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Hi, I'm Pamela!
Your Financial Literacy Counsellor
+ fellow financially empowered woman
I have successfully helped hundreds of women improve their relationship with money, balance their budgets, address their financial trauma, and save for the future so they can start living the life they REALLY want to live.
Want to talk? Send me an email: pamela@sanddollar.co
Sand Dollar Financial Literacy Counselling is located in Ottawa, Ontario, the unceded, Territory of the Anishinaabe Algonquin Nation.
I believe every woman deserves to be aware of her relationship with money, confident in her abilities to manage her finances, and be self-sufficient in her approach.
Showing
The Love
Pam has been my lighthouse for a while. She has helped me manage my finances before the COVID-19 crisis and continues to guide me with her professionalism, honesty and compassion. I feel calm and reassured to have her by my side. I would recommend Pam to be your Financial Literacy and Credit Counsellor in a heartbeat.
My wife and I contacted Pamela to help us organize our finances as we seemed to be living paycheck to paycheck. She helped us simplify our finances and plan for ongoing expenses and save for various other items such as travel, new car, home maintenance etc. Pamela was very pleasant to work with and never judged us on past practices; she taught us to move forward with our finances. I highly recommend Pamela George as she helped us demystify our finances and plan for the future.
It has been a pleasure working with you and we keep being happily surprised by how much this system is helping. Looking at our bank account is no longer stressful!
Pamela George’s program was exactly what my husband and I needed to start working better together as a financial team. Pamela’s approach really helped us understand our financial values and build healthy financial habits together. On an individual level, the program was instrumental for me to begin investing in myself again. By budgeting for my passions and priorities I was able to move forward on some life goals in an empowered way. I would recommend Pamela to anyone who is looking to get their house in good order and take control of their finances.
I lost my job 3 months into the pandemic. I used some of my payout money to hire Pamela to help me figure out what to do. She got me set up with a budget and a plan to pay off my debt, on my own and without damaging my credit. By month two, I was already saving towards my emergency fund (something I've never had). I am now employed again and I am excited about my future. I feel in control of my money and my life. I will even say I feel empowered which is something Pamela talks about often in her sessions.
Jumping in to work on my money issues at the beginning of the pandemic (March 2020) with Pamela was a total game-changer. Even with big life changes and a single income I've managed to save more money than ever, live debt-free and have money left over to invest (in the market and myself). Her step-by-step guidance was exactly what I needed. If you want to regain control of your finances - Pamela is the person I'd recommend!
By working with Pamela I was able to move forward to a place of comfort regarding my retirement needs. She shares valuable resources and her budgeting assistance helped me to become intentional with my spending and saving. She is a strong empowered woman and it was helpful to learn and borrow from this strength as I shift my life to one of empowerment as well.
Thank you so much for your expertise. It has been life-changing. Already debt-free, the Money Empowerment Session helped to answer the question, “What’s next?” You helped me to align my personal values and needs with my financial resources and create a vision that is both meaningful and fiscally responsible. Your openness and insight were invaluable. I now have the freedom to enjoy my money and feel secure about the future. Your guidance will be something that I will carry with me well into the future.
I started to work with Pamela at the beginning of the pandemic. I had about $40,000 in consumer debt and no savings. I felt like a failure. Now 16 months later, I am well on my way to being debt-free in 2022, without damaging my credit (someone else told me I had no choice - that damaging my credit was the only way). I have an emergency fund, I'm saving towards my retirement and I am no longer intimidated by money. Best of all, I can finally afford to go to Costa Rica. My trip is booked and I am almost packed.
Pamela completely transformed our financial situation and our understanding of how we spend and manage our money. She helped us set up a step-by-step plan that has put us on the path to financial prosperity. She expertly addressed our fears and anxieties, replacing them with knowledge and skills. Pamela is a joy to work with, and we recommend her services unreservedly – she is the best financial investment that we have ever made.
Pamela was such a pleasure to work with. She was friendly and encouraging throughout, always helpful, thoughtful with both tools and expert advice on how to either tweak (or overhaul) money management habits that had been causing daily stress and could have led to potential hardship down the road. She guided us through developing a personal budget that met our needs without feeling restrictive and suggested more realistic approaches to managing debt and maximizing our savings. Our work with Pamela has set us on a new path toward achieving financial security in both the short and long term. Admittedly, we were nervous about the cost of engaging Pamela’s services, but we have easily saved that cost and more by applying the new skills and knowledge that she provided us. In short, thanks to our work with Pamela, we find ourselves on a path towards a stronger and more secure financial footing.
