Consumer Seminars             

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Most Canadians are living paycheck to paycheck and have no real savings or investments. The rainy days that the generation before us prepared for, are not being saved for by this generation of workers, primarily because the lifestyle they live prevents them from doing so. The roller coaster of life today is too fast and too expensive for most to keep up with, yet everyone is on it, holding on for dare life and trying to ride it out. There comes a time when one needs to slow down and get off that up and down, stomach churning, belly aching, head spinning rollercoaster and decide on a new plan, a new path and a new solution that works. In today's troubling economic times, it's being done for many. People are still not waking up to the reality that you cannot spend your way to prosperity and more than ever now "cash is king" and credit is becoming more debit.

Zero Balance Financial offers Credit Management Seminars for individuals with credit scores in need of improvement; people living from paycheck to paycheck with little savings, no investments and no real future plans.

How to increase your credit score to 700

Credit Management is necessary and this is our area of specialization. If you cannot manage the credit you have with the salary you make, then borrowing more or getting out of debt will not be successful for you. This is where we differ from the rest. We show you how to build your foundation, starting with what you have and slowly adding as we move along; an essential basis of credit management.

TOPICS COVERED (include but are not limited to)

When you attend a seminar conducted by Zero Balance Financial you are guaranteed to come away with answers to your needs because we cover all areas and aspects of your life. We have been performing seminars since 1994 and while your situation is unique to you, we know and understand your challenges and have the answers you are looking for.

Zero Balance Financial follows up each seminar session with individual consultations and a credit assessment program to get you started on the road to financial recovery.

Book your Consumer Seminar session TODAY!

Corporate Seminars

Jobs today are more difficult to hold on to or get a new one. HR managers previously told us that their employees had no need for our services because the company offered an EAP (Employee Assistance Program). Unfortunately, many EAP programs are being underfunded and slowly disappearing. We knew then as we know now that EAP programs were and are no substitute for Credit Management and the HR managers were doing a dis-service to their companies and their personnel. However, we moved on to those more visionary companies. Guess what? Today, many of those companies, still with scaled down EAP programs are calling us to come in and facilitate seminars for their employees because productivity levels have fallen dramatically. (When you are stressed over finances, it doesn't go away when you walk through the doors of your workplace, no matter how professional you are!)

The fact is, many employees have financial issues and employers don't have plans to give them all a raise or lots of overtime to help them sort out their woes. In addition, internal postings are a fraction of the entire corporate workforce. Problems do not go away when you show up for work; matter of fact, studies show they intensify during the work day!

A controlled survey recently conducted in the Greater Toronto Area revealed that 3 out of every 5 people interviewed spent their paychecks before the deposit reached their bank account. Also, 4 out of 5 consumers had less than $100 in a savings account the weekend following payday. These numbers are indicative of YOUR STAFF as well.



Book your Corporate Seminar session TODAY!



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