Manraj Waraich

Financial Educator

[Credit Counselling Society @CrdtCounselSoc]

Did you know that the 1-week waiting period for receiving EI sickness benefits has been waived? For more information and resources during this difficult time, check out our #coronavirus resource page. https://t.co/bsLEwhgImw

#COVIDCanada

[Credit Counselling Society @CrdtCounselSoc]

"Canadians took on less #debt in first quarter of 2019 — but total amount they owe is still growing" An informative read @CBCNews feat insight of our @StacyYO_CCS https://t.co/AD4QBK95FP
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#ThursdayThoughts #ThursdayMotivation #Finance #Money #Savings #DebtFree #Credit #Goals

[mymoneycoach.ca @mymoneycoach_ca]

"6 personal finance #tips to help achieve future #freedom" Check out this interesting #blog to learn more https://t.co/aFKUsax7fm
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#WednesdayWisdom #WednesdayMotivation #PersonalFinance #FinLit #Finance #Money #Debt #Savings #DebtFree #Credit #Goals #WednesdayThoughts

[Manraj Waraich @ccs_Manraj]

Check out some #Tips to #save money at the #grocery store!

https://t.co/pRBZamXC75

#budget #foodwaste #TipsForHealthySummers

[Mark Kalinowski @CCS_MarkK]

Do you know what your magic #Retirement number is?
Apparently many do but aren't doing enough to #savemoney
for it.
https://t.co/rfpYpqICww

[Manraj Waraich @ccs_Manraj]

@eyerene30 That’s really sweet.

[Manraj Waraich @ccs_Manraj]

Thanks @NAIT for having me come out and present the Budget Breakers and Food and Finance #workshops for your #employee #wellbeing day! It’s great seeing #workplaces investing in their employees!

The participants were eager to learn and share! #EmployeeEngagement #NAITisGreat

[Manraj Waraich @ccs_Manraj]

Nobody ever teaches us how to get out of #debt, so we might think #bankruptcy is the only way out. We can find out all our options by talking to a #creditcounsellor.

https://t.co/FWjRxcK8jO. #loans

[Manraj Waraich @ccs_Manraj]

@eyerene30 @eyerene30 You’re so sweet!!

[Manraj Waraich @ccs_Manraj]

Random at a lounge: You’re a Financial Educator, I need your help
Me: Do you track your expenses?
Random: No that’s not my problem, I have too many bills
Me: ...
Random: ...
#truth is unless we #track our #expenses, how can we change our #habits? #budget
https://t.co/Qtho9Q7ymL

[mymoneycoach.ca @mymoneycoach_ca]

"Retirement catch-up, getting your savings #plan back on track" An informative read @theprovince by our @nomoredebts_org https://t.co/XurmybvmcM
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#TuesdayThoughts #TuesdayMotivation #PersonalFinance #FinLit #Finance #Money #Debt #Savings #DebtFree #Credit #Retirement #Goals

[Manraj Waraich @ccs_Manraj]

@TheCentsables yes! When creating positive budgeting habits we might have moments where we slip up and fall back into our negative habits! When this happens we need to be kind to ourselves, pick ourselves up, and reintroduce those positive habits! #balance #budgeting

[The Centsables @TheCentsables]

"Financial literacy is an ongoing process. You need to continually throw out useless financial habits and replace it with new, effective ones." Francisco Colayco

[Tim St. Vincent @CCS_Tim]

I have been on holidays and while away my peer from our Edmonton office, Manraj Waraich, was kind enough to fill in for me and prepared a great article called "An affair with money: It doesn’t have to feel so dirty" Sounds spicy! Here it is for you. https://t.co/txzlQbGPBu

[Tim St. Vincent @CCS_Tim]

It's that time again! Time for my monthly article in the Pilipino Express! The topic this month is all around financial literacy! That only makes sense as November is officially Financial Literacy month! https://t.co/jkwosyvYl3

[Manraj Waraich @ccs_Manraj]

Glad to be at City Hall for the annual Conflict Resolution Day celebration! @CityofEdmonton @ADRAlberta @YourAlberta
#community #Communication

[Mark Kalinowski @CCS_MarkK]

Apparently my #sunflowers will not bloom and my #heating bill is going to go up.
Ask you utility like @ENMAX or @EPCOR if they can equalize your utilitiy payments throughout the year.
It will help you #budget and take the sting out of #cold , snowy October mornings!

[Scott Hannah @nomoredebts_org]

"Five #tips that will save you #money this #holiday season" Check out my latest @theprovince article https://t.co/9KO33PHZVT
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#MondayMotivation #PersonalFinance #FinLit #Finance #Debt #Savings #DebtFree #Credit #Christmas #Holidays #Goals

[Manraj Waraich @ccs_Manraj]

Financial Literacy in the workplace can include brochures/resources in the break room. It can also include lunch and learns regarding financial wellness topics such as budgeting, understanding credit, and ways to save.

[HR magazine @hrmagazine]

Should HR help employees struggling with debt?

[Manraj Waraich @ccs_Manraj]

#9 on this list stood out to me. We often feel pressured into home ownership, but it's not always the right fit for everyone. Run your numbers and see what works for your lifestyle and future goals.
#TuesdayThought #savemoney

[Destination: Retirement @DestinationFIRE]

Good article about the #FIRE community with some big names! https://t.co/pfUIaTEttY

[Tim St. Vincent @CCS_Tim]

Here is my latest article in the Pilipino Express, "So you are a new Canadian, eh?" #FinLit https://t.co/txzlQbGPBu