I came very close to quitting my business in 2019. Pamela is one of the reasons why I’ve been able to turn matters around. She has helped me to effectively manage my incoming funds, set a personal and a business expenses budget, and has put me on a path to repair the damage I have done to my credit. Along the way, she has provided me with support and guidance and is extremely generous with her time. For the first time in five years, I feel as though I am finally on a path toward financial independence with my business. I am so grateful to her. If you or anyone that you know is struggling to find their financial footing as a business owner, I highly recommend that they reach out to Pamela!
6 years ago, I lost most of my possessions, my car and claimed bankruptcy because of a nasty divorce. I lived in dumps, my main meal choices were tuna or peanut butter for the first two years, and most of what I had was given to me or found for almost free. I moved 7 times in 6 years. I dreamed of having a beautiful home again, but I never thought I would. Over the past 4 years, I have managed to purchase new things to replace what I’d lost, and recently, I purchased… A HOUSE, thanks to Pamela George! She is my financial counsellor and was instrumental in helping me obtain my home and financial stability, AND I feel empowered. I still need to pinch myself to make sure I’m not dreaming. I would HIGHLY recommend Pamela. Thank you, Pamela, you really made my dream come true!
January 2020, I had about $30,000 in consumer debt. November 2020, I am consumer-debt-free. PLUS, my credit score is now 768 – I remember it being in the 500 just last year. Thank you, Pam, I couldn’t do this without you”
I just wanted to again say thank you so much for all the guidance and support you have provided to me over the past year or so. People often say “I don’t know what I would have done without you” but in my case, I do know that I would be bankrupt right now if it weren’t for your help and advice. Thank you for your caring and your empathy, and for your knowledge and your skill. You’ve made a very stressful situation much easier to handle and I’m forever grateful to you for that.
From the time we started, my debt has gone down by almost $30,000, and my husband’s Visa bill has gone down from almost $47,000 to just under $18,000. We have just under $3,000 in emergency savings and we are on track with our savings goals. The best news is that we are well underway to meeting our debt-free goal by March 2023! We still have a LOT of debt, but I am feeling so much more confident now that we will actually be able to pay it off, and then be able to actually focus on savings & investments for retirement. Your budgeting and guidance have been everything to make this happen. I could not have done it without you, and I am so deeply grateful for your help & guidance. I thank you very much.
Since working with Pamela my attitude towards money has changed and for the first time in a long time, I feel like I am in the driver’s seat when it comes to my finances.I have been to many financial institutions seeking financial guidance only to be sold an additional product. Working with Pamela is different, she is passionate about her work, cares about the success of her clients and does this work out of purpose not quotas that must be met.Pamela has provided a clear path and methods so that I can now live within my means reducing much of my stress around my finances. She has also provided peace of mind and that is truly priceless.
Before meeting Pamela, my wife and I had been stuck in never-ending debt. No matter how we tried, it felt like the load was never going down.We met with another financial expert who seemed to cringe at our situation and suggested we consider filing for Bankruptcy. This was not encouraging at all nor was it a viable plan.Once Pamela entered the picture, our future became much brighter. She quickly got our finances organized and worked on our business and personal budgets.Nearly six months after our first meeting, I had a very large unexpected expense that had to be taken care of immediately. The old me would have been unable to handle this financial crisis and would have needed to dig deeper and deeper into debt just to survive.Because of Pamela’s financial plan, I was able to cover this expense without resorting to debt. I didn’t even have to change my lifestyle at all and was still able to continue savings for the future. This sense of relief and peace of mind is PRICELESS.
Pamela was instrumental in helping me sort out my business and personal finances with a straightforward, easy to follow plan. Her guidance will ensure that my business has a safety financial net while still eliminating consumer debt. Thank you for sharing your experience in developing a wonderfully organized, financial plan.
When a friend suggested I contact Pam, my husband was immediately on board. Me? Not so much. I never liked talking about money with anyone outside my family. But I knew we needed to figure out a better way to manage our money. We weren’t panicking and we weren’t in crisis, but we definitely had some important opportunities we were missing and, most importantly, we were motivated.Pam helped get us organized and on track with a plan. (I love plans!) And now we have one that factors in the life we want to live and the goals we want to achieve. Pam’s warm, helpful approach helped me get over my initial hesitancy. In fact, there are few people I’ve enjoyed working with more than Pam.Don’t wait, hesitate or let your fears keep you from working with someone like Pam to find the opportunities you’re missing in your finances.
To be honest, I have never learned how to properly budget, which caused my debts to gradually increase over time. Pamela George has helped me organize my finances to the last penny. I know now with confidence and a timeline that I will be able to reach my goals. A huge weight has been lifted! I know that Pamela will always be there to answer questions and reassure me that anything is possible. I would recommend Pamela George in a heartbeat (I already have).
