--- title: Truly Local Advice | Sarah Bujacz description: Sarah is an Investment Solutions Specialist at PenFinancial and Aviso Wealth serving our Welland branch. Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. --- **** [![PenFinancial Credit Union](https://www.penfinancial.com/hs-fs/hubfs/PFCU-2017Logo_CMYK-PNG.png?width=220&height=69&name=PFCU-2017Logo_CMYK-PNG.png) ![PenFinancial Credit Union](https://www.penfinancial.com/hs-fs/hubfs/PFCU-2017Logo_Web-Res.png?width=288&height=90&name=PFCU-2017Logo_Web-Res.png) ](https://www.penfinancial.com) [![LOGIN](https://no-cache.hubspot.com/cta/default/6680345/9e666b20-82c2-44e9-a6d1-8768d8611aa8.png)](https://cta-redirect.hubspot.com/cta/redirect/6680345/9e666b20-82c2-44e9-a6d1-8768d8611aa8) [**](https://www.penfinancial.com/advice/author/sarah#tmpmodule_1568761248550301) ** ###### Day to Day Banking ###### Borrowing & Investing ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### Daily Business Banking ###### Borrowing & Investing ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### Investments ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### About PenFi **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ![Sarah Bujacz](https://via.placeholder.com/100x100.jpg/e0e7ee) ### Sarah Bujacz Sarah is an Investment Solutions Specialist at PenFinancial and Aviso Wealth serving our Welland branch. Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. #### Recent posts by Sarah Bujacz ###### 3 min read ## [Responsible investing: Giving back and getting more](https://www.penfinancial.com/advice/responsible-investing-giving-back-and-getting-more) By [Sarah Bujacz](https://www.penfinancial.com/advice/author/sarah) on Apr 1, 2024 12:00:00 AM [![](https://www.penfinancial.com/hubfs/Imported_Blog_Media/Food4Kids_and_PenFi.jpg) ](https://www.penfinancial.com/advice/responsible-investing-giving-back-and-getting-more) Have you heard of [responsible investing (RI)](https://penfi.ca/advice/investing-101-socially-responsible-investing/)? Maybe you’ve heard of socially responsible investing, or sustainable, impact, or ethical investing. They’re all the same great idea: a type of investing that aligns your values with your money to give back. ###### Topics: [Investing Advice](https://www.penfinancial.com/advice/topic/investing-advice) [Truly Local Articles](https://www.penfinancial.com/advice/topic/truly-local-articles) [Social Responsibility](https://www.penfinancial.com/advice/topic/social-responsibility) ###### 2 min read ## [The 5 Best Ways to Raise Your Credit Score](https://www.penfinancial.com/advice/five-ways-to-raise-your-credit-score) By [Sarah Bujacz](https://www.penfinancial.com/advice/author/sarah) on Jul 28, 2022 8:45:00 AM [![](https://www.penfinancial.com/hubfs/Increase-Your-Credit-Score-820x380.jpg) ](https://www.penfinancial.com/advice/five-ways-to-raise-your-credit-score) As life continues to return to “normal”, whatever this new normal looks like, we are seeing an increase in people asking about improving their credit score. Your credit score may have been impacted throughout the pandemic for a variety of reasons, but let’s focus on moving forward and improving it. ###### Topics: [Financial Literacy](https://www.penfinancial.com/advice/topic/financial-literacy) [Personal Credit](https://www.penfinancial.com/advice/topic/personal-credit) [Financial Advice](https://www.penfinancial.com/advice/topic/financial-advice) [Truly Local Articles](https://www.penfinancial.com/advice/topic/truly-local-articles) ###### 4 min read ## [I’m a millennial who grew up in Niagara. Will I ever be able to buy a home here?](https://www.penfinancial.com/advice/will-i-ever-be-able-to-buy-a-home-in-niagara) By [Sarah Bujacz](https://www.penfinancial.com/advice/author/sarah) on May 31, 2022 3:31:54 PM [![](https://www.penfinancial.com/hubfs/will-i-ever-be-able-to-afford-a-home-in-niagara.jpg) ](https://www.penfinancial.com/advice/will-i-ever-be-able-to-buy-a-home-in-niagara) **The Reality** It seems that every day we read how expensive housing is becoming in Niagara and beyond.  If you’re not hearing about it as you scroll through Instagram or TikTok, you might hear from your parents or relatives about how much their home is now worth, and how you should buy a house before it’s “too late”. Because we all have $100,000 sitting in a savings account ready for a down payment, right? ###### Topics: [Financial Advice](https://www.penfinancial.com/advice/topic/financial-advice) [Buying a home](https://www.penfinancial.com/advice/topic/buying-a-home) [First Time Home Buyers](https://www.penfinancial.com/advice/topic/first-time-home-buyers) [Truly Local Articles](https://www.penfinancial.com/advice/topic/truly-local-articles) [All posts](https://www.penfinancial.com/advice/all) ###### MEMBER LOGIN MEMBER LOGIN ###### BANKING BANKING ###### RESOURCES RESOURCES ###### ABOUT PENFI ABOUT PENFI Copyright © 2026 PenFinancial Credit Union PenFinancial Credit Union is a licensed credit union operating in, and under the laws of the province of Ontario. 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