<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.newnorthcowichan.com/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/full-2026-budget-is-finally-here</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/e3567ccb-54cf-4e67-899a-f304a43657ce/2025+financial+plan+bylaw.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>Here is a screenshot from page 5 of the recently amended 5 year financial plan bylaw</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/61742288-6157-45e8-9d4a-9b986ce96e0a/CAOs+office.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>The North Cowichan 2026 Budget for the CAOs office</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/c41fd533-3e4a-48d5-b735-514045f46b83/bylaw+2024.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>2026 Budget for bylaw enforcement - this is the group that pays the costs of street disorder and homeless encampments</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/294af20d-2f7d-4b9c-bee5-422e9280e944/buidling+and+planning.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>Here is the 2026 budget for the planning and building group - planning revenue is expected to increase but building revenues will decrease?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/b28005d3-9410-48f4-865c-0adbe271a362/equpment+2026.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>Content from the 2026 proposed North Cowichan Budget - what does it mean?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/993f01d5-2e1f-4f70-8e65-9507abe0b828/staff+report+budget.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>A summary table of the 9.5% increase in North Cowichan Operating Expenses from 2025 - 2026</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/f47d73f0-d299-4ddb-a090-fc39d234bb08/2026+capital.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>2026 capital funding revenues for the Municipality of North Cowichan - an amount that is significantly higher than the $6.9 million for capital as set out within the updated five year financial plan bylaw that was recently updated by Council. Does this mean that 2026 projects are just a carry over from uncompleted 2025 projects I wonder?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/fe8b5a46-f17e-4eb4-a976-7ccd0a7d5104/roads+capital.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>The proposed 2026 roadworks section of the North Cowichan Capital Budget with zero information on costs or priority</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/91751a49-ccec-476a-b514-2c72d7a3d2d6/South+end+capital.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>2026 Proposed South End water system capital projects - graphics in blue for water?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/3947dddf-2168-4d77-af37-a9405e148bd2/Chemainus+Capital.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>Proposed Chemainus 2026 sewer capital projects - graphics in brown like poop I wonder?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/f8a034c4-033e-4f18-a570-b50844d3cdb3/Crofton+Capital.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>Proposed Crofton sewer capital expenditures - graphics in brown like poop I wonder?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/e9488d8a-675a-46be-82da-cd6244f4a907/water+and+sewer+capital.png</image:loc>
      <image:title>Blog - Full 2026 Budget is Finally Here - Make it stand out</image:title>
      <image:caption>a summary table of proposed water and sewer capital projects for 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/infrastructure-deficit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/bef17fa1-8c78-4965-a562-9a510e4d5331/TCAS.png</image:loc>
      <image:title>Blog - Infrastructure Deficit - Make it stand out</image:title>
      <image:caption>North Cowichan 2024 summary of Tangible Capital Assets in their annual report</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/197cf110-d0c9-4df9-9963-2c2f98c82c64/Duncan+TCAs.png</image:loc>
      <image:title>Blog - Infrastructure Deficit - Make it stand out</image:title>
      <image:caption>A standard schedule of Tangible Capital Assets as seen from the City of Duncan in 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/409c3008-e285-4b85-b1bd-692d7270b12b/CR+TCAs.png</image:loc>
      <image:title>Blog - Infrastructure Deficit - Make it stand out</image:title>
      <image:caption>Schedule of Tangible Capital Assets for the Municipality of Campbell River - reporting expected levels of assets</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/d3689e93-dd44-4510-9e0f-4236ef14385f/ducan+clarifying+table.png</image:loc>
      <image:title>Blog - Infrastructure Deficit - Make it stand out</image:title>
      <image:caption>2024 table of changes in net financial assets for the Municipality of North Cowichan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/8bd2418c-7b5a-4a64-ad8b-522fc8768ba3/Reserve+Funds.png</image:loc>
      <image:title>Blog - Infrastructure Deficit - Make it stand out</image:title>
      <image:caption>Value of Municipal Reserves (savings) at end of 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/8068ddff-f72c-400c-8f52-72aa9d562f3d/NC+Full+TCAS.png</image:loc>
      <image:title>Blog - Infrastructure Deficit - Make it stand out</image:title>
      <image:caption>Reported values for tangible capital assets at year end 2024 for North Cowichan</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/why-local-government-matters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/24a2a965-16a4-4b52-ae83-9c3cc109531f/Property_Value.jpg</image:loc>
      <image:title>Blog - Why Local Government Matters - Make it stand out</image:title>
      <image:caption>Does your experience as a taxpayer match this graphic from BC Assessment?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/dd03fd31-513c-4bdd-8eb9-e3543995fa40/Expense+by+Function.png</image:loc>
      <image:title>Blog - Why Local Government Matters - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/suggestions-to-save-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/7be5a460-f0d6-400d-b261-201715b98d85/Connect+Data.png</image:loc>
