The Canadian Foundation for Economic Education (CFEE) works collaboratively with funding partners, departments of education, school boards, schools, educators, and teacher associations to develop and provide free, non-commercial programs and resources for teachers and students – developed and reviewed by educators. The online version of their curriculum Money and Youth is organized into separate modules so that users can select individual topics that align with interests. An introduction to the topic, a teachers guide containing lesson plans, and parent resources are included within each module.
This is a companion guide to the 'Your Money, Your Goals' curriculum by the Consumer Financial Protection Bureau (CFPB) in the United States. This guide- Your Money, Your Goals: Focus on People with Disabilities—contains information, tips, and tools based on the insights from people with disabilities and from organizations that serve the disability community. It is based on the core philosophy that everyone has the right to control their money and make their own financial decisions. Its specialized information and tools equip staff and volunteers to adapt training on and use of the toolkit and other resources to meet the needs of people with disabilities. It also includes information and tools to enable staff and volunteers to choose accessible locations, develop appropriate and considerate training activities, and plan to provide accommodations for diverse learning styles and other needs.
Financial coaching tools - Exploring client needs and priorities
Tools for exploring client priorities
Urgent vs. important – fillable PDF
Dreams for the future
Financial wheel of life
First coaching meeting checklist
My money priorities
Values worksheet
My ‘money personality’ – fillable PDF
Key coaching skills
Coaching skills: Active listening
Coaching skills: The art of acknowledgement
COACH-ing moments
Program support tools
These are some example tools to support the coach in assessing client readiness for coaching, guiding clients towards potential actions to meet their goals, and in discovering referral support in their community.
Milestones, actions, and tools
Client readiness assessment – PDF
Client readiness assessment – fillable PDF
Financial health pre-assessment – PDF
Financial health pre-assessment – fillable PDF
Developing a referrals network
Virtual tools for participant engagement
Resources:
Virtual service delivery tools
We are grateful to Family Services Greater Vancouver in British Columbia, Thunder Bay Counselling in Ontario, and SEED Winnipeg Inc. in Manitoba for their content consultation support and resource sharing.
Supporting client intake, triage, and referral in virtual financial help services
Virtual tools for participant engagement
Implementing a practice of self-care for practitioners – PDF
Implementing a practice of self-care for practitioners – fillable PDF
Participant tools:
Action plan – PDF
Action plan – fillable PDF
Contact list – PDF
Contact list – fillable PDF
Information to remember – PDF
Information to remember – fillable PDF
Action items – PDF
Action items – fillable PDF
Please note that some of the resources below were developed prior to the COVID-19 pandemic and serve as samples only. Current materials used by community agencies may have been revised to reflect updates to services and to meet public health guidelines.
Intake and assessment tools:
Intake Form – Family Services Greater Vancouver
First Financial Coaching Session Survey – Family Services Greater Vancouver
Financial Health Assessment – Thunder Bay Counselling
Financial Assessment Spreadsheet – Thunder Bay Counselling
Consent forms:
Consent to Service – Thunder Bay Counselling
Consent to Release and Obtain Information – Thunder Bay Counselling
Promotional materials:
Welcome and introduction to services brochure – Thunder Bay Counselling
Community Financial Helpline social media material (image 1, image 2, image 3) – SEED Winnipeg Inc.
Case studies and common questions
Use these case studies and common questions to practice or develop your coaching skills. Try them on your own or with your fellow staff.
Case study: Linda
Case study: Jacob
Case study: Nina
Common questions 1: “Just tell me what to do!”
Common questions 2: “There’s no point.”
Saving tools
Debt tools
Coaching conversation tips – Debt
Guide for talking to creditors
Determining debt payoff order (FC toolkit)
Debt list tool (FC toolkit) – PDF
Debt list tool (FC toolkit) – fillable PDF
Net worth tool (FC toolkit) – PDF
Net worth tool (FC toolkit) – fillable PDF
Payment arrangements worksheet (FC toolkit) – PDF
Payment arrangements worksheet (FC toolkit) – fillable PDF
Who do you owe? (FC toolkit) – PDF
Who do you owe? (FC toolkit) – fillable PDF
Outils de coaching financier
Fixation d‘objectifs et planification d’actions
Outils de déclaration de revenue
This activity sheet is from Module 4 of the Prosper Canada Financial Literacy Facilitator resources. Take a few minutes to how this workshop relates to your life, and set one or two goals for your use of banks and other financial services. To view the full Financial Literacy Facilitator resources, click here.
