More News About Canada’s Looming Debt Crisis

Kathy McWilliam Uncategorized April 17, 2018 Leave a reply



Does it sound alarmist? Akin to some conspiracy theories?

Not at all. Articles are proliferating about the situation Canadian consumers find themselves in these days, and the numbers are scary,

Here are a few articles you might want to read, and decide for yourselves if there is a looming crisis to prepare for, or if you need to re-think the way you approach personal debt and personal consumption:




Will You Have to Borrow to Pay Your Bills This Year?

Record High Debt and Declining Net Worth

The Cracks Are Starting to Show


More on the Canadian Job Situation

Kathy McWilliam Uncategorized March 29, 2018 Leave a reply

Apparently the Canadian job market is still heating up, and if you are un- or under-employed, or there are bodies in your household that need to make a transition from the couch to the workplace, the news is very encouraging!

The distance from your couch to the job-site may be daunting, of course, since if you are prone in front of the TV in the Maritimes, your commute might involve moving to the opposite coast, or learning French in order to compete in the Quebec market. But we’re Canadians – we’ve always gone to the jobs, right? And right now there are nearly 400,00 vacancies out there to snap up.



Here, according to HuffPost, are the vacancy rates by province:

  1. British Columbia 3.9% (about 1 in 25 jobs)
  2. Quebec 3.4%
  3. Ontario 3.2%
  4. New Brunswick 2.7%
  5. Alberta 2.4%
  6. Manitoba 2.3%
  7. Saskatchewan 2.3%
  8. Nova Scotia 2.0%
  9. Newfoundland 1.8%
  10. PEI 1.6%

And where should you concentrate your job-hunting efforts? Indeed.com has published a report on those job types that go unfilled after being listed for 60 days, which means that employers are having a hard time finding the skills they need. Note that these are mostly small business employers, who may conceivably be inept at producing effective job descriptions, or are limited in what they can offer in compensation.

But for your information, and to encourage you to stretch what you have or learn new skills if you need them, here are the areas where you might have the  best outcomes if you apply:

  • Landscape Designer
  • Sushi Chef
  • Piano Teacher
  • Stylist
  • Tire Technician
  • Roofer
  • Pizza Cook
  • HVAC Installer
  • Pet Groomer
  • Seamstress
  • Occupational Therapist
  • Security Engineer
  • Audiovisual Technician
  • Lube Technician
  • Electronics Technician





Living with Less (and Loving It!)

Kathy McWilliam Thought Starters, Uncategorized March 27, 2018 Leave a reply

We are so consumed with consuming that we let the really good choices for our lives slip away – relegate them to the sphere of unreachable dreams, and console ourselves with a quick purchase-fix. There is so much out there to distract and tempt us to grab plastic and go shopping, with little thought to whether the choice is really going to make us happy in any kind of long-term way, or even any short-term way. It glitters, it’s sexy, it does something cute/interesting/outrageous (pick your adjective) and you can get it while it’s hot! Hot? What the heck is that and why on earth has it become important?



Stop! Just stop and take a breath. Who is all of this frantic buying for? To have something to post about (read boast about, and who needs to be known as a soul-less self-promoter, really?), ‘share’ with ‘friends’, be seen to have acquired? Real friends don’t care what gadgets you have, what drapes your body, what colour your toe-nail polish is. Real friends like your plain old face, the words (the thoughts) you share with them, the comfort and ease that your ‘being there’ brings to any room they are in.

Time to tone it down, rein it in and do a little soul-searching to find out what really matters and how you can achieve it.

If in the end you become consumed by the idea of shedding debt and achieving a goal that really matters to you, you shouldn’t be surprised to learn that you have to shed consumerism first!

Need a little inspiration on how exactly to do that? Check out Amazon for this title:

The Year of Less: How I Stopped Shopping, Gave Away My Belongings, and Discovered Life Is Worth More Than Anything You Can Buy in a Store Hardcover – Jan 16 2018

Click here:  Cait’s Book   for a little blurb on the book and pricing.