A comprehensive learning program that provides basic information and tools to help adults manage their personal finances and gain the confidence they need to make better financial decisions. Learn more about the program and how to use the learning modules.
Soaring with savings - Tips and tools to help you save
SWS Worksheet #1 – The importance of saving (Fillable PDF)
SWS Worksheet #2 – Create a savings goal (Fillable PDF)
SWS Worksheet #3 – Savings support network (Fillable PDF)
SWS Worksheet #4 – Saving for emergencies (Fillable PDF)
SWS Worksheet #5 – Saving for unstable income (Fillable PDF)
SWS Worksheet #6 – Saving for education (Fillable PDF)
SWS Worksheet #7 – Saving for retirement (Fillable PDF)
Soaring with Savings- Full booklet
Soaring with savings - Training tools
Encourager l’épargne - Conseils et outils pour vous aider à épargner
Encourager l’épargne - l’aide d’animation
Ressources
CELI calculatrice, La Commission des valeurs mobilières de l’Ontario
REER, La Commission des valeurs mobilières de l’Ontario
Investir et épargner pendant une récession, La Commission des valeurs mobilières de l’Ontario
Dealing with debt: Tips and tools to help you manage your debt
Dealing with debt – About this resource
DWD Worksheet #1 – Your money priorities – Fillable PDF
DWD Worksheet #2: What do I owe? – Fillable PDF
DWD Worksheet #3: Making a debt action plan – Fillable PDF
DWD Worksheet #4: Tracking fluctuating expenses – Fillable PDF
DWD Worksheet #5: Making a spending plan – Fillable PDF including calculations
DWD Worksheet #6: Your credit report and credit score – Fillable PDF
DWD Worksheet #7: Know your rights and options
Dealing with debt – Full booklet
Dealing with debt: Training tools
Resources
Managing debt , Ontario Securities Commission
Options you can trust to help you with your debt, Office of the Superintendent of Bankruptcy Canada
Debt advisory marketplace/ consumer awareness, Office of the Superintendent of Bankruptcy Canada
Gestion de la dette: Conseils et outils pour vous aider à gérer votre dette
01 – Vos priorités financières
02 – Combien ai-je de dettes?
03 – Faire un plan d’action
04 – Suivi des dépenses variables
05 – Faire un plan de dépense
06 – Dossier de crédit et cote de solvabilité
07 – Connaître nos droits et nos options
Ressources : Pour en savoir plus
Gestion de la dette : Livret complet
Ressources
Gestion de la dette, La Commission des valeurs mobilières de l’Ontario
Des options fiables pour vous aider avec vos dettes, Bureau du surintendant des faillites
Marché des services-conseils en redressement financier et sensibilisation des consommateurs, Bureau du surintendant des faillites
Investing with interest: tips and tools for maximizing your savings
IWI – Worksheet #1: What do you want to save for?
IWI – Worksheet #2: Tracking your income and expenses
IWI- Worksheet #3: Are you ready to invest?
IWI- Worksheet #4: What can you invest in?
IWI-Worksheet #5: Where can you get advice?
IWI-Worksheet #6: Watch out for investment frauds and scams
IWI-Worksheet #7: Tips for success
Resources
Crypto Quiz, OSC
Grandparent scams and how to avoid them, OSC
Compound interest calculator, OSC
Emergency fund calculator, OSC
Tips to keep your credit card safe, OSC
Investment products, OSC
Types of fraud, OSC
Multilingual financial resources for Ontarians, OSC
Pay down debt or invest tool, OSC
Reporting fraud, OSC
Introduction to investing, OSC
Scam spotter tool, OSC
Your trusted person and why they matter, OSC
Getting Your Money Back; An Investor’s Guide to Navigating Canada’s Complaint System, FAIR Canada
Study explores Canadian attitudes about Crypto, OSC
How the stock market works, OSC
The basics of personal finance, Credit Canada
L’intérêt d’investir: Conseils et outils pour maximiser votre épargne
Ressources
Questionnaire sur les cryptoactifs, Commission des valeurs mobilières de l’Ontario
Les arnaques des grands-parents et comment les éviter, Commission des valeurs mobilières de l’Ontario
Calculatrice épargne REER, Commission des valeurs mobilières de l’Ontario
Calculatrice intérêts composés, Commission des valeurs mobilières de l’Ontario
Calculatrice fonds d’urgence, Commission des valeurs mobilières de l’Ontario
Astuces pour garder votre carte de crédit en toute sécurité, Commission des valeurs mobilières de l’Ontario
Produits d’investissement, Commission des valeurs mobilières de l’Ontario
Types de fraude, Commission des valeurs mobilières de l’Ontario
Ressources financières multilingues pour les Ontariennes et les Ontariens, Commission des valeurs mobilières de l’Ontario
Calculatrice rembourser des dettes ou investir, Commission des valeurs mobilières de l’Ontario
Signaler une escroquerie, Commission des valeurs mobilières de l’Ontario
Planification de la retraite, Commission des valeurs mobilières de l’Ontario
Questionnaire préparation des investisseurs, Commission des valeurs mobilières de l’Ontario
Introduction au placement, Commission des valeurs mobilières de l’Ontario
Outil détecteur d’escroquerie, Commission des valeurs mobilières de l’Ontario
Votre personne de confiance et les raisons qui expliquent son importance, Commission des valeurs mobilières de l’Ontario
Une étude explore les attitudes des Canadiens à l’égard de la cryptomonnaie, Commission des valeurs mobilières de l’Ontario
Le fonctionnement de la bourse, Commission des valeurs mobilières de l’Ontario
Before you start investing, it is important to consider your budget and financial goals, and how much risk you are comfortable taking on. Like many things in life, investing comes with its own share of risks and rewards. You can do this on your own or with the help of an advisor.
Banks take fraud very seriously and have highly sophisticated security systems and teams of experts to protect you from financial fraud. As a banking customer, there are also simple steps you can take to recognize cyber crime and protect your personal information and your money. Educating yourself, your family and your employees about cyber safety can seem overwhelming, but it doesn’t have to be that complicated and the CBA has developed a learning path to help.
Financial education
*Resource is not specific to Indigenous communities
Money Management:
Dollars and Sense Program– AFOA Canada
Financial workshops for youth
Managing your money – Prosper Canada
Worksheets to set and work towards money goals
Financial literacy for Indigenous Peoples – RBC
A two-hour course on financial basics
Financial health & wealth – Native Women’s Association of Canada
Financial literacy information and worksheets
Money Matters for Indigenous Peoples – ABC Literacy
Money Matters workbooks
Money moccasins – Momentum
Workshops for Indigenous peoples on assets, budgets, banking, credit and consumerism.