This is the resources handout for Module 9: Consumerism, from the Prosper Canada Financial Literacy Facilitator Resources. To view full Financial Literacy Facilitator Resources, click here.
This is a set of tools and resources developed by The Prosperity Agenda to implement a holistic vision of financial coaching for individuals and families. (Note: Accessing the toolkit requires submitting user information).
Managing your money: Tools and tips to help you meet your goals (English)
MYM Worksheet 1: Your money goals
MYM Worksheet 1: Your money goals – Fillable PDF
MYM Worksheet 2: Tracking your regular income
MYM Worksheet 2: Tracking your regular income – Fillable PDF
MYM Worksheet 3: Tracking your spending
MYM Worksheet 3: Tracking your spending – Fillable PDF
MYM Worksheet 4: Tracking your bills
MYM Worksheet 4: Tracking your bills – Fillable PDF
MYM Worksheet 5: Monthly budgeting
MYM Worksheet 5: Monthly budgeting – Fillable PDF
MYM Worksheet 6: Setting a savings goal
MYM Worksheet 6: Setting a savings goal – Fillable PDF
MYM Worksheet 7: Preparing for tax filing
MYM Worksheet 7: Preparing for tax filing
About the ‘Managing your money’ resource
All ‘Managing your money’ worksheets
Facilitator resources (English)
Gérer votre argent: Outils et conseils pour vous aider à atteindre vos objectifs (French)
Feuille de travail #1: Vos objectifs en lien à l’argent (MYM)
Feuille de travail #2: Suivi de votre revenu régulier (MYM)
Feuille de travail #3: Suivi de vos dépenses (MYM)
Feuille de travail #4: Suivi de vos factures (MYM)
Feuille de travail #5: Budget mensuel (MYM)
Feuille de travail #6: Fixer un objectif d’épargne (MYM)
Feuille de travail #7: Préparation pour la déclaration de revenus (MYM)
Note pour les communautés et les organismes (MYM)
Feuilles de travail complètes
Ka-paminit kisôniyâm (Plains Cree)
This handout is from Module 9 of the Financial Literacy Facilitator Resources. Glossary of terms relating to consumerism. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 9 of the Financial Literacy Facilitator Resources. Examples of how to deal with consumer problems. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 9 of the Financial Literacy Facilitator Resources. Common consumer frauds and scams to look out for. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 9 of the Financial Literacy Facilitator Resources. Information about cell phone plans and what is involved when you purchase one. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 9 of the Financial Literacy Facilitator Resources. Smart shopping tips. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 9 of the Financial Literacy Facilitator Resources. Explanation of different advertising and sales techniques. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 9 of the Financial Literacy Facilitator Resources. Setting goals related to consumerism. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 9 of the Financial Literacy Facilitator Resources. Use this quiz to rate your financial knowledge. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 9 of the Financial Literacy Facilitator Resources. A template for writing a consumer complaint letter. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 9 of the Financial Literacy Facilitator Resources. A checklist of questions to answer when you are getting a cell phone. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 9 of the Financial Literacy Facilitator Resources. Figure out which item is the better deal by calculating the unit cost. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 9 of the Financial Literacy Facilitator Resources. What kind of consumer are you? Take the quiz. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 8 of the Financial Literacy Facilitator Resources. Glossary of terms about debt. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 8 of the Financial Literacy Facilitator Resources. Web resources about debt in Canada. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 8 of the Financial Literacy Facilitator Resources. Debt collection rights and what a collection agency has the right to do and not to do. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 8 of the Financial Literacy Facilitator Resources. Tips for dealing with creditors over the phone or by mail, or for creating a debt repayment plan. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 8 of the Financial Literacy Facilitator Resources. Steps for debt repayment. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 8 of the Financial Literacy Facilitator Resources. Goal setting for debt. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 8 of the Financial Literacy Facilitator Resources. Role play activity about debt collection. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 8 of the Financial Literacy Facilitator Resources. Print these pages and cut into individual ‘rungs’ for use in the activity. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 8 of the Financial Literacy Facilitator Resources. Group activity to talk about debt do's and don'ts. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 8 of the Financial Literacy Facilitator Resources. How much debt is too much debt? Consider the 20/10 rule. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. Glossary of terms for credit reporting. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. Web resources for credit reporting in Canada. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. Ways to improve your credit score. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. How to correct common errors on credit reports. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. A credit score is a score between 300 and 900 that credit bureaus use to rate the information in your credit report. Credit bureaus use a mathematical formula based on many factors to arrive at your credit score. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. The information in an Equifax credit report varies slightly from a TransUnion credit report, but both contain the same basic sections. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. A sample of a credit report received from Equifax. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. Credit bureaus summarize your credit use in a report. The credit report is one of the main things lenders look at when they decide whether or not to give you credit. A credit report contains your history of credit use, and your credit ratings. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 7 of the Financial Literacy Facilitator Resources. Credit bureaus are agencies that collect information about how we use credit. They produce personal credit reports. Credit bureaus are private companies. They are regulated by the province, but they are not part of the government. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 7 of the Financial Literacy Facilitator Resources. Practice setting goals related to credit reports. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 7 of the Financial Literacy Facilitator Resources. Credit score scenarios to practice learning. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 7 of the Financial Literacy Facilitator Resources. A sample of the TransUnion request sheet to obtain a free credit report. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 7 of the Financial Literacy Facilitator Resources. A sample of the Equifax request sheet to obtain a free credit report. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 6 of the Financial Literacy Facilitator Resources. Glossary of terms related to credit. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 6 of the Financial Literacy Facilitator Resources. Web resources for credit and credit cards. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 6 of the Financial Literacy Facilitator Resources. Tips for managing credit. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 6 of the Financial Literacy facilitator curriculum. The cost of credit for different payment methods.
This handout is from Module 6 of the Financial Literacy Facilitator Resources. The features of credit cards and what they mean. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 6 of the Financial Literacy Facilitator Resources. The different types of credit and their lending conditions. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 6 of the Financial Literacy Facilitator Resources. Practice setting goals related to credit. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 5 of the Financial Literacy Facilitator Resources. Website resource list for saving. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 5 of the Financial Literacy facilitator curriculum. Basic description of savings accounts and financial products available in Canada. To view full Financial Literacy facilitator curriculum, click here.
This handout is from Module 5 of the Financial Literacy Facilitator Resources. Glossary of savings terms. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 5 of the Financial Literacy Facilitator Resources. Explains details about different kinds of savings accounts and financial products typically available in Canada. To view fill Financial Literacy Facilitator Resources, click here.
This handout is from Module 5 of the Financial Literacy Facilitator Resources. Explains compound interest. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 5 of the Financial Literacy Facilitator Resources. Review the activities you did early in this session to help you get ideas about savings goals. Also, think about other goals you can set, like doing more research or making an appointment with a financial advisor. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 5 of the Financial Literacy Facilitator Resources. Savings tools quiz. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 5 of the Financial Literacy Facilitator Resources. Saving scenario with Christine and Aparna. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 5 of the Financial Literacy Facilitator Resources. Use this chart to list some of the things that you buy a lot. Note how often you buy them in a month. Put down how much they usually cost (“average price”). Then figure out how much you spend on them in a month. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 5 of the Financial Literacy Facilitator Resources. List some of the things you have spent money on in the last two weeks. Which items are needs and which are wants? To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 5 of the Financial Literacy Facilitator Resources. Steps to setting a savings goal. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. Glossary for banking and financial services. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. Resource list of websites about banking and financial services. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. Alternative financial services are outside of the traditional, regulated banking system. They do not take deposits like a bank or credit union. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. What are your rights when opening a bank account in Canada? To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. How to open a bank account in Canada. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. The different kinds of bank accounts and services available. in Canada. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. Choosing a bank and choosing an account based on your banking needs. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. Deposit insurance amounts from credit unions in different provinces. To view full Financial Literacy Facilitator Resource, click here.
