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Debt centre and KSM will serve each other's clients continued from p.10 For example, KSM has family and children programs and a food bank, while CAP Canada can provide clients with debt-counselling services. "KSM can't provide those services with CAP because CAP works with the church. We're trying to help each other's clients. That's the essential part of it," said Moore. "Because we're a church in the (KSM) building, we have some crossover with clients using its programs. Some of them do come to our church, so there's a nice cross-partnership there." Besides the debt centre, the collaboration offers people CAP Canada's debt-money course, which is held at SKV and open to all KSM clients, churchgoers and those who "just need some help," Moore said. "It will help you to budget, it will help you learn some proper money-managing tools and what you need to spend it for," said Moore. To get a better understanding of CAP Canada, KSM family care co-ordinator Michelle Lockhart took the program to see how it worked. She said it teaches you to work with the money you have, no matter how much it is. "How do you live with it? That is often what I see with families. They get caught up in making some bad choices and then get stuck with credit card debt or (buy now, pay later) schemes," said Lockhart. "Some families almost get help at a time when said Norris. Wolf von Brisinski, Oakville Central debt coach, noted the centre currently has nine clients, all at different stages in their debt recovery. He said it's catering to the "most vulnerable and marginalized" people in Oakville. "When we talk to people, they're shocked to hear how many people in Oakville live below the poverty line and are struggling financially," said von Brisinski. "I can't stand seeing people in bondage through debt. That is not how we're supposed to live. Unfortunately, the majority of people in 11 | Friday, October 21, 2016 | OAKVILLE BEAVER | www.insideHALTON.com Canada (have debt)." Funding for the debt centre's launch was provided through a one-year, $11,000 grant from the Oakville Community Foundation (OCF). "This is about the church community getting engaged to give practical care to get involved. (OCF) saw the vision and understood the value and were willing to give us funds to get us started," said O'Neill. To use the free debt-counselling services, call (toll-free number) 1-855-214-9191. For more information, visit www.capcanada. org. Pastor Tim Moore it's almost too late because they're in a place where they're going to be evicted soon because they've been trying to cover up credit card debt instead of paying their rent." Helen Norris, CAP Canada church support manager, said the debt centre takes a "holistic approach" in providing one-on-one coaching. "We connect with other community groups to help meet the needs of the clients we meet. We do budgets for them and help get them debt-free. We help people with grocery shopping, we can help people go to the bank and open an account," (647) 989-1276 YY@YangAccounting.ca GOLD Ying (kimberley) Yang Chartered Professional Accountant 11-1155 North Service Rd, W, Oakville 18th Floor, 2 St. Clair Ave. W, Toronto (289) 291-3924 (647) 255-8049 HALLOWEEN TREAT DAY! FRIDAY, OCTOBER 28 6­ 8 PM TH Follow the pumpkins, get a treat! (6 ­7 pm) Featuring the Halloween Howl Monster Band (7­8 pm) Northeast corner of 3rd Line and Rebecca | southoakvillecentre.com