Financial Empowerment – An informative session delivered by Thunder Bay Counselling to provide training on maximizing income (benefits wayfinder online tool), importance of filing taxes, creating a simple budget and some other things like using credit wisely and watching out for scams and frauds.  The program consists of a group discussion followed by a one-on-one session.  Once the client has completed the program pay directs may be removed and a $100 financial incentive is issued.