Money and Youth

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.



Dealing with debt: Worksheet 7 – Know your rights and options

When dealing with debt, there can be some difficult situations where you may need help. If you are dealing with creditors, or collection agencies, there are steps you can take to ensure you are communicating clearly. It is also important to know your rights and options.

This worksheet describes options for what to do if you need help with significant debt issues.

'Know your rights and options' is the seventh worksheet in the 'Dealing with debt' toolkit. Find the full resource here

 



Dealing with debt: Worksheet 6 – Your credit report and credit score

Knowing your credit history is an important part of managing your debt. It is important that you get your free credit report once a
year to check for any errors. The information on this page will help you:

  • Get free copies of your credit reports
  • Understand what’s included in your credit reports
  • Check your credit report for errors and signs of identity theft
  • Dispute any errors you find

'Your credit report and credit score' is the sixth worksheet in the 'Dealing with debt' toolkit. Find the full resource here



Dealing with debt: Worksheet 5 – Making a spending plan

This worksheet helps you set a spending plan for the month, one week at a time, based on the money you have coming in and going out that week.

'Making a spending plan' is the fifth worksheet in the 'Dealing with debt' toolkit. Find the full resource here



Dealing with debt: Worksheet 4 – Tracking fluctuating expenses

Unexpected expenses can make it harder to pay off debts. Knowing your spending needs can help prevent borrowing more money in the future. Use this worksheet to plan ahead for emergency or fluctuating expenses. If you can make a plan to pay for these this year, you’ll be less likely to borrow more money.

'Tracking fluctuating expenses' is the fourth worksheet in the 'Dealing with debt' toolkit. Find the full resource here



Dealing with Debt: Worksheet 3 – Making a debt action plan

Once you’re ready to start tackling your debt and have a clear sense of how much you owe, your next step is to make an action plan. Use this worksheet to think about your debt repayment goals, the steps you can take now, and the help you will need along the way.

'Making a debt action plan' is the third worksheet in the 'Dealing with debt' toolkit. Find the full resource here



Dealing with Debt: Worksheet 2 – What do I owe?

Knowing what you owe is the first step to paying it off. This worksheet will help you see the full picture of your debt. Although it may be difficult to face, it is an important first step. Then you can think about

'What do I owe?' is the second worksheet in the 'Dealing with debt' toolkit. Find the full resource here

Dealing with Debt: Worksheet 1 – Your Money Priorities

What would it feel like to have less debt in your life? What other goals or activities would be possible? 

This worksheet will help you think about your values and goals. Setting goals is the first step in making a debt repayment plan. Think about what is motivating you towards your goal.

'Your money priorities' is the first worksheet in the 'Dealing with debt' toolkit. Find the full resource here



Your Money, Your Goals: Focus on People with Disabilities

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


This toolkit contains tools and worksheets you can use with your financial coaching clients. Each document should be used as a part of the coach-client relationship. 

This include financial coaching tools such as the financial wheel of life and tips for the first meeting, as well as tools and worksheets for goal-setting, budgeting, addressing debt, banking, and tax filing.

 

Prosper Canada curriculum and tools are for intended for community practitioners supporting clients living on low income. These tools are for non-profit use only, and are not to be delivered or distributed for a fee.

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

Latest update
April 1, 2021: Resources to support virtual delivery of financial service programs

July 24, 2020: New resources added to French language section - Urgent c. important, Guide pour parler aux créanciers
July 16, 2020: New resources added to "Program support tools" section - Virtual tools for participant engagement
June 18, 2020: New resource added to 'Debt tools' section - Guide for talking to creditors