About Margaret Johnson

Margaret's philosophy is simple: "Your credit rating is not a reflection of your personal worth, it is merely a credit industry tool." In 1999 after spending 25 years in the financial industry in both lending and collecting, Margaret launched Solutions Credit Counselling Service Inc™ and Women and Money Inc. to help those burdened with debt regain their financial independence. Since then she's helped countless individuals become financially literate in addition to recovering their financial health. Margaret is an Insolvency Counsellor registered by Industry Canada. She is the President of The Canadian Association of Independent Credit Counselling Agencies (CAICCA) Other memberships and activities: Member - Vancouver Insolvency Discussion Group Charter Member - Canadian Insolvency Foundation Member - Association for Financial Counselling and Planning Education Member - Association of Credit and Collection Professionals - ACA International Former Vice President of Credit Professionals International (CPI) Member of the CPI board - 9 years Former Director - Surrey Public Library Volunteer - The Union Gospel Mission Volunteer - The Elizabeth Fry Society Volunteer and Mentor - Dress for Success Vancouver Volunteer - Corrections Canada, Youth Secure Detention Centre Volunteer - HRDC Self Employment Entrepreneurial Development Society Volunteer - Womens Network to Work Program Margaret is a two-time nominee for Entrepreneur of the Year, and a dedicated community leader. Margaret in the Media Margaret is the leading thinker in the field of Independent Canadian credit counselling. As a popular and respected financial speaker, Margaret is regularly sought after by the media to comment on matters of debt and credit as they affect the Canadian consumer. She is the author of many articles on credit counselling, and writes a popular advice column to promote credit education as a part of healthy living. Margaret's columns are featured on the popular Canadian Websites MyTelus.com , Shaw: Finance and Canada Home Guide . Margaret's progressive thinking keeps her in demand for public speaking engagements. She is very proud to have been a presenter at the Chapters of Health national seminar series.

It’s that time of year again where we make a fresh start. It’s like going to confession and being absolved of past sins, ugly mistakes, bad purchases, a lousy lifestyle and over-indulgences of all descriptions.

I know a lot of people feel better after taking the courage to face the truth – to sit down somewhere quiet and take stock of the last 12 months and, undoubtedly find things they could have done better – and want to do better.

Continue reading

By Margaret H. Johnson

It’s beginning to look a lot like Christmas – now that I pulled myself away from the internet and escaped to Vancouver Island to pick up my mother.

2014 has been such a busy and fulfilling year for me, for my staff and all the programs we have worked so hard to produce for our stakeholders. The wheels have been spinning so fast that I have truly been lost in the gravitational pull of daily routine and the solar heat of managing your own business. Sometimes I forget that my family and friends are all waiting on the other side of the door of duty and obligation.

Continue reading