Money stories– SEED Winnipeg
Customized money management training program for Indigenous youth
Empower U– Esquao Institute for the Advancement of Aboriginal Women
Financial literacy program
The Game Plan – Indigenous Story Studio
Comic book on financial literacy (paid resource)
Financial Education Online*– Credit Counselling Society
Short online courses
Dollars and Sense* – Texas A&M (USA)
Online simulation for Middle and High School Students
Simple budget template* – Prosper Canada
Student budget worksheet* – FCAC
Gift planning worksheet*- Sudbury Community Service Centre
Budget planner* – Government of Canada
Building Native communities – First Nations Development Institute
Debt/Credit:
Credit– AFOA Canada
A Money Smarts podcast on how to build and keep credit in good shape
Proper use of credit* – Sudbury Community Service Centre
Tips on how to build good strong credit
Collection Agencies and You*- Sudbury Community Service Centre
Tips on your rights if contacted by a collection agency
Credit report request form* – Sudbury Community Service Centre
Equifax and TransUnion request forms
Credit report sample*– FCAC
Dangers of credit* – Sudbury Community Service Centre
The dangers of the different forms of credit available
Payday loans and you* – Sudbury Community Service Centre
Understanding how pay day loans work
Debt consolidation calculator * – Ontario Securities Commission
Combine multiple debts into one and calculate how soon you could be debt free
The 4 cornerstones of debt reduction strategies & budgeting* – Credit Counselling Society
Retirement:
Low-income retirement planning* Open Policy
A background paper on maximizing GIS
Taxes and benefits
*Resource is not specific to Indigenous communities
**Tax and benefits information changes on a regular basis, we encourage you to check the CRA website for up to date information.
Tax filing:
Roundtable on Income Tax Filing Supports in First Nation communities and Indigenous organizations (presentation) – Prosper Canada & AFOA Canada
Insights on planning free tax clinics in Indigenous communities – Prosper Canada
Podcast: Host a Free Tax Clinic – AFOA Canada
How to host a tax clinic (manual) – AFOA Canada
Tax packages*– CRA
Indigenous income tax issues– CRA
COVID-19 benefits, your return and repayments– CRA
Get free tax help– CRA
Understanding Indigenous Experience with Tax Filing (2022)– CRA
Benefits:
Benefits wayfinder*– Prosper Canada
Canada Learning Bond* – MySmartFUTURE, AFOA Canada
Canada Learning Bond*– Government of Canada
Podcast: Tax filing and accessing financial benefits – AFOA Canada
Webinar for Indigenous peoples: Get your benefits and credits – CRA
Canada Dental Benefit – CRA
One-time top-up to the Canada Housing Benefit– CRA
Working from home: Income tax exemption – CRA
Simplified northern residents travel deduction– CRA
Benefits and credits: Information for Indigenous peoples– CRA
Taxes and benefits:
Taxes and benefits for Indigenous peoples – CRA
Let us help you get your benefits! – CRA
Factsheet: Indigenous peoples – CRA (available in 16 languages)
Relevant reading & viewing
*Resource is not specific to Indigenous communities
Money Smarts -AFOA Canada
podcast series
The shared path- First Nations Financial Wellness– Prosper Canada & AFOA Canada
Financial empowerment: Personal finance for Indigenous and non-Indigenous People – Bettina Schneider
Adaptation of openly licensed textbook Person Finance v 1.0 by Saylor Academy
Financial health & wealth: an initiative by the Native Women’s Association of Canada
Report on financial health and wealth from the Native Women’s Association of Canada
Access to ID:
Access to Identification for Low-Income Manitobans* – Canadian Centre for Policy Alternatives, MB
Research on what can be done to address challenges around ID
Eyeing the ID: Bio-metric Banking for Saint John* – NB Social Pediatrics and the Saint John Community Loan Fund
Identifies access to identification, as well as stringent identification requirements as the most prevalent barriers to receiving services
There are also simple steps you can take to recognize cyber threats and protect yourself. With a cyber hygiene checklist and tips on how to spot common scams, the CBA’s Cyber Security Toolkit can help you protect against online financial fraud.
The National Disability Institute's Financial Wellness Toolkit is full of free resources for disability service providers, nonprofits, financial professionals and municipalities, including Financial Education Handouts and Quick Reference Guides. This infographic highlights income, banking and credit inequality based on disability, race and ethnicity.
With a little preparation, talking about financial matters can help build trust, deepen connections, relieve stress and lead to greater peace of mind. Yet for many people, these conversations can be difficult. In some families, money is just not something you talk about. The same applies to wills, inheritances, senior living, end-of-life care and many more topics that matter most to seniors. Let's Talk About Money: Seniors' Edition -- wants to help you change that. There are tips to help parents talk with adult children and tips for adult children to have meaningful money conversations their parents. The most important thing is to have these conversations early, before there’s a crisis. So let's start talking.Open, honest conversations about money are one of the keys to building a healthy relationship with your family, across the generations.
Whether you’re a first-time investor, thinking of saving for your education, or planning for your retirement, FAIR Canada's investing basics may help you on your investing journey.
For frontline staff - Quick tools you can use with clients
Starting the conversation
Here are 7 questions to help you start a conversation about money with your client. Based on what you learn about your clients’ needs, the remaining links on this page to help you find answers and next steps.
Try this coaching readiness checklist to help your client ascertain if they have the time and are interested in receiving financial coaching.
Worksheets & tip sheets
Here are some “go to” worksheets and tip sheets that frontline staff have found very helpful with their clients. They focus on budgeting, saving, and debt management – common FE needs that come up. Try them out for yourself first and see which ones might work for your clients.
The Budget Spreadsheet is an excellent tool for capturing the full picture of an individual’s financial picture. The individual inputs information according to different categories and the tool calculates totals in a summary page to show how much money is left over at the end of the month. [Thunder Bay Counselling]
The Simple budget template is an alternative monthly budget tool clients can use. It includes links to an Income tracking worksheet and Expenses tracking worksheet. [Prosper Canada / Trove]
The Urgent vs Important worksheet can help clients prioritize their spending. This, in turn, can help them save or “find money” for necessary expenses. [Prosper Canada / Trove]
Knowing how to set a SMART goal is important for planning and achieving targets. In the Set a SMART financial goal, clients learn what a SMART goal is and write SMART financial goals that are important to them. [Prosper Canada / Trove]
Making a spending plan is a worksheet clients can use to create a spending plan for each week based on money coming in and out each month. [Prosper Canada / Trove]
Making a debt action plan is a worksheet to help your clients get a handle on their debt. [Prosper Canada / Trove]
Tips for Managing Debt and Bills is a reference sheet you can give clients during tough times when managing cash flow is a challenge.
