Financial Wellness

How are you doing

We’re all learning how to navigate the new normal and some days it’s harder than others. Remember, whatever life throws your way, you can count on us. 

Now more than ever, it’s important to not only take care of our finances but also to take care of ourselves. Whether you’re trying to balance your current budget or balance your workload, careful planning and being kind to yourself can make a huge difference in the quality of your life.


If you’re facing financial challenges or other related stresses, we can help. Call us for a chat at 1.800.665.5728


Check out the tabs below for more ways to improve your financial wellness.

Budgeting made easy

Do you know where your money goes each month? If you said no, you’re not alone. At Kootenay Savings,
we wanted to make it easy for people to budget, so we created a user-friendly Spending & Savings Plan*
that makes it simple to calculate how much you make and spend.


This plan will help you see where you are now and where you can make changes to reduce your debt and save money for the future. Need help? Call 1.800.665.5728 to book an appointment with one of our financial advisors.

*The Spending & Savings Plan does not open in Internet Explorer. For best results use an alternate browser.

Opening the Spending & Savings Plan on a smartphone or tablet?  Be sure to download an Excel App
from the app store first.

Building credit history

Having a good credit history and credit score is important if you want to get a loan or a mortgage or even to rent an apartment. Your score lets lenders and landlords know how well you've managed money in the past. The better your credit score, the better your chances of being offered favourable interest rates. And lower interest rates mean more money in your pocket.
Tips from the pros
To establish a positive credit history or improve a negative one, check out these great tips from the Financial Consumer Agency of Canada.

Smart Borrowing

Unfortunately, most people go through financial difficulties at one time or another.  We’ve got options that can make getting through these tough times easier financially as well as emotionally. We call it smart borrowing.


  • Refinancing - Do you have a loan with a crippling interest rate? Consider refinancing at today’s low rates to lower your monthly payments and save you money.


  • Consolidation loan - Does your debt include high-interest credit cards? A consolidation loan can pay off all those bills and leave you with more of your pay cheque each month. 


Interested? Call 1.800.665.5728 to book an appointment with one of our loan advisors or apply online today.

Staying on track

With everything that’s happening in the world today, it’s easy to lose sight of the future. Time to take a breath and call Kootenay Savings MoneyWorks. Our financial advisors will help you create a financial plan that meets your unique needs.


Already have a plan? We recommend reviewing it with us at least once a year to make sure you’re still on track. Life changes, such as marriage, the birth of a child or a divorce, are also good signals it’s time for a review. Let’s run through your financial plan soon and ensure your peace of mind. Book an appointment today by calling 1.877.691.5769.