Hi friends and welcome to the papaya podcast. I'm your hostess, Try and Hermostis, Sarah Nicole,

and each week I'm going to be dishing out some sweetness mixed in with some seeds of wisdom

or something like that. So get ready to get inspired, get candid, get real, because we are all in this digital

space together. All right, everyone, welcome back. We actually have a special episode of the

Papaya podcast because this one is brought to you by PC Financial. I'm thrilled to be having a

real conversation today around managing finances

this holiday season and how we can turn holiday spending into rewards and make gift

giving and festive shopping more rewarding thanks to the no annual fee PC MasterCard.

Now that all sounds lovely, but this one hits close to home for me. As you may remember or know from me

sharing this story before, my second holiday season as a single mom was my first time living

on my own and running my own finances. And our dog ate gum that landed her in the veterinary

emergency. After my divorce, I was feeling lost

and ashamed with my lack of financial literacy and while in the grocery store stepped into a

PC financial booth to talk to somebody to get started. That's actually my real story of how

this all began. The woman there was not only helpful to me to get set up with

a bank account and a new PC MasterC card, but she empowered me that day. I learned to earn and save

PC optimum points over the next year and a bit, all leading up to the moment our dog was in the

veterinary hospital. Those points were exactly how we got through that holiday season, from groceries

to gifts. We had a full

Christmas, a now healthy dog at home and all. And I've never looked at credit card point systems the

same again. I'd like to welcome our guests today to chat through more about this to hopefully

help even one more family earn and redeem rewards from their credit card,

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