      <image:title>Blog - Suggestions to Save Money - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/76083877-dfca-46b1-927f-26fd556ecc51/Connect+Questions.png</image:loc>
      <image:title>Blog - Suggestions to Save Money - Make it stand out</image:title>
      <image:caption>I asked what I thought were relevant questions last week, but they have not yet been addressed.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/d38a6446-3bb1-4357-b14c-9d8bb2820ccc/Note+16+Debt.png</image:loc>
      <image:title>Blog - Suggestions to Save Money - Make it stand out</image:title>
      <image:caption>Confirmation that much of these funds were paid for through debt.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/c600ca01-1ff8-4bc1-ab1a-28d75483cde6/2024+employees.png</image:loc>
      <image:title>Blog - Suggestions to Save Money - Make it stand out</image:title>
      <image:caption>A chart showing employee counts growing from 281 through to 341 - a 20% or so increase</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/budget-questions-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/3a640e44-9b0f-4a0b-95fe-52440fa2c553/sources+of+revenue.png</image:loc>
      <image:title>Blog - Budget Questions Part 3 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/9f09a019-9149-4923-97f8-20885cbe3b1b/Grant+percentage.png</image:loc>
      <image:title>Blog - Budget Questions Part 3 - Make it stand out</image:title>
      <image:caption>a screenshot from the municipal budget dashboard showing current rates of actual spending against budgeted</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/f96f63c7-7a84-4fcf-a2c6-584341d69fa5/2025+business+plans.png</image:loc>
      <image:title>Blog - Budget Questions Part 3 - Make it stand out</image:title>
      <image:caption>A screenshot of business plan links that were publicly disclosed at a Dec 10, 2024 Committee meeting that occurred in Chemainus</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/29947d76-afde-41ad-a6eb-77dea9199ee1/image0.jpeg</image:loc>
      <image:title>Blog - Budget Questions Part 3 - Make it stand out</image:title>
      <image:caption>A recommended schedule from staff as provided in an August 12, 2025, committee report to Council</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/budget-questions-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/970f322c-0d70-428a-a96a-2c057334cda2/2025+bylaw.jpg</image:loc>
      <image:title>Blog - Budget Questions Part 2 - Make it stand out</image:title>
      <image:caption>The Capital Budget portion of the 2025 - 2029 Financial Plan bylaw for the Municipality of North Cowichan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/a2ee9773-a53d-4be9-882f-670a315e0f14/2024+total+reserve+funds.png</image:loc>
      <image:title>Blog - Budget Questions Part 2 - Make it stand out</image:title>
      <image:caption>Current status of affected reserve funds should be before Council as part of budget planning.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/a8cfc29c-9230-4e03-98d5-10fb955a260f/capital+spent.png</image:loc>
      <image:title>Blog - Budget Questions Part 2 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/budget-questions-i-would-ask</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/529cc3b2-7203-4c78-996e-a566032a5553/Per+capita+1.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>I am honestly not sure what staff are trying to communicate here, other than to presumably suggest that North Cowichan could collect more $ in taxes because they seem to be collecting less than other municipalities?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/c78856db-af17-4432-9c97-9b3bed21a9f6/Per+capita+2.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>Again, the only takeaway I see for the casual reader, is that North Cowichan needs to collect more taxes!!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/3eb29c05-3f72-4168-bb6e-6b0e10461956/new+table.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>Here is a brief table I created using data available from Civic Info</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/1003219b-19a2-4d4f-850a-db3bf08e5f1e/Other+table.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>Here is a comparative table with some additional variables for consideration</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/90f19fe7-3294-4577-89be-fa2100797a2e/2025+assessment+based+by+municipality.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>I believe the “taxes per capita graph” needed an “assessment base” per capita graph for comparison</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/4df2b0e7-a89f-4ff0-aa24-30e1df6f084c/rev+and+user+fee+by+municipality.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>This table includes taxes, parcel taxes, and user fees as “total revenue” per capita to provide additional context</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/76780712-d189-4d65-9e09-b5d760dd05f0/Assessment+square+km.png</image:loc>
      <image:title>Blog - Budget Questions I Would Ask - Make it stand out</image:title>
      <image:caption>Distribution of assessable property across the boundaries of North Cowichan should be considered.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/purpose-of-municipal-council</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/blog/my-christmas-wish</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-02-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/1722374155.413772-GNXKFCAIYGOAJAIOUBEG/imgg-od3-9424qv72.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/1722374155.652884-RAAGACEVBCDAFXHSFUKA/imgg-od3-213j9jn4.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/6fea8e4b-464d-426c-8248-2dce1634e778/IMG_0156.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.newnorthcowichan.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6946d217e97a6e599e1c630a/7f1ada5f-370b-4b66-b70b-eb08b52b0af5/IMG_1756.jpg</image:loc>
    </image:image>
  </url>
</urlset>