Prioritizing bills helps clients prioritize what bills to pay when it’s not possible to pay for everything. Note that this tool is from the Consumer Financial Protection Bureau (CFPB), an American government agency and includes a link to their website. Let clients know the information on the website is geared to the US context. [Consumer Financial Protection Bureau]
Online sites and tools
Here are great online tools you can also share and use in your FE work with clients.
Benefits wayfinder [benefitswayfinder.org]
Support with access to benefits is another powerful FE intervention. The Benefits wayfinder is a simple, easy to use, plain language tool that helps people on low and modest incomes find and track benefits they could get. Clients can use it on their own or with your support.
Read the Benefits wayfinder fact sheet to learn more.
Then watch the How to use this tool video. It highlights and demonstrates how to navigate through the key features of the tool.
If you would like additional training on how to support your clients with access to benefits and use the Benefits wayfinder tool in your money conversations, you can sign up for Prosper Canada’s self-directed online course and/or live workshop.
Trove [yourtrove.org]
Trove is a free bilingual website that clients can visit on their own or with your support. Many of the tools you were introduced to above can be found on Trove, along with a wealth of other user-friendly financial tools, worksheets, and education information to help clients take charge of their spending, learn about tax filing and benefits, and manage debt.
Along with a link to the Benefits wayfinder, you can also find these online tools:
For managers - Tools for getting started with financial empowerment
The resources below focus on starting steps and tools to assist in the initial planning and implementation stages for embedding FE. Future phases of the toolkit will share resources for later stage efforts, as well as non-municipal efforts, such as public libraries and health care systems.
Tool 1. Making the case for financial empowerment
For FE to be successful, it’s critical to get buy-in from staff and stakeholders.
Below are great resources to share with key players who are new to FE. They can help you get others quickly up to speed on what FE is and the value of embedding FE as you onboard them or work to build interest in FE in your municipality.
Tool 2. Getting started: the internal scan
Take the time to learn about common FE interventions. Then, assess conditions, capacity and considerations in your municipality for providing these kinds of financial help to your clients.
This tool guides you through an internal scan as you envision what embedding FE might look like in your service delivery context. Consider Tool 2: Getting started: the internal scan a starting point that will continue to evolve as you move through the process.
Tool 3. Exploring partnerships: the external scan
Municipalities do not have to deliver FE supports themselves to turn their services into Prosperity Gateways. In many cases, especially at the outset, it may be more cost-effective and less resource intensive to establish referral pathways to other local service providers or to partner with non-profit organizations, foundations, or financial service providers to deliver the financial help to meet your clients’ needs.
Use Tool 3: Exploring collaborations and partnerships to perform a scan of FE services in your local community and identify potential collaborations and partnerships.
Two additional partnership resources are ‘Elements of Integration‘ and ‘Partnership Tip Sheet‘
Tool 4. Designing the initiative: the service blueprint
Having completed an internal and external scan of barriers and opportunities, you are now ready to design an FE initiative to suit your municipality’s context. Designing the initiative is an important phase where you work out the service model, clarify partnerships, and imagine the ideal client experience.
Tool 4: Designing the initiative guides you through choosing the best service delivery model for your context and designing the client and staff journey.
We hope this toolkit will grow and improve with use and feedback. Current ideas for upcoming tools include:
Tool 5. Designing the initiative: a shadowing guide
Tool 5: A shadowing guide can help frontline staff understand the process from intake to service delivery.
Feedback / Suggestions
We’d love to hear your feedback and suggestions for tools that you would find useful. Please email: Helen Payne Watt at [email protected]
Learn more about FE
Canadian Publications
Prosperity Gateways: Cities for financial empowerment – Building the case outlines evidence for embedding FE.
Read the report How financial empowerment services are helping Ontarians build financial health for more supporting evidence and personal stories.
Financial Empowerment – What is it and how it helps reduce poverty [national] suggests that FE is a critical missing piece of federal government policy that can significantly boost client outcomes when it is embedded into other programs and services.
Financial Empowerment – What is it and how it helps reduce poverty [Alberta] provides an overview of provincial government action on FE in Alberta. The Alberta government adapted the national document (by the same name) to use in their internal discussions with municipal decision-makers. Create a document that you can use for your internal discussions using this as an example.
U.S. Publications
The municipal integration of FE in Canada is grounded in influential work in the US by the Cities for Financial Empowerment (CFE) Fund. Launched in 2012 in New York the CFE Fund showed that embedding FE strategies into local government infrastructure can have a “supervitamin effect” on public programs, increasing the financial stability of low to moderate income households.
The Urban Institute examined the cost of residents’ financial insecurity to city budgets in 10 American cities in this 2017 research. Across these cities, the costs range from the tens to hundreds of millions of dollars, suggesting that cities have an economic interest in improving their residents’ financial health.
A report by JP Morgan Chase reviews municipal efforts to integrate financial capability into public services in several US locations in “A Scan of Municipal Financial Capability Efforts.”
Pour le personnel de première ligne — Outils rapides que vous pouvez utiliser avec les clients
Amorcer la conversation
Voici sept questions qui vous aideront à entamer une conversation à propos de l’argent avec votre client. En fonction de ce que vous avez appris sur les besoins de vos clients, les autres liens de cette page vous aideront à trouver des réponses et à connaître les prochaines étapes.
Utilisez cette liste de vérification pour aider votre client à décider s’il a le temps et s’il souhaite recevoir un accompagnement financier.
Fiches de travail et fiches de conseils
Voici quelques feuilles de travail et des feuilles de conseils que le personnel de première ligne a trouvé très utiles pour ses clients. Elles portent principalement sur la planification budgétaire, l’épargne et la gestion des dettes — les besoins courants en matière d’AF qui se présentent. Essayez-les d’abord pour vous-même et voyez ceux qui pourraient convenir à vos clients.
