The Journey Out of Debt
Financial Wellness Workshop by CPA Canada
January 20, 2026 | 1:10-2:10 pm ET | 10:10-11:10 am PT | Zoom
Overview
Take the first step toward financial confidence with this beginner-friendly financial wellness workshop. The Journey Out of Debt workshop by CPA Canada will help you understand how credit works and the practical steps you can take to manage and reduce debt — even with unpredictable income, which is common for many in our industry. You’ll learn how debt accumulates, how lenders and payday loan companies operate, and what you can do to protect your financial future.
Who Should Attend
This workshop is beneficial for artists, independent creators, and freelancers in the entertainment industry, as well as anyone navigating unpredictable or fluctuating income. No prior financial knowledge is required – ideal for beginners or those who would like a refresher.
Key Takeaways
- Learn what credit is and how it works
- Understand the difference between good debt and bad debt
- Recognize the true cost of debt, especially when only making minimum payments
- Understand how payday loan companies operate and the high cost of borrowing
- Learn how debt can build up and impact future financial plans
- Explore practical strategies to take control of debt, including repayment options, dealing with creditors, understanding collection agency rules, and assessing what you owe
- Access helpful resources to support ongoing financial well-being
Important Note
Our workshops are intended to provide general information and strategies and do not offer personalized advice. The expert may not be able to answer all the questions from participants. This workshop is presented through CPA Canada’s Financial Literacy Program.
Accessibility
ASL interpretation, closed captions, and translated captions (35 languages) are available. If you require additional accommodations to make this event accessible for you, please get in touch, and we will do our best to meet your needs.
Recording
This event will be recorded. The link to the replay will be provided to all who sign up.
Register Now
Facilitator Bio
Nick Pawliwec, MBA, CPA (CGA), CPA (DE), CISA, CFE, CSQA
Nick Pawliwec (he/him) retired in 2023 after a 32-year career at CIBC and 12 years with BNP (Banque Nationale de Paris) Canada, bringing more than 44 years of banking experience. Over the course of his career, he held roles across Technology, Finance Controllership, BNP Inspection, Governance & Controls, and Internal Audit. He holds an MBA in Finance and MIS from McGill University, a Bachelor of Commerce in Economics and Finance, and several professional designations.
Nick has extensive volunteer experience with nonprofit boards, including fundraising and event coordination. He currently serves on the Finance Committee for the Newman Centre at the University of Toronto, volunteers with CPA Canada’s Financial Literacy Program, and contributes to the Education Events Committee for the Information Systems Audit & Control Association (ISACA) Toronto Chapter.