I had the pleasure of working with Pamela. I do have to admit that I had my reservations in the beginning, mainly about spending more money. I now have to say that it was one of my smartest decisions.Pamela is very nice, down-to-earth, and easy to talk to. I never felt judged about my financial situation. I was happy to learn how to properly organize my business and personal finances. In a short period of time, I started feeling that I was gaining control of my finances and debt repayment. I now feel there is light at the end of that tunnel.
In April this year, I contacted Pamela and asked for her help with my finances.She gladly accepted and did a full analysis of my financial situation at the time and asked many questions.She made a few suggestions to cut back on certain expenses in order to balance my budget. It was not easy but I had her full support. If I needed to vent, she was always there to listen. It was greatly appreciated.I’ve been extremely impressed that she really cares about her clients and it shows.She helped me to balance my budget and followed up periodically to ensure that I stayed on track and answered any questions that I had.She also taught how save money for my future. She is passionate and loves to help her clients achieve their goals.I highly recommend Pamela for all your financial needs. She’s professional, organized and experienced. She’s also very funny, positive sincere, kind and cares.Thanks, Pamela, for all your help and giving me peace of mind. You’re great.
Pam has been my lighthouse for a while. She has helped me manage my finances before the COVID-19 crisis and continues to guide me with her professionalism, honesty and compassion. I feel calm and reassured to have her by my side. I would recommend Pam to be your Financial Literacy and Credit Counsellor in a heartbeat.
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How It Started
Born into poverty and raised by an illiterate mother Pamela George, a first-generation Canadian, now counsels numerous influential Canadian women, about the power of financial literacy counselling.
Originally from Trinidad and Tobago, Pamela spent the first 25 years of her life struggling and living in poverty. She was subjected to bullying, humiliation, and abuse, all because she was poor.
Her mother couldn’t read or write but was very good with money. Still though, she made some terrible money mistakes that ripped the family apart and caused her and her two youngest children, one of whom included Pamela, to be homeless for many years. The effects of which are still being felt four generations later.
Pamela believes that if her mother fully understood how money worked, educated herself on how to manage it, and healed from her money trauma, those mistakes could have been avoided.
You can understand why – at a very young age – Pamela promised herself to not follow the same fate as her mother. She was able to:
- break the cycle of poverty
- heal from her childhood money trauma and
- stand proud today as a financially empowered woman!
Now, Pamela teaches women how to be Financially Empowered through her signature system: The 7 Pillars of Money Management Framework.
If you’re a woman who is ready to:
- heal from your money trauma
- improve your relationship with money
- start building generational wealth for you and your future generation
then book a call to speak with Pamela.
Pamela speaks on several media platforms, including CBC, Global and CTV, to in-person audiences and in her private practice about improving our relationship with money, making smarter money decisions, ditching shame, and building generational wealth.
ABOUT THE COMPANY
In 2018, Pamela George started Pamela George Financial Literacy Inc. because she wanted to offer something that she felt was lacking in the industry: unbiased and impartial financial advice to people seeking help with managing their finances.
Five years later, offering unbiased and impartial financial advice remains the cornerstone of the business.
In 2022, to match the growth and new vision for her business, Pamela decided to do a total rebranding of her company and Sand Dollar Financial Literacy Counselling Inc was born.
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Growing up in poverty, Pamela remembers how many people, most of them strangers, helped her and her mom and sister with acts of kindness: food, used clothing, transportation, and medication. Now with her own company and having the means to make a difference, Pamela decided, in addition to the profit only bottom line, she would also focus on giving back.
Here are some of the charities and ways that Sand Dollar FLC Inc. has given back over the years:
❃ Ottawa Food Bank
❃ Bursary to Algonquin College
❃ Big Sky Animal Sanctuary
❃ The Well Drop-In Women’s Shelter
❃ Forest Ontario
❃ Tungasuvvingat Inuit: Alluriarniq – To help Inuit women exit sex trafficking and sex trade situations
❃ Mamisarvik Healing Centre
❃ Parkdale Food cupboard
❃ Scholarships and pro bono counselling to women who need, but cannot afford, the services
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Ever evolving and growing, Pamela discovered a concept that felt totally aligned with her philosophy for her business: The Quadruple Bottom Line.
Accordingly, Sand Dollar Financial Literacy Counselling Inc has pledged to follow these four (4) guiding principles in the execution of its business:
People:
- Employees and Contractors will be paid a thriving wage.
- Health and well-being, including mental health, will always take precedence over results and productivity.
- Recognize and support marginalized communities/populations.
Planet:
- Practice the 4 Rs of green living: Reduce, Reuse, Recycle and Repurpose
Profits:
- Profits from Sand Dollar FLC Inc. will be used in ways that will have a positive impact on the world.
- Ten percent of profits will go to Oceana Canada “to make our oceans as rich, healthy and abundant as they once were.”
Purpose:
- Level the world’s financial playing field for women while building a sustainable business that puts people and the planet ahead of profits.