La feuille de calcul du budget (anglais seulement) est un excellent outil pour saisir le portrait complet de la situation financière d’un individu. La personne saisit les données selon différentes catégories et l’outil calcule les totaux dans une page de synthèse pour montrer combien d’argent il reste à la fin du mois. [Thunder Bay Counselling]
Le modèle de budget simple est un outil alternatif de budget mensuel que les clients peuvent utiliser. Il comprend des liens vers une feuille de calcul de suivi des revenus et une feuille de calcul de suivi des dépenses. [Prospérité Canada/Trove]
La feuille de calcul Urgent versus Important peut aider les clients à établir des priorités dans leurs dépenses. Cela peut ensuite les aider à économiser ou à « trouver de l’argent » pour les dépenses nécessaires. [Prospérité Canada/Trove]
Il est important de savoir comment établir un objectif INTELLIGENT pour mettre en place et atteindre des objectifs. Avec l’outil Comment établir des objectifs financiers INTELLIGENTS, les clients apprennent ce qu’est un objectif INTELLIGENT et choisissent des objectifs financiers INTELLIGENTS qui sont importants pour eux. [Prospérité Canada/Trove]
La feuille de calcul Comment établir un plan de dépenses est un outil que les clients peuvent utiliser pour créer un plan de dépenses pour chaque semaine en fonction des entrées et sorties d’argent du mois. [Prospérité Canada/Trove]
La feuille de calcul Élaboration d’un plan d’action en matière de dettes est un outil pour aider vos clients à prendre le contrôle sur leurs dettes. [Prospérité Canada/Trove]
Conseils pour la gestion des dettes et des factures est une feuille de référence que vous pouvez donner à vos clients dans les moments difficiles où la gestion des fonds est un défi.
Le classement des factures par ordre de priorité (anglais seulement) aide les clients à déterminer les factures à payer en premier lorsqu’il n’est pas possible de tout payer. Notez que cet outil provient du Consumer Financial Protection Bureau (CFPB), une agence gouvernementale américaine, et comprend un lien vers son site Web. Expliquez aux clients que les renseignements figurant sur le site Web sont adaptés au contexte américain. [Consumer Financial Protection Bureau]
Sites et outils en ligne
Voici d’excellents outils en ligne que vous pouvez également faire connaître et utiliser dans votre travail en matière d’AF avec les clients.
Orienteur en mesures d’aide [benefitswayfinder.org/fr]
L’aide à l’accès aux mesures d’aide est une autre façon puissante d’intervenir en matière d’AF. L’Orienteur en mesures d’aide est un outil simple, facile à utiliser et rédigé en langage clair qui aide les personnes à revenus faibles ou modestes à trouver et à répertorier les mesures d’aide auxquelles elles peuvent prétendre. Les clients peuvent l’utiliser seuls ou avec votre aide.
Pour en savoir plus, lisez la fiche d’information sur l’Orienteur en mesures d’aide. (anglais seulement)
Ensuite, regardez la vidéo Comment utiliser cet outil (anglais seulement). Elle explique et démontre comment naviguer à travers les principales caractéristiques de l’outil.
Si vous souhaitez obtenir une formation supplémentaire sur la façon d’aider vos clients à accéder aux mesures d’aide et d’utiliser l’Orienteur en mesures d’aide dans vos conversations au sujet de l’argent, vous pouvez vous inscrire au cours autodidacte en ligne ou à l’atelier en direct de Prospérité Canada.
Trove [yourtrove.org/fr]
Trove est un site Web bilingue gratuit que les clients peuvent visiter par eux-mêmes ou avec votre aide. La plupart des outils qui vous ont été présentés ci-dessus se trouvent sur Trove, ainsi qu’une multitude d’autres outils financiers conviviaux, des feuilles de calcul et des renseignements éducatifs pour aider les clients à prendre en charge leurs dépenses, à se renseigner sur la déclaration et les avantages fiscaux et à gérer leurs dettes.
En plus d’un lien vers l’Orienteur en mesures d’aide, vous trouverez également ces outils en ligne :
Pour les gestionnaires — Outils pour démarrer avec l’autonomisation financière
The resources below focus on starting steps and tools to assist in the initial planning and implementation stages for embedding FE. Future phases of the toolkit will share resources for later stage efforts, as well as non-municipal efforts, such as public libraries and health care systems.
Outil 1. Argumenter en faveur de l’autonomisation financière.
Pour que l’AF soit un succès, il est essentiel d’obtenir l’adhésion du personnel et des intervenants.
Vous trouverez ci-dessous d’excellentes ressources à faire connaître aux acteurs clés qui ne connaissent pas encore l’AF. Elles peuvent vous aider à faire comprendre rapidement aux autres ce qu’est l’AF et la pertinence d’intégrer l’AF lorsque vous les accueillez ou lorsque vous travaillez à susciter l’intérêt pour l’AF dans votre municipalité.
● L’abécédaire des passerelles pour la prospérité (anglais seulement) donne un aperçu de « qu’est-ce que c’est » et du « pourquoi » au sujet de l’intégration de l’AF dans les services municipaux.
● La brochure de l’AF (anglais seulement) fournit une introduction plus détaillée à l’AF et à l’intégration de l’AF.
● Voici trois exemples de cas que vous pouvez utiliser pour montrer l’impact puissant que peut avoir l’intégration de l’AF dans les services municipaux :
o Exemple de cas : Région de York
o Exemple de cas : Services sociaux et d’emploi de Toronto
o Exemple de cas : Edmonton
Outil 2. Commencer : l’analyse interne
Prenez le temps de vous renseigner sur les types d’interventions courantes en matière d’AF. Ensuite, évaluez les conditions, la capacité et les considérations dans votre municipalité pour fournir ces types d’aide financière à vos clients.
Cet outil vous guide à travers une analyse interne qui vous permet d’envisager ce que pourrait être l’intégration de l’AF dans votre contexte de prestation de services.
Considérez l’outil 2 : Commencer : l’analyse interne un point de départ qui continuera à évoluer à mesure que vous avancerez dans le processus.
Outil 3. Explorer les partenariats : l’analyse externe
Les municipalités ne sont pas obligées de fournir elles-mêmes des mesures d’aides en matière d’AF pour transformer leurs services en passerelles pour la prospérité. Dans de nombreux cas, surtout au début, il peut être plus rentable et moins exigeant sur le plan des ressources d’établir des liens de référence vers d’autres prestataires de services locaux ou de s’associer à des organismes à but non lucratif, des fondations ou des prestataires de services financiers pour fournir l’aide financière répondant aux besoins de vos clients.
