated questions about infinite collections of polynomials. After receiving her PhD, Dr. Mayes-Tang joined the faculty of Quest University Canada, a liberal arts institution in British Columbia dedicated to undergraduate education.  While there, she developed and taught innovative courses in both traditional and non-traditional areas including calculus, abstract algebra, cryptology, creativity in mathematics, and knowledge.  She also initiated and led several University-level projects. Following four years at Quest, Dr. Mayes-Tang moved to the Department of Mathematics at the University of Toronto.  She currently leads a team of instructors and TAs as coordinator for the University’s largest-enrollment calculus sequence.  Her current projects include documenting the experiences of women teachers and students in math classrooms, developing programs to support TAs, and helping students to develop positive attitudes towards mathematics. 

Reimagining Work Culture: Women’s Empowerment and Female Leadership in the Spotlight

Event attendance is an important facet to career building. Conferences in particular lend a unique opportunity to gain knowledge from leaders and visionaries. Absorb all that you can from the speakers, and take time to network with attendees too. The conference is your icebreaker and silent acknowledgement that there is an alignment already. Use that mutual interest to drive the conversation and dig deeper to fulfill your overall goal for attending.

I spent a day at the Leaders and Icons Conference held into Toronto, which promised to “take [me] on an educational journey, highlighting lessons from those at the forefront of business, politics and innovation.” Through conversation and engagement, it quickly became clear that major topics encompassing women’s empowerment and female leadership have transcended to all industries and sectors. Memorable takeaways were shared by speakers Peter Aceto, Joanne Lipman, and Vicki Saunders.

Peter Aceto former President and CEO of Tangerine shared the insight and experience of a leader. He spoke of transformative leadership through three areas of thinking in business that need to be transformed: leadership, innovation, and diversity. His focus on diversity stressed the importance of ethnic representation, and female leadership. Presenting statistics and models showcasing the high return that is seen when a female is given leadership opportunity. His talk not only provided tangible evidence but also spoke to the social importance of this change in culture that is seen as long overdue in the business sector. 

Joanne Lipman, author of That’s What She Said: What Men Need to Know About Working Together and former Editor-in-Chief of USA Today, was interviewed by gender equity advocate Caroline Codsi. Lipman spoke passionately through her experience and stories shared by other females colleagues in the industry, of the difficulties and barriers of being a female in business. For those interested in reading her book, she presented topics that provide women with skills to navigate in the workforce. It is written as a solution-based tool and expresses the importance that change needs to come from the top. She emphasized that women are already doing plenty to receive recognition, and now it is up to the men to step up. 

Vicki Saunders’ message resonates. She is founder of SheEO, an international non-profit organization that empowers women entrepreneurs and innovators. Her non-profit can be described as a form of ‘radical generosity’ whereby women copower each other by contributing to a pooled fund that is later distributed to start-up companies and female business owners. Saunders expressed that “women are not a niche” and drove home the importance of recognition. SheEO directly contributes to women entrepreneurs of today, while ensuring that the pooled fund is accessible to future generations. SheEO provides mentorship programs, coaching, and other skill development programs. These services are provided not so that others can run your business for you, but to provide women with the tools to be a successful as possible on their own terms.

After a wonderful day of engaging with the guest speakers, panelists, and those in attendance it was clear that the strive for alternative leadership methods and gender equity is at the forefront of conversation across all industries. Every speaker recommended a diverse work culture that is supportive, motivating, and encouraging of risk-taking -- all of which are similar values, long-term visions, and targeted goals that YWiB Toronto has in place for the community.  

Financial Fitness Bootcamp: Event Recap

As a young woman starting out on my journey to adulthood, I’ve slowly come to the realization that it is a lot harder than anyone ever told me. Case in point: my finances. Growing up we are hardly taught in school how to be financially responsible, so unless you are lucky enough to have parents that would discuss finances, most of us are left to figure it out on our own. This is especially hard for women as the traditional role in the household has not been one responsible for financial decisions.

This past weekend, with the help of Darlene Patgunarajah, Melanie Laing, and Emilia Romano, YWiB Toronto held its Financial Fitness Bootcamp to help introduce key concepts and important information to a group of women (and men) interested in taking control of their finances. Some of the takeaways from the workshop include:

Pay yourself first

Savings and investments are an important part of building a financial safeguard. Having a mix of savings (RSPs, TFSA, long-term, short-term and emergency funds) and investments (mutual funds, GICs, stocks, etc.), are key to becoming financially secure, but having all these accounts can leave you feeling overwhelmed and intimidated. To combat this, our financial advisors suggest setting up automatic transfers to your savings and investment accounts. At first it might seem scary having money automatically come out of your account, but after a while you adjust and learn to live within what’s left. Remember it’s not about how much you make, but how much you spend.

