In this episode, Sue and Mike interview Mark Kalinowski, a financial educator with the Credit Counselling Society. This is a non-profit, charitable organizational that provides free consultations for people wanting support with their finances. Mark talks about some common issues people have with money, the importance of budgeting, prioritizing needs. He also provides some insight about credit scores, bankruptcy, consumer proposals and statute of limitations on debt. This episode is beneficial for those struggling with debt, are wanting some support and guidance with their finances, help with a budget and for those looking for additional resources.  As usual, the podcast ends with a Humzinger question for Mark.