Utilisez l’outil 3 : Explorer les collaborations et les partenariats pour effectuer une analyse des services en matière d’AF dans votre communauté locale et identifier les collaborations et partenariats potentiels.
Deux autres ressources à propos du partenariat sont les « Éléments de l’intégration » et les « Conseils pour le partenariat » .
Outil 4. Concevoir l’initiative : le plan de service
Après avoir effectué une analyse interne et externe des obstacles et des opportunités, vous êtes maintenant prêt à concevoir une initiative d’AF adaptée au contexte de votre municipalité. La conception de l’initiative est une phase importante où vous élaborez le modèle de service, clarifiez les partenariats et imaginez l’expérience client idéale.
L’outil 4 : Conception de l’initiative vous guide dans le choix du meilleur modèle de prestation de services pour votre contexte et dans la conception du parcours du client et du personnel.
Nous espérons que cette boîte à outils se développera et s’améliorera avec l’utilisation et les commentaires. Les idées actuelles pour les outils à venir incluent :
Outil 5. Concevoir l’initiative : un guide d’observation
L’outil 5 : Un guide d’observation peut aider le personnel de première ligne à comprendre le processus, de l’accueil à la mise en œuvre du service.
Commentaires et suggestions
Nous serions ravis d’entendre vos commentaires et vos suggestions d’outils que vous trouveriez utiles. Veuillez nous envoyer un courriel : Helen Payne Watt à l’adresse [email protected].
En savoir plus en matière d’AF
Publications canadiennes
Passerelles de prospérité : Les villes pour l’autonomisation financière — établir le dossier (anglais seulement) décrit les preuves qui sont pour l’intégration de l’AF.
Lisez le rapport intitulé Comment les services d’autonomisation financière aident les Ontariens à renforcer leur santé financière (anglais seulement) pour obtenir plus de preuves et de récits personnels.
Le document Autonomisation financière — qu’est-ce que c’est et comment cela aide à réduire la pauvreté [national] (anglais seulement) suggère que l’autonomisation financière est une pièce manquante essentielle de la politique du gouvernement fédéral qui peut considérablement améliorer les conditions de vie des clients lorsqu’elle est intégrée à d’autres programmes et services.
Le document Autonomisation financière — qu’est-ce que c’est et comment cela aide à réduire la pauvreté [Alberta] (anglais seulement) donne un aperçu de la démarche du gouvernement provincial en matière d’AF en Alberta. Le gouvernement de l’Alberta a adapté le document national (du même nom) pour l’utiliser dans ses discussions internes avec les décideurs municipaux. Créez un document que vous pourrez utiliser pour vos discussions internes en utilisant cet exemple.
Publications américaines
L’intégration municipale de l’AF au Canada est fondée sur les travaux influents réalisés aux États-Unis par le Fonds Cities for Financial Empowerment (CFE). Lancé en 2012 à New York, le Fonds CFE Fund a montré que l’intégration de stratégies d’AF dans l’infrastructure des gouvernements locaux peut avoir un « effet super vitaminé » sur les programmes publics, en augmentant la stabilité financière des ménages à revenu faible ou modéré.
L’Urban Institute a examiné le coût de l’insécurité financière des résidents sur les budgets municipaux de dix villes américaines dans cette recherche de 2017 (anglais seulement). Dans ces villes, les coûts vont de dizaines à des centaines de millions de dollars, ce qui suggère que les villes ont un intérêt économique à améliorer la santé financière de leurs résidents.
Un rapport de JP Morgan Chase passe en revue les efforts déployés par les municipalités pour intégrer la capacité financière dans les services publics dans plusieurs villes américaines dans « A Scan of Municipal Financial Capability Efforts » (anglais seulement).
The Consumer Finance Protection Bureau has developed resources to help multilingual communities and newcomers in a selection of languages. The translated financial terms are available in Chinese, Spanish, Vietnamese, Korean and Tagalog. This website has many other multi-lingual resources, covering a range of topics from opening a bank account, money transfers, money management, debt collection and many others. Some terms are US based but most are universal.
Good financial planning starts with knowing what you spend. Try out this budget worksheet, prepared by the Ontario Securities Commission, to see the difference in your costs before you retire and after you stop working.
In 2021, losses reported to the Canadian Anti-Fraud Centre reached an all time high of 379 million with Canadian losses accounting for 275 million of this. Fraud Prevention Month is a campaign held each March to inform and educate the public on protecting yourself from being a victim of fraud. This year's theme is impersonation, and focuses on scams where fraudsters will claim to be government official, critical infrastructure companies, and even law enforcement officials. This collection of fraud prevention toolkits is available in English and French. In English: En Français:
The P4P Planning Network was launched by Partners for Planning to support relatives, friends, or caregivers of a person with a disability with planning resources and tools. Resources on relationship building, school transitions, community involvement, financial objectives and more are shared and continuously updated on the website. Their Early Planning Toolkit includes an action guide, a checklist to help identify ways to build an everyday childhood while planning for the future and webcasts.
A toolkit for parents/caregivers with a child with a disability ages 2 to 10, containing:
Financial educators are particularly aware of the prevalence of these types of financial arrangements – otherwise known as family financial exchanges (FFEs). To support practitioners helping clients through these often sensitive conversations about these arrangements, the Consumer Financial Protection Bureau released the Friends and Family Exchanges Toolkit , a four-part guide for coaching clients in asking for financial help or changing an existing agreement due to their own financial hardship.
In June, we commemorate National Indigenous History Month 2021 to recognize the history, heritage and diversity of First Nations, Inuit and Métis peoples in Canada. The Crow-Indigenous Relations and Northern Affairs Canada website contains resources on Indigenous history, promotional and educational materials, and information on how the Government of Canada is responding to the Truth and Reconciliation Commission's Calls to Action.
The Guaranteed Income Community of Practice (GICP) convenes guaranteed income stakeholders, including policy experts, researchers, community and program leaders, funders, and elected officials to learn and collaborate on guaranteed income pilots, programs and policy. The GICP website includes resources on:
These resources from the Ontario Securities Commission are oriented towards planning for retirement. Resources include tips on insurance planning, government benefits, RRSP calculator, and more.
Resources to provide consumers up-to-date information to protect and manage their finances during the coronavirus pandemic. Resources include: And resources for specific audiences, including:
The National Housing Strategy is a 10-year, $70+ billion plan creating a new generation of housing in Canada giving more Canadians a place to call home.