Get a Financial Planner that suits you

For many of us, finances is a stressful topic, especially when we deal with it on our own. Luckily, there are people out there to support you. Financial Planners/Advisors are a great resource for helping you derive a plan for your future by looking at the big picture. The key is finding one that reflects your comfort level. If you are a conservative investor, a Financial Planner that is more aggressive isn’t for you, and vise-versa. Money and finances are already anxiety-provoking topics so finding someone that you are comfortable with is key to creating a financial plan suited for you and your needs. When looking for a Financial Planner, don’t be afraid to shop around and even interview them, they are there to provide a service that you are paying for, so don’t settle for the first one you meet.

Get insured

Like many others my age, I didn’t really think I needed insurance because I don’t have any dependents or assets that may be at risk if something were to happen to me. But the truth is you do, and it’s actually better to get it at a younger age. Not only are you more likely to pay lower premiums (because you are young and healthy), but it also helps when you are ready to buy a house and it will help your family with any remaining costs/debts (i.e. funeral costs, remaining student debt, co-signers on your mortgage, etc.).

Re-evaluate your Mindset

As one of our facilitators Darlene put it “the biggest detractor to success in financial health is mindset”. With that said, it’s important that as young women we take the time to think about our relationship with money and address our unhealthy habits/attitudes. Whether you grew up with parents who were tight with their money, or ones that bought any and everything, we all hold certain ideologies towards our finances. Deciphering those attitudes is as much a part of financial planning as budgeting and saving; no matter how good your financial plan is, it is useless if we can’t follow through with it. Do you really need that new pair of shoes? Can you wait a couple more months for that vacation? Changing your relationship with money changes your priorities.

Leaving the workshop, I felt empowered and excited about conquering my financials. For me, the biggest take away from the workshop was realizing that it’s okay to not know everything, because there are people out there to help. There is an abundance of information available to you - all you must do is ask. Taking on the challenge that is financial planning becomes a lot easier when you start asking questions because once you start you’ll never stop.  

Other Resources:

The Wealthy Barber & The Wealthy Barber Returns - David Chilton

The Debt Escape Plan - Beverly Harzog

It's Your Money: Becoming a Woman of Independent Means - Gail Vaz-Oxlade

Nudge - Richard Thaler and Cass Sunstein

The Art of Money - by Bari Tessler

Written by: Ashleigh H.

Financial Fitness Bootcamp: Darlene Patgunarajah

Ready to get your finances in order? Join our Financial Fitness Bootcamp on January 27th to tackle those holiday bills and start your year right. Get your ticket now.

It’s 2018 which means it’s time to set some goals! Whether you are looking to pay off that school loan or open your own business, getting your finances in order is a pivotal part of your success in the new year. That’s why YWiB Toronto has teamed up with Darlene Patgunarajah  to talk about the importance of financial literacy and the misconceptions young people have about their finances.

How and why did you get involved in financial literacy?

Education has always been a common thread throughout my career.  In healthcare, teaching is an important part of the health professional’s relationship with their patients.  As a financial advisor, education is also a significant part of the client-advisor relationship.  Without knowledge and some basic literacy - whether in relation to your health or your finances - you can’t make informed and educated decisions about either.

Do you think most young people today have a grasp on their finances?

My short answer is “No”, but it depends on the person. With young people there are a lot of misconceptions around finances tied in with the need for immediate gratification. People are looking for a quick buck, and not at the long-term planning it usually takes.  We were never taught about finances at any point during our school years, so there is very poor financial literacy going into adulthood. People are learning through observing what their friends and family are doing, or hearing through media the hottest stock picks while at the same time becoming disillusioned by insane house prices. Learning it as you face the realities of being an adult isn’t the best way to go about it.

What do you think is the biggest misconception young people have when it comes to finances?

There’s this consumer mentality that everyone needs to have the latest tech, trendiest clothes or most epic experience.  With the blow up of social media it takes “keeping up with the Joneses’” to a whole new level. It screws up their perception of reality and they’re not being smart about their choices and priorities. They’re afraid to say no to the bachelorette party in Miami and there’s a pressure there.  It’s that whole YOLO or FOMO culture. That, combined with money having been so cheap to borrow, snowballs into a huge problem with debt and financial stability.

Why do you think financial literacy is particularly important for women?

Women are now equal in terms of their economic power.  We (women) are making the money and the decisions around it.  There is no longer a dependency on a partner for our financial stability.   Combined with the fact that women are also becoming more entrepreneurial, its even more important now that we have a solid understanding of how money works.

What is a personal lesson you learned about financials, saving or investing that you want to pass to our audience?

