Finances: Post-Arrival
Roles and Responsibilities
Download the Finances: Post-Arrival sheet here
Download the entire AURA Sponsorship Handbook here

Plan a Budget Meeting with Newcomers:
After a family/individual arrives, it is important to arrange a semi-formal meeting and explain how the finances will work month by month. Remember, budget conversations may not be natural or comfortable, but are absolutely essential for a successful sponsorship. Communication is key, and developing an approach that reflects the specific needs/experience of the newcomers means that every budget plan is unique. Some people will need more support than others.

• AURA policy requires tenant/renters insurance, typically provided in a package covering liability and property.
• The concept of utilities, electric heat and water being billed separately may be new for some.

Phones and Internet:
• AURA policy requires that sponsors provide internet access and a working computer for each family and a cell phone for each adult.
• Research available plans ahead of time to provide newcomers with options, if possible and explain prepaid vs monthly billing.

Banking and Bills:
• Set up a bank account with the newcomers in the first few days. Consider location, fees, benefits, and multilingual staff.
• Explain ATM fees, cheques, direct deposit, credit vs debit, charges etc.
• Explain how to pay bills and the importance of paying them on time. Help with this in the beginning if need be, but ensure that over time newcomers do this independently.

Credit Cards: • Do not co-sign a credit card.
• Sponsors are not responsible for debts incurred by those sponsored.
• Warn/inform of the risks associated with credit cards and companies that recruit customers.

Inaccessible Income Sources:
• Social Assistance - sponsored newcomers only become eligible for Ontario Works when the sponsorship period ends, not before.
• Food Banks – people you sponsor should never access a foodbank.

Other Income Supports:
• Blended Visa Office Referred (BVORs) families receive 6 months of financial assistance from the government’s Resettlement Assistance Program.
• Families with children are eligible for Canada Child Benefit (CCB).
• CCB payments CANNOT replace funds provided by the sponsors in a projected budget. This is an additional source of income for families with children. The application takes several months to process and the first payment is retroactive which means it may be very large.

• AURA policy states that employment is not to come at the expense of ESL classes and any/all work must be approved by the AURA Executive Director.
• Explain the reasoning behind this; the sponsorship is an opportunity to develop language skills to enable more lucrative and meaningful employment long-term.

Living on a Budget:
Help establish healthy financial habits and connections to resources, including:
• Second hand stores
• No Frills vs. Whole Foods
• Free activities (community centers, festivals, outdoor activities, free public spaces, recreation, etc...)
• Subsidies, discounts etc. • Connect with your Public Library!

Additional Supports Available for Eligible Families:
Healthy Smiles Ontario:
A government-funded dental program that provides free dental services for children 17 years old and under from low-income households.
Ontario Electricity Support Program:
A program that provides ongoing monthly bill payment support to low-income consumers.
Toronto Welcome Policy (Toronto):
A fee subsidy program to help low-income individuals and families access cityoperated recreation programs.
Child Care Fee Subsidy (Toronto):
A subsidy program that helps financially eligible parents who study/work full time with the cost of licensed child care.

Get In Touch

  • 2723 St. Clair Avenue East
    Toronto, ON M4B 1M8
  • (416) 588-1612
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