The Get It Back Campaign helps eligible workers in the United States claim tax credits and use free tax filing assistance to maximize tax time. A project of the Center on Budget and Policy Priorities, the Campaign partners with community organizations, businesses, government agencies, and financial institutions to conduct outreach nationally. For 30 years, these partnerships have connected lower and moderate-income workers to tax benefits like the Earned Income Tax Credit (EITC), the Child Tax Credit (CTC), and Volunteer Income Tax Assistance (VITA). Their website contain a variety of outreach materials that can be adapted for your organization, including:
Program strategies grounded in an understanding of your community can increase the likelihood of engagement and follow-through. The following resources are intended to support VITA programs with implementation strategies at key program stages, like outreach and intake, and offer examples of how other virtual VITA programs have addressed critical challenges.
These calls, featuring guest practitioners, cover a variety of topics most pressing to the financial coaching field, provide useful tips and resources and serve as a peer-learning platform. Topics include:
Collection of money management resources, including how create effective budgets, realistic spending plans, deal with your debts, save more money, build a stronger credit rating, and prepare for retirement.
Virtual self-filing model
This section contains resources that describe the flow of the virtual self-file model (two options), and examples of scripts and documents that may be used to support the process. These may be customized for your own agency.
Guide to the virtual self-file model of tax filing
Virtual self-file overview (Journey map)
Sample script: Recruiting clients for the virtual self-file project (Used in 2020)
Email templates (Independent filing method)
Booking confirmation email sample (Two-step method)
Sample introduction scripts (Woodgreen)
Sample disclaimer statement
Sample client intake form (Woodgreen)
Document and income eligibility check
Sample document check form (Woodgreen)
Virtual review of tax return: Quick tips
Additional support resources
This section contains additional resources to support at tax time. Be sure to also review our Tax filing toolkit and Financial Coaching toolkit for other relevant resources.
Sample client profiles (Woodgreen)
Common tax deductions
Common sources of income and their tax slips
Notice of Assessment – how to read it
A guide comprised of 12 fact sheets for consumers to learn more about credit, grouped into the following topics: general information, warnings, credit products, and comparison tables. (Please note this is a French-language resource.)
Families Canada is the national association of Family Support Centres. With a network of 500+ member agencies and thousands of frontline family service workers across Canada, they committed to providing leadership and support in the campaign for Canada’s children. Families Canada has compiled resources for service providers to support families during COVID-19.
For the 10th anniversary of Financial Literacy Month in Canada, Financial Consumer Agency of Canada (FCAC) has released resources to help Canadians learn how to manage their finances in challenging times. Resources include the following topics:
National Disability Institute (NDI)'s Financial Resilience Center offers resources and assistance to help those with disabilities and chronic health conditions navigate financially through the COVID-19 crisis. Resource topics include:
The Global Financial Literacy Excellence Center (GFLEC) focuses on financial literacy research, policy, and solutions. This toolkit contains suggestions and resources for managing personal finances and protection against the financial emergencies caused by COVID-19.
The Organisation for Economic Co-operation and Development (OECD) is an international organisation establishes evidence-based international standards and finding solutions to a range of social, economic and environmental challenges. The OECD/INFE Toolkit includes a financial literacy questionnaire that captures the financial literacy of diverse populations, first piloted in 2010. In 2015/16 around 40 countries and economies participated in an international survey of adult financial literacy competencies; using data collected using this toolkit. The OECD/INFE financial literacy and financial inclusion measurement toolkit incorporates:
CPA Canada has put together resources to help manage your finances and provide you with the tools you need during this crisis – and beyond.
Credit Canada has pulled together financial information from trusted sources and released original content to help Canadians manage their finances during COVID-19.
The Common Foundations are a minimum standard for how to do impact measurement without prescribing a particular tool or approach. This can help to overcome a widespread challenge of grantmakers, donors, lenders and investors imposing impact measurement approaches on the social purpose organizations that they give money to. They do this for assurances that the impact measurement is of a sufficient quality and comparability. The Common Foundations solves part of this problem. Funders can require social purpose organizations to demonstrate that the are doing all five essential practices while leaving the social purpose organization to choose which tools and approaches to use. In addition to the quick guide, videos, key documents, and a self-assessment are provided as tools to meet the standard of impact measurement in Canada.
The Institute for Gender and the Economy (GATE) at the Rotman School of Management promotes an understanding of gender inequalities and how they can be remedied – by people of all genders – in the world of business and, more broadly, in the economy. Resources including research brief, videos and articles are presented on COVID-19 and inequality, the gender wage gap, parental leave and more.
Human insights are used when designing programs and improving services through understanding clients’ hidden preferences, environment factors and behaviors. The Human Insights Tools from Prosperity Now are intended to take you through the process of discovering opportunities for innovation from clients’ point of view, designing solutions to meet those needs, and testing your ideas to ensure they bring about the needed change. Tools and resources are presented for each of the discover, design, and test phases.
Disability Alliance BC supports people in British Columbia with disabilities through direct services, community partnerships, advocacy, research and publications. Their website provides information on disability benefits including the Disability Tax Credit (DTC), CPP Disability, Registered Disability Savings Plans (RDSP) and more.
The Plan Institute Learning Centre presents workshops, webinars, publications and other resources for individuals and/or families of a person with a disability, support-care workers, and organizations.
America Saves, a campaign managed by the nonprofit Consumer Federation of America, motivates, encourages, and supports low- to moderate-income households to save money, reduce debt, and build wealth. Information and tips for setting a savings goal, making a savings plan, how to save automatically, and other tools and resources are included.
Global Learning Partners (GLP) helps individuals and organizations to learn by providing practical expertise in learning assessment, design, facilitation and evaluation. Their shareable resources cover a variety of topics in learning, taking a learning-centered approach, including: Learning Design, Needs Assessment, Facilitation, Evaluation, and others.
Scammers are taking advantage of the coronavirus (COVID-19) pandemic to con people into giving up their money. Though the reason behind their fraud is new, their tactics are familiar. It can be even harder to prevent scams right now because people 62 and older aren’t interacting with as many friends, neighbors, and senior service providers due to efforts to slow the spread of disease. This blog post presents consumer protection toolkit resources produced by Consumer Financial Protection Bureau in addition to tips for consumers regarding COVID-19 related scams.