The biggest detractor to success in financial health is mindset.  As children we’ve internalized the relationship our parents had with money, their beliefs and values, which then informs our own relationship with money. In many cases, our handling of money is a reflection of our own self-worth and beliefs about ourselves. Unless part of your financial coaching or planning addresses the emotions around money, you won’t have the discipline or the emotional capacity to follow it. It’s not just about getting a plan in place or saving money, its about figuring out what are your deep-down money scripts and dialogues are making conscious efforts to reprogram it.

Darlene's professional experience is rooted in healthcare and teaching - which has given her a unique perspective and passionate approach to financial health and financial literacy.  She believes that at the heart of the financial advising profession is education, collaboration, and relationship building.  She is enthusiastic about integrating technology not only into her practice for efficient administration but also for enabling better client engagement.   She serves clients all over the GTA, developing a niche in the small business owner community.  She lives with her husband and her two young and very energetic sons in Vaughan.

Written by: Ashleigh H.

Financial Fitness Bootcamp: Melanie Laing

Ready to get your finances in order? Join our Financial Fitness Bootcamp on January 27th to tackle those holiday bills and start your year right. Get your ticket now.

It’s officially 2018! 'Tis the season of New Year resolutions and goal setting. In 2018, the ladies of YWiB Toronto want you to be able to take control of your financials. Finance isn’t always a trendy topic, but it’s an important one for us to understand so that we’re able to achieve whatever we want in our lives.

While we understand the importance of financial literacy, we can’t pretend that it is something we’re extremely knowledgeable on. That’s why we sat down with Melanie Laing, Financial Security Advisor at Freedom 55 Financial, so we can get fresh with financials. Here’s what Melanie had to say:

1. To begin, how and why did you get involved in financial literacy?

I’ve always been driven to put myself in the best financial position possible, but despite wanting to do that, I felt totally ill equipped to handle the situation on my own after graduating university and looking to buy my first home. This is a feeling I know a lot of young people have upon leaving school. During this time, I was also planning on moving to Toronto, but the timing needed to be right and I needed to figure out what I wanted to do once getting here. I started doing my research and talking to friends and family in the financial services industry in order to understand how I can help people in my role. I guess the ‘how’ of why I got involved in financial literacy is through months of deliberation and conversations with my spouse, but the ‘why’ is driven by wanting to be a part of something that not only helps people, but equips them with the tools to make informed financial decisions in today’s economy and environment.

As young people, recent graduates, entrepreneurs, etc. we cannot rely on ‘flying by the seat of our pants’ if we want to get ahead professionally or financially, so if I can help people with their goals by explaining basic financial principles to them, that is a win for me!

2. Do you think most young people today understand financial literacy? Why do you think it’s important for young people to take this seriously?

Unfortunately, I don’t think most young people today have a good understanding of financial literacy, which, to be honest, is of no fault of their own. Apart from the way in which you ‘grew’ up with money, and how conversations were handled in your household as a kid, we are left to our own devices in trying to navigate the world of personal finance. I don’t think we can stress the importance of financial literacy enough and I hope that some of the changes made to curriculums across the country will improve the attention and knowledge of young Canadians for years to come.

That being said, for those of us who were not taught the basic principles or processes required for one to take care of their personal finances, we need to take it seriously and invest the time to learn. Young people today have to take their situation and finances seriously in order to ensure they can live the life they want to live now and in the future. An environment where the majority of people’s retirements are funded by company pensions does not exist anymore, so we need to be cognizant from a young age about what steps are going to help us.

3. What is the greatest challenge your clients (and young people in general) tend to face when it comes their finances?

I think for young people in general, the greatest challenge is the fact that change is inevitable so it’s hard to know what to do when your life is changing so rapidly and big life events are occurring (think: marriage, buying a home, starting a family, growing your career). That combined with the fact that many young people are focused on eliminating student debt and getting their careers started, it can be a challenge to consider all the other aspects of your financial plan.

4. Finally, What advice would you give to young professionals in Toronto who want to live a comfortable life that allows them to have a house, car, go on vacation, etc.?

I’d have to say two things. First, it’s okay to say ‘no.’ I think young people have a tendency to do things they don’t really want to do and spend money they shouldn’t in order to keep up with their peer group or appearances, which puts them in a stressful financial position and can compromise their ability to reach more ambitious goals. Be confident in your decisions and your plan to get there.

Second, and a common saying among the financial services industry, ‘pay yourself first.’ What I mean by this is set up a savings plan where contributions are taken from your account automatically each week, month, etc. We have an amazing ability to live off the money we ‘don’t’ have, so start thinking of your savings as an financial obligation and you will be able to accomplish some of those personal finance goals like owning a home and travelling.

If you’re looking to get your finances in order this year so you can achieve your dreams, then this workshop is for you! See you on January 27th!

Written by: Kate Taylor