Forgive Yourself

Last month, with Easter, Passover, and Ramadan coinciding, Christians, Jews, and Muslims shared similar motivations for realizing forgiveness towards others, and reflecting on the past in order to be a better person.

Whether or not you’re religious, self-forgiveness is also important in achieving your financial goals, letting bygones be bygones, rather than dwelling on what could have been if you had made different choices. Women especially, have so many emotions wrapped up with money and financial security. We may feel shame that we haven’t taken an interest in our finances, guilt that we haven’t saved enough or we may feel undeserving of success. Trauma and mistakes from the past can be deeply ingrained in our psyche and affect many relationships, including the one we have with money

Although you can’t change the past, you can certainly learn from it, allowing you to move forward more confidently, having learned the lessons life had to teach you, helping you make better choices in the future. You can begin planning for the future now, by taking concrete steps. I've sometimes said the best time to invest is 20 years ago, and the second best time is today. A financial plan can provide a road map to show if you are heading in the direction you want to go and what you need to do to get there.

A successful financial strategy is a journey, taken in small steps. And you have me in your corner. Let’s talk about how to react in this changing environment, to help keep you on the path to pursuing your goals.

For over 20 years as a financial advisor in Toronto, Francine has helped hundreds of families in the GTA. Clients appreciate her non-judgemental approach, as well as her patience and open mindedness. Currently, she specializes in working with women transitioning into retirement. She has been an advisor with Carte Financial Services Inc. and Carte Wealth Management Inc. since the summer of 2016 where independence allows her to provide the best service and products to her clients. Contact Francine through