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A non-profit charity providing free credit counselling and debt help since 1966.

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Working three jobs to put myself through college - then finding work after college - was pretty tough.

Niki

Latest Blog Post

By Laurie Campbell
Posted on Thursday, May 28, 2015

Let’s turn to the age-old debate known as nature versus nurture. Over time as human beings, are we predisposed to act as we do largely because of our genetic make up, or is our behaviour mostly based on life teachings and our environment? As a specialist in the field of credit counselling and financial literacy, I have long put in with those who believe that one’s upbringing and education by far hold the strongest influence on behaviour, though I’ve never discounted that DNA hardwiring plays a role, too. Only recently did I discover that genetics may play a role greater than imagined,...