Tax Nightmares

My Tax Fairy Godmother Origins Story


Hi, I’m Debbie. My clients know me as their Tax Fairy Godmother,

because I help them go from feeling anxious and depressed about their taxes and financial situation, to feeling confident, making bold moves to improve their lives, reduce debt, and establish a legacy of healthy financial habits.

Whether you’re many years behind in filing your taxes, or you have never filed, or you are always filing on time, so many Canadians are just like you, and how I used to be: unaware of the personal benefits and confidence that can come from learning legal ways to reduce their taxes, through tax incentives and programs that apply to regular people in everyday life.

Most of my clients are in their 20’s and 30’s. The ones who receive the largest amounts of back refunds and benefits from filing their tax returns, are earning low income (or no income at all), and people with a side-hustle that loses money -- and often they’re people who have a hard time approaching financial professionals for help. Struggling just to get by, and also to establish a financial foundation from smart money management, because they’ve never heard anyone talk about taxes like I do.

My own experience with taxes came from being thrust into self-employment unexpectedly in 2009. Even though I was a passionate and talented producer and project manager, I wasn’t financially illiterate for bookkeeping and taxes at all. I mistakenly believed I could just get to a point of business growth where I would hire someone to help clean everything up. But instead, imposter-syndrome kept me small, creating a catch 22 that I had to overcome my own personal financial literacy issues before I could have a financially successful business.

photo from the 2016 PROFITCON


Neurodivergence kept me happily focused on growing my producer skills, until one day in 2019 when CRA said to me “Debbie, you have 90 days to file 10 years of back tax returns, or we’ll be forced to take legal action against you”, which rightfully scared the crap out of me. While I had to focus over the next 90 days to get everything done, I also realized I needed to overhaul everything about my approach in business - starting with how I managed my money and thought about taxes. I decided to learn everything I could about my own tax situation, to figure out how to dig myself out of the hole. Along with taking accounting & tax courses, the next year I became a CRA registered tax professional working with a big-name tax office, and when my tax season contract ended, during the pandemic from home, I began specializing in helping Canadians who are multiple years behind, self-employed, and anxious about dealing with the CRA to cleanup their situation.

If you’d like my help with your personal tax situation, refer to the image below

Tax Fairy Godmother
Debbie Horovitch

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Blog posts by Tax Fairy Godmother

  📑 Tax Nightmares

  📑 Understanding Taxes

  📑 Tax Tips

  📑 Playing Catch-Up

  📑 Dear Tax Fairy

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