Introduction to asset building
Asset building for your future (fillable PDF)
Asset building for your future (print version)
My long-term goal action plan (fillable PDF)
My long-term goal action plan (print version)
Introduction to savings accounts
Registered savings accounts
Investing in registered accounts
Seven tips to help you stick to your goals
Glossary – asset building
Resources – asset building
Making it easier to save
Education savings
RESPs and how they can help
Before you open an RESP
Individual, family and group RESPs
Federal education grants and bonds
Provincial education grants and bonds
Family income to receive RESP government incentives
RESP sample scenarios
Plan for your RESP bank visit
My RESP action plan (fillable PDF)
My RESP action plan (print version)
Glossary – education savings
Resources – education savings
Employment and Social Development Canada (ESDC) resources for the Canada Learning Bond (CLB):
Canada Learning Bond Application for Adult Beneficiaries
Q&A about the Canada Learning Bond for adult beneficiaries
Revised income brackets for Canada Learning Bond (July 2022 to June 2023)
L‘accumulation d’actifs
L’accumulation d’actifs pour votre avenir – fillable
L’accumulation d’actifs pour votre avenir – nonfillable
Mon plan d’action axé sur mon objectif à long terme – fillable
Mon plan d’action axé sur mon objectif à long terme – nonfillable
Introduction aux comptes d’épargne
Comptes d’épargne enregistrés (REEI, REEE, REER et CELI)
Investir dans les comptes enregistrés :les options et les questions à poser à votre banque
Sept conseils pour vous aider à respecter vos objectifs
Epargne-études
Les REEE : comment peuvent-ils vous aider?
Comment choisir entre unREEE individuel, familial et collectif
Les subventions et les bons d’études du gouvernement fédéral
Les subventions et les bons d’études du gouvernement provincial
Le REEE : comment peut-il vous aider à faire fructifier vos épargnes pour les études?
Arrivez préparé à votre rendez-vous à la banque pour ouvrir un REEE
Mon plan d’action en matière de REEE – fillable
Mon plan d’action en matière de REEE – nonfillable
The House of Commons Finance Committee recently released its call for pre-budget consultation briefs as the government considers its policy priorities for the 2021 federal budget. This toolkit created by Imagine Canada provides information on the reasons to submit a pre-budget consultation brief as well as tips on how to do so.
The Prosperity Now Scorecard is a comprehensive resource featuring data on family financial health and policy recommendations to help put all U.S. households on a path to prosperity. The Scorecard equips advocates, policymakers and practitioners with national, state, and local data to jump-start a conversation about solutions and policies that put households on stronger financial footing across five issue areas: Financial Assets & Income, Businesses & Jobs, Homeownership & Housing, Health Care and Education.
The Pandemic Response and Recovery Toolkit is intended to assist System Leaders plan and navigate the next steps in their community’s response and recovery as it pertains to people experiencing homelessness and people supported in housing programs. The Toolkit outlines phases and action steps – many that have yet to be mobilized - to help with planning, implementation and evaluation of pandemic response and recovery activities in communities. Furthermore, it contains a compendium of resources to help System Leaders along the way. This could be a time of doom and gloom. But there is a silver lining. With innovation and the courage to capitalize on emerging opportunities, the homelessness response and housing support system may emerge from this situation stronger and better than before the pandemic hit. It is possible that we can achieve Recovery for All.
This booklet contains information on retirement planning on a low income. Topics include four things to think about for low income retirement planning, a background paper on maximizing the Guaranteed Income Supplement (GIS), and determining Old Age Security (OAS) and GIS eligibility for people who come to Canada as adults.
Benefits 101
What are tax credits and benefits
Reasons to file a tax return
List of common benefits
Getting government payments by direct deposit
Common benefits and credits Benefits pathways (for practitioner reference only – some illustrations presented are Ontario benefits)
Pathways to accessing government benefits
Overview of tax benefits and other income supports (adults, children, seniors)
Overview of tax benefits and other income supports (people with disabilities or survivors)
Income support programs for immigrants and refugees
Glossary of terms – Benefits 101
Resources – Benefits 101
Key benefits you may be eligible for
Make sure you maximize the benefits you are entitled to if you are First Nations, Inuit, or Métis
Common benefits and credits
Resource links:
Benefits and credits for newcomers to Canada – Canada Revenue Agency
Benefit Finder – Government of Canada
Electronic Benefits and credits date reminders – Canada Revenue Agency (CRA)
Income Assistance Handbook – Government of Northwest Territories
What to do when you get money from the government – Financial Consumer Agency of Canada (FCAC)
Emergency benefits
General emergency government benefits information & navigation
Financial Relief Navigator tool (Prosper Canada)
Changes to taxes and benefits: CRA and COVID-19 – Government of Canada
Canada Emergency Response Benefit (CERB)
Apply for Canada Emergency Response Benefit (CERB) with CRA – Canada Revenue Agency (CRA)
Questions & Answers on CERB – Government of Canada
What is the CERB? – Prosper Canada
FAQ: Canada Emergency Response Benefit – Prosper Canada (updated June 10th)
CERB: What you need to know about cashing your cheque – FCAC
COVID-19 Benefits (summary, includes Ontario) – CLEO/Steps to Justice
COVID-19 Employment and Work – CLEO/Steps to Justice
GST/HST credit and Canada Child Benefit
COVID-19 – Increase to the GST/HST amount – Government of Canada
Canada Child Benefit Payment Increase – Government of Canada
Benefits payments for eligible Canadians to extend to Fall 2020 – Government of Canada
Support for students
Support for students and recent graduates – Government of Canada
Canada Emergency Student Benefit (CESB) – Government of Canada
Benefits and credits for families with children
Benefits and credits for families with children
Resource links:
Child and family benefits – Government of Canada
Child and family benefits calculator – Government of Canada
Benefits and credits for people with disabilities
Benefits and credits for people with disabilities
RDSP, grants and bonds
Resource links:
Canada Pension Plan disability benefit toolkit – Employment and Social Development Canada (ESDC)
Disability benefits – Government of Canada
Disability tax credit (DTC) – Canada Revenue Agency (CRA)
Free RDSP Calculator for Canadians – Plan Institute
Future Planning Tool – Plan Institute
Creating Financial Security: Financial Planning in Support of a Relative with a Disability (handbook) – Partners for Planning
Nurturing Supportive Relationships: The Foundation to a Secure Future (handbook) – Partners for Planning
RDSP – Plan Institute
Disability Tax Credit Tool – Disability Alliance BC
Disability Inclusion Analysis of Government of Canada’s Response to COVID-19 (report and fact sheets) – Live Work Well Research Centre
Benefits and credits for seniors
Benefits and credits for seniors
Resource links:
Canadian Retirement Income Calculator – Government of Canada
Comparing Retirement Savings Options – Financial Consumer Agency of Canada (FCAC)
Federal Provincial Territorial Ministers Responsible for Seniors Forum – Employment and Social Services Canada (ESDC)
Retiring on a low income – Open Policy Ontario
RRSP vs GIS Calculator – Daniela Baron
Sources of income for seniors handout – West Neighbourhood House
What every older Canadian should know about: Income and benefits from government programs – Employment and Social Services Canada (ESDC)
Comprendre les prestations
Que sont les crédits d’impôt et les prestations?
