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Budgeting and Saving Toolkit
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Budgeting and saving are the core building blocks of financial stability and sound financial decision making. In this toolkit you'll find helpful resources and worksheets on goal setting, making a budget, and saving money.

We are grateful to The Working Centre in Kitchener-Waterloo, Ontario for their content consultation.

Worksheet resources in this toolkit are available as fillable PDFs. Please open with Adobe Acrobat Reader for full functionality.

Last updated on December 19, 2022: Additional resources added - Spending habits calculator – Prosper Canada Learning Hub, Making it easier to save, 4 reasons to keep saving even when inflation is high (OSC)

Updated on July 27, 2022: Additional resources added - Preparing for financial emergencies and Planning for retirement


Budgeting and saving resources (as a printable handout)

Online budgeting tools and calculators:
Budget calculator – Financial Consumer Agency of Canada (FCAC)
Financial tools and calculators – Government of Canada
Get smarter about money: calculators & toolsOntario Securities Commission (OSC)
My expenses calculator
– Office of Consumer Affairs (OCA)
Tools to help when you can’t pay your bills – Consumer Financial Protection Bureau (CFPB) 
Compound interest – Canadian Investment Regulatory Organization (CIRO)

Information on budgeting and saving:
An essential guide to building an emergency fundConsumer Financial Protection Bureau (CFPB)
COVID-19: managing financial health during challenging timesFinancial Consumer Agency of Canada (FCAC)

Get smarter about money: budgetingOntario Securities Commission (OSC)
Glossary of budgeting and saving terms – Prosper Canada
Managing your money
 – Financial Consumer Agency of Canada (FCAC)
My money in Canada – Prosper Canada
Setting up an emergency fund – Financial Consumer Agency of Canada (FCAC)
Preparing for financial emergencies – Ontario Securities Commission (OSC)
Planning for retirement – Ontario Securities Commission (OSC) mmm
How to prepare for a financial emergency – Ontario Securities Commission (OSC)

Resources to help clients with money management:
Connecting families – Government of Canada
Managing your money booklet
 – Prosper Canada
Start small, save up – Consumer Financial Protection Bureau (CFPB)

Resources to help clients with budgeting at the grocery store:

Food sense, healthy cooking on a budget – Family Services of Greater Vancouver (FSGV)
Beating the grocery store blues – Family Services of Greater Vancouver (FSGV)


Author: Prosper Canada
Topic: Asset building and saving, Financial literacy
Publisher: Prosper Canada
Location: Canada
Format: Toolkit
Content Type: Prosper Canada Toolkits
Publication Date: February 18, 2020