Sharoon Griffiths

01 / Who I Am

A finance professional doing the local math in public

I’m Sharoon Griffiths. I’ve lived in Mississauga since 2014, and I’ve spent close to twenty years working in finance and accounting — building and checking the kind of cost models that most people only ever see the output of.

MississaugaWallet.ca started from a gap I kept running into as a resident, not as a professional. National personal finance sites explain instruments; they don’t explain bills. Nobody was writing down what a Region of Peel water rate change, an MPAC assessment cycle, or a City fees and charges by-law update actually does to the number at the bottom of a Mississauga household’s statement. So I started doing it.

Background

• Master’s degree in Financial ManagementFinancial analysis, budgeting, and cost structure — the framework behind every breakdown on this site.
• Master’s degree in EconomicsHow prices, rates, and public policy interact — which is most of what determines a municipal cost.
• Close to 20 years in finance and accountingTwo decades of reading rate schedules, reconciling figures against source documents, and finding the error in someone else’s model.
• Mississauga resident since 2014Twelve years of paying the bills this site writes about, in the city this site covers.

What I am not

I am not a licensed financial advisor, mortgage broker, realtor, or lawyer, and I don’t hold myself out as one. Nothing published here is individualized financial, tax, or legal advice — that boundary is set out in full in the Disclaimer. What I do is read primary source documents and convert them into the number that lands on your bill.

02 / Why This Site Exists

National finance advice stops at the city limits

A national site can tell you how a TFSA works. It cannot tell you what Mississauga’s residential tax rate does to a semi assessed at $900,000, what the Region of Peel water and wastewater rate change adds to a family of four’s annual cost, or whether a MiWay pass beats driving on your specific commute once parking and insurance are in.

Two households on identical incomes in this city end up in different financial positions, because the costs are not uniform — they move with usage tier, plan selection, assessment, ward, and route. Every article here has to survive one test before it publishes: how does this specifically affect someone living or operating financially in Mississauga? If the answer is generic, it doesn’t run.

03 / How I Work

Every number is graded before it publishes

Credentials don’t make a figure right — sourcing does. Every number on this site is classified before it goes live, and the tier determines whether it can be stated as fact, stated only with attribution, or not used at all.

Before publication, each figure is traced back to the body that sets it rather than to another article quoting it, checked against the current by-law or rate schedule, dated to its effective period, and compared against every other page on this site that uses it. One number, site-wide. The full process — including the review triggers that keep rate-sensitive pages current — is set out in the Editorial Policy.

04 / Accountability

When I get it wrong

Rates move, by-laws get amended mid-year, and source documents contradict each other. I will publish errors. What I commit to is fixing them visibly: the old figure and the new one both shown, dated on the page, and corrected on every other page and calculator using the same number. No silent swaps. The grading, response times, and reporting format are on the Corrections page.

A published figure with no traceable source is treated as a material error regardless of whether it happens to be close to correct — it’s a failure of process, not just arithmetic.

Independence

This site is funded by display advertising and affiliate arrangements, disclosed in full in the Disclaimer. No advertiser, affiliate partner, or sponsor sees editorial content before publication, and no ranking, comparison, or recommendation is for sale. I don’t accept payment or consideration from any municipal body, utility, political campaign, or candidate. Where I have any relationship with an organization I’m writing about, it goes in the article itself.

05 / Contact