Pourquoi produire une déclaration de revenus?
Processus d’accès aux prestations (simple, complexe ou laborieux)
Aperçu des prestations et crédits d’impôt et des autres mesures d’aide au revenu
Aperçu des prestations et crédits d’impôt et des autres mesures d’aide au revenu : personnes handicapées ou survivants
Programmes d’aide au revenu pour immigrants et réfugiés – Admissibilité et processus de demande
Glossaire – Prestations et credits
Ressources : Prestations et credits
Principales mesures d’aide auxquelles vous pouvez être admissibles
Assurez-vous de maximiser les prestations auxquelles vous avez droit si vous êtes Autochtone, Inuit ou Métis
Prestations et crédits courants
Prestations et crédits pour familles avec enfants
Prestations et crédits pour les personnes âgées
Informations d’identification pour accéder aux prestations
Études de cas
Getting started
Budgeting
The five Ws and H of budgeting
How to make a budget step by step
Income tracking sheet – PDF
Income tracking sheet – fillable PDF
Expenses tracking sheet – PDF
Expenses tracking sheet – fillable PDF
Simple budget template- PDF
Simple budget template – fillable PDF
Five different budgeting methods
Cashflow budget template – PDF
Cashflow budget template – fillable PDF
Ten ways to trim expenses
Resources
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 & tools – Ontario 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)
Information on budgeting and saving:
An essential guide to building an emergency fund – Consumer Financial Protection Bureau (CFPB)
COVID-19: managing financial health during challenging times – Financial Consumer Agency of Canada (FCAC)
Get smarter about money: budgeting – Ontario 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)
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)
Matière de budget
Cinq questions à se poser en matière de budget
Comment faire un budget : un guide étape par étape
Fichier de suivi des revenus (PDF)
Fichier de suivi des revenus (PDF à remplir)
Fichier de suivi des dépenses (PDF)
Fichier de suivi des dépenses (PDF à remplir)
Modèle de budget simple (PDF)
Modèle de budget simple (PDF à remplir)
5 façons différentes de faire un budget
Budget de caisse (PDF)
Budget de caisse (PDF à remplir)
10 façons de réduire ses dépenses
This website shares tools, tutorials, and resources on service design. The tools will help you prepare for different stages of the service design process, think through who to engage and how, and plan or improve a service. Includes templates for tools such as empathy maps, personas, service blueprints, and more.
Financial decisions are influenced by our own personal feelings and attitudes around money, and by the feelings, attitudes, and actions by our family and friends. This CFPB toolkit offers financial education practitioners three tools (Money Choices, Money Styles, and Money Network), each with a brief, interactive exercise, to initiate conversations about the feelings and personal relationships that shape financial choices.
A better understanding of human behaviour can lead to better policies. If you are looking for a more data-driven and nuanced approach to policy making, then you should consider what actually drives the decisions and behaviours of citizens rather than relying on assumptions of how they should act. You can start applying behavioural insights (BI) to policy now. No matter where you are in the policy cycle, policies can be improved with BI through a process that looks at Behaviours, Analysis, Strategies, Interventions, Change (BASIC). This allows you to get to the root of the policy problem, gather evidence on what works, show your support for government innovation, and ultimately improve policy outcomes. This toolkit guides policy officials through these BASIC stages to start using an inductive and experimental approach for more effective policy making.
2022 Tax Resources: Canada Revenue Agency
The Canada Revenue Agency kicks off the 2023 Tax filing season
Canada Dental Benefit
One-time top-up to the Canada Housing Benefit
Get your taxes done for free at a tax clinic
Canada workers benefit
Make sure you maximize the benefits you are entitled to if you are First Nations, Inuit, or Métis
2021 Tax Resources - Canada Revenue Agency
Last-minute tax tips (Canada Revenue Agency) – April 13, 2021
New Canada Recovery Benefits – What to Expect
Answers to your questions on paying back the Canada Emergency Response Benefit (CERB)
Benefits and credits fact sheet – Indigenous people living in Canada
Benefits and credits fact sheet – Modest income
Benefits and credits fact sheet – Newcomers
Benefits and credits fact sheet – Newcomers in Quebec
Benefits, credits, and deductions for Seniors
COVID-19 Measures for Persons with Disabilities
Benefits and credits – Persons with Disabilities
Canada Workers Benefit – Infographic
Canada Workers Benefit – promotion card
Get your taxes done for free – promotion card
Income tax basics
Why file? The benefits of tax filing (Tax toolkit)
Getting government payments by direct deposit
Income tax 101: What are tax deductions, benefits, credits, exemptions, and brackets? (Tax toolkit)
Considerations for Indigenous people at tax time (Tax toolkit)
Resources about tax filing in Canada (Tax toolkit)
Common tax deductions
Common sources of income and their tax slips
Notice of Assessment – how to read it
Community tax clinic guides
About volunteer tax clinics: Help your community members file their taxes (Tax toolkit)
Getting started as a community tax clinic (Tax toolkit)
Tax clinic staff and volunteer roles (Tax toolkit)
Tax clinic preparation: Recommended timeline (Tax toolkit)
Insights on planning free tax clinics in Indigenous communities: Infographic (Tax toolkit)
Encouraging tax filing at virtual clinics (sample “active choice” email) – The Behavioural Insights Team *NEW*
Tax clinic resources for practitioners
The tax clinic resources below are from our community partner organizations. These are examples that may be adapted to your own community tax clinic needs. Whenever possible, we have credited the original author of each document and included contact information if you would like to find out more about using and adapting the resource.
Resources to support tax clinic delivery and tax filing
Simplified Intake Form 2019 (ACSA, Scarborough, ON)
Tax Clinic Host Checklist (The Working Centre, Kitchener-