Margaret Johnson

Margaret Johnson www.margaretjohnson.ca

President of Solutions Credit Counselling Service Inc. www.creditsolutions.ca

I am an Accredited Insolvency Counsellor, owner and CEO of two companies - Solutions Credit Counselling Inc. and Women & Money Inc. - as well as president of The Canadian Association of Independent Credit Counselling Agencies

06/11/2026

THE SEEDS WERE FOR BIRDS.
THE LESSON WAS FOR ME.

You hung the feeder in spring.

A little kindness outside the window.
Sunflower seeds.
Sweet suet.
A morning song you wanted closer to the house.

Maybe you thought only birds would come.

Maybe you thought the feeder was too small to matter.
Maybe you thought one bear visit was only a surprise, a photo, a story to tell.

But I learned.

I am a black bear.

My nose found what your eyes forgot.

Seeds on the ground.
Grease on the grill.
Garbage beside the garage.
Pet food on the porch.
A compost bin that smelled like fruit, bread, and easy calories.

The first time I came, I wasbage beside the garage.
Pet food on the porch.
A compost bin that careful.

The second time, less afraid.

The third time, I knew the pattern.

House.

Yard.

Smell.

Food.

And every easy meal took something from me.

Not my hunger.

My fear.

The fear that kept me far from doors.
The fear that kept me in the woods.
The fear that told me humans were something to avoid, not follow.

Then the calls started.

A bear at the feeder.
A bear near the trash.
A bear on the deck.
A bear too close to people.

And suddenly, the lesson I learned from your yard became the reason people said I was dangerous.

Please understand:

a bear does not have to be aggressive to be in danger.

Sometimes it only has to learn the wrong address for food.

Take down bird feeders when bears are active.

Secure trash.
Clean grills.
Bring pet food inside.
Use bear-resistant containers where needed.
Do not leave food scraps, greasy pans, or sweet smells outside.

If you see me, do not feed me.

Do not come closer for photos.
Do not block my exit.
Bring pets inside.
Stay indoors or far away.
Make sure I have a safe way to leave.

Because the seeds were for birds.

But the lesson was for me.

And the lesson was simple:

humans mean food.

That is the kind of lesson
a wild bear may not survive.

09/14/2023

"It is vital that when educating our children's brains that we do not neglect to educate their hearts".
~ Dalai Lama
www.WiseAboutBears.org

I love this - oh, what the world could learn from the critters.
09/14/2023

I love this - oh, what the world could learn from the critters.

In this moment , all the world was right .

June 21st is the launch of our first course with RightFit Advisors. Sign up now for 20% off with The Promo Code: streets...
06/16/2023

June 21st is the launch of our first course with RightFit Advisors. Sign up now for 20% off with The Promo Code: streetsmart23.

Everything you need to know about debt and credit, as well as how to take control of your finances and make credit your friend.

06/16/2023

Starts at 9.30 Pacific - its free see you there

11 Days and Counting - Beat The Banks - Take Back Control -    Your Financial Liberation Program
11/23/2021

11 Days and Counting - Beat The Banks - Take Back Control - Your Financial Liberation Program

03/18/2020

The Prime Minister announced financial aid packages for all Canadians.

When it comes to your mortgage, please contact your financial institution and mortgage lender to discuss your options for payment deferrals.

Short List.
FIRST NATIONAL - 1-888-488-0794
MANULIFE - 1-877-765-2265
MCAP - 1-800-265-2624
RFA (Including Street Capital)- 1-877-416-7873
RMG - 1-866-809-5800
SCOTIA - 1-800-472-5842 or the Williams Lake Branch @ 1-250-392-1700
TD - 1-866-222-3456 or the Williams Lake Branch @ 250-305-2975

Full List:
B2B 1 800 263 8349
BMO 1-877-895-3278
Bridgewater 1-866-243-4301
CIBC 1-800-465-2422
CMLS 1-888-995-2657
Optimum 1-866-441-3775
Equitable 1-888-334-3313
First National 1-888-488-0794
Home Trust 1-855-270-3630
HSBC 1-888-310-4722
ICICI 1-888-424-2422
Manulife 1-877-765-2265
MCAP 1-800-265-2624
Merix 1-877-637-4911
Marathon 1-855-503-6060
RBC 1-866-809-5800
RFA 1-877-416-7873
RMG 1-866-809-5800
Scotia 1-800-472-6842
Servus 1-877-378-8728
Street Capital 1-866-683-8090
TD 1-866-222-3456

11/28/2019

Adopted dogs AND foster dogs

06/03/2019

I have been waiting for this one since the moment I talked to Margaret from WomenandMoneyinc.! If you are in the Spring Series tomorrow's class with be transformative in how your relationship to money impacts all other areas of your life! It really is a BIG picture!

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Surrey, BC
V3R6Y8

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Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
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Friday 8:30am - 5pm

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