Muhammed's story

I studied in Pakistan and completed my ACA exams there, then this year I decided to emigrate to Canada. I had to leave my wife and 2 small children behind in Pakistan, because I knew I needed to find a job and get financially secure before they could join me.

When I got my ICAEW membership last year, I received an email from caba and thought it was great to know there was an organisation that would support me if I needed it, but at the time I didn't need it, so I put it out of my mind.

When I got to Canada, I realised that my savings just weren't enough to keep me going while I looked for work. I felt a lot of pressure because I'm the only person who earns in my family and I provide for everybody

how caba helped me

I contacted caba and they were so supportive. I was really impressed by how kind they were to me and how they asked me to explain my situation. They asked me to make a budget of everything I was spending. We then looked at it together and they offered me a monthly grant for a short period to help me look for a job. They also arranged for my career coaching, which meant a lot to me because the job market in Canada is very different to Pakistan and I needed a lot of help with my CV. For example, in Pakistan, most of the emphasis is on technical skills, and at the time, I did not have much idea as to how important soft skills would be in Canada. Having a career coach who understood the Canadian market and who was able to guide me in this way was incredible. We worked together over Skype and it proved to be very helpful in finding work.

caba also helped me pay for my membership fees for the necessary Canadian institutions that I need in order to practice in Canada.

I couldn't believe that there was an organisation that would help me to this degree. The job hunt went smoothly, and I started a job 3 months ago with a very well-respected firm. I'm extremely happy that I'm achieving everything I hoped for. Emigrating was a big risk, and without caba I probably would have had to get an irrelevant job that would have taken all my energy just so I could survive. Instead, I've found opportunities to use my skills and training that I'd worked so hard for.

A few months' help from caba will improve my family's lives for years to come. If I had suffered, my family would have suffered. Being the only earner is a huge responsibility and emigrating was a huge risk, but caba helped me fulfil my potential.



are you eligible for caba's services?

caba supports the wellbeing of past and present ICAEW members, ACA students, ICAEW staff members, and their spouses, partners and children up to the age of 25. Our support is free, impartial and strictly confidential. For advice, information and support please click on the button below.

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find out more about our financial health services

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You can access our self-help content for financial advice

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we offer a range of training and events that can help your career

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your questions answered 

Who is eligible for support?

We support past and present members of the Institute of Chartered Accountants of England and Wales (ICAEW), ACA students, ICAEW staff members, and the family and carers of members and students. 

  1. No matter where your career takes you, past and present members of the Institute of Chartered Accountants of England Wales (ICAEW) are eligible for caba’s services for life, even if you change your career and leave accountancy 
  2. ACA students (ICAEW Provisional Members) who are either an active student or have been an active student within the last three years are eligible for caba's services 
  3. Past and present staff members of the ICAEW or caba are eligible for caba's services for life, even if you leave either organisation. Please note, for former employees, our financial support is only available to those who have had five years continuous employment with either organisation 
  4. Family members and carers of either an eligible past or present ICAEW member, ACA student or past or present employee of the ICAEW or caba are eligible for caba's support. We define a family member as a: 
    1. spouse, civil partner or cohabiting partner 
    2. widow, widower or surviving civil partner who has not remarried or cohabiting with a partner 
    3. divorced spouse or civil partner who has not remarried or cohabiting with a partner 
    4. child aged up to 25. Please note, children aged between 16 and 25 are not eligible for individual financial support 
    5. any other person who is dependent on the eligible individual supporting them financially or are reliant on the eligible individual’s care 
    6. any other person on whom the eligible individual is reliant, either financially or for care 

You can find out more about our available support both in the UK and around the world on our support we offer  page. 

Are your services means-tested?

If you need financial support, we carry out a means test where we consider income, expenditure, capital and assets.  

*Please note none of our other services are means-tested. 

I’m an accountant, but not a member of ICAEW, can you still help?

Unfortunately not. We only support past and present ICAEW members, their carers and their families. If we are unable to support you, where possible we will point you to help elsewhere.

caba has supported me in the past; can I receive support from caba again?

We understand that circumstances change. If we’ve helped you in the past there’s no reason why we can’t help you again. You can contact us at any time. Please call us if you need our help.

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