For more than 12 years, Patricia Hynes has been helping Newfoundlanders and Labradorians rebuild their financial confidence and regain control of their lives.

Her approach is rooted in compassion and practicality: meeting every client where they are and helping them find a path forward that feels achievable.

One story that stays with Patricia is that of a single mother working hard to complete her education while raising her family. Patricia helped her build a budget, set goals, and stay on track through the toughest moments. When that client graduated with top honours and landed a government job, she sent Patricia her report card and certificate as a thank-you. “To me it was just my job,” Patricia says, “but to her, I was a lifeline.”

Patricia’s proudest moments come when she sees individuals who once felt hopeless now standing tall: managing their money, saving when they can, and handling life’s challenges with confidence. She believes that financial recovery isn’t just about numbers — it’s about rebuilding self-esteem, reducing shame, and helping people see that they are not failures.

Her kindness extends far beyond the office. Patricia once helped an elderly woman who arrived for her appointment drenched from walking an hour in the rain. Learning she had no food at home, Patricia personally drove her to the food bank and ensured she got the help she needed. Weeks later, the woman’s family returned to thank her for her care.

After decades in financial service, Patricia has learned that most debt doesn’t come from want — it comes from need, from the rising cost of living, from illness, from simply trying to get by. And she believes no one should ever feel ashamed for seeking help.