This handout is from Module 4 of the Financial Literacy Facilitator Resources. Banks and credit unions are places where you can safely deposit your money, cash your cheques, pay your bills, ask for a loan or credit card and use a variety of saving and investment tools. This chart explains the differences between banks and credit unions. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 4 of the Financial Literacy Facilitator Resources. Take a few minutes to set one or two SMART goals for your use of banks and alternative financial services. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 4 of the Financial Literacy Facilitator Resources. Why use alternative financial services? Why use banking services? List the reasons for using the services that your group was assigned. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 4 of the Financial Literacy Facilitator Resources. Banks and banking services quiz: In pairs, match the items in column A to column B. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 3 of the Financial Literacy Facilitator Resources. Glossary of budgeting terms. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. Resource websites for money management. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. Here are some important papers and records. You should keep them in a safe place and organize them so that you can find what you need. The chart shows their “shelf life” – how long you should keep them. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. Different types of budgeting tips to help you stay on track. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. Take a few minutes to reflect on how this workshop relates to your life. Set one or two SMART goals for your personal budgeting and financial record-keeping. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy facilitator curriculum. Steps involved in making your own budget. To view full Financial Literacy Facilitator Resources, click here
This activity sheet is from Module 3 of the Financial Literacy facilitator curriculum. Using the Monthly Budget Worksheet, put together a budget for the person in your scenario. Feel free to make up more details. You can also change or add categories to the budget to match your person’s situation. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. Tracking your different categories of expenses. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. Tracking your income sources. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. What do you think about when you hear the word “budget’? To view full Financial Literacy Facilitator Resources, click here.
What words or feelings come to mind?
This activity sheet is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. Glossary for income and taxes module. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. Resource list for income and taxes module. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. Goal setting for filing your income taxes. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. How to file your taxes. To view full Financial Literacy Facilitator Resources, click here.
This handout is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. How to read a pay stub. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. Reading David's pay stub - a quiz. To view full Financial Literacy Facilitator Resources, click here.
This activity sheet is from Module 2 of the Financial Literacy Facilitator Resources from Prosper Canada. Maria and her husband Fernando worked together cleaning a big office building at night. They were hired by a man who ran a large cleaning company. They each got a paycheque twice a month. In February, it was time to do income tax for their previous year’s income. To view full Financial Literacy Facilitator Resources, click here.
Even if you make no money, you should file a tax return each year. You may be eligible for a refund (money back). Filing your taxes triggers access to government benefits that you can’t get any other way. This worksheet will help you gather the information you will need at tax time. You will need a file folder, an envelope, or a small box to put all of your paperwork in. This is worksheet #7 from the booklet 'Managing your money'.
Setting a savings goal means that you have decided how much money you can put away, and what you are going to save for. This activity can help you write down some money goals and when you would like to achieve them. You can build savings by putting aside small amounts on a regular basis. This is worksheet #6 from the booklet 'Managing your money'.
When you make a budget, you give yourself a clear picture of your financial situation. A budget compares your income to your expenses, all in one place. This is worksheet #5 from the booklet 'Managing your money'.
Knowing what bills you have and when they are due can help you plan your spending. This activity will help you to be aware of two things: how much you owe each month, and at what time of the month that money is due. This will help you to pay bills on time, and avoid late fees. This is worksheet #4 from the booklet 'Managing your money.'
Keeping track of where your money goes during the month is another helpful step towards making a budget. Then you will be able to compare your spending with your income. This is worksheet #3 from the booklet 'Managing your money.'
Income is the money that comes into your household. This worksheet will help you see the ‘big picture’ of your income and other resources. Then you can think about how to plan your expenses. This is worksheet #2 from the booklet 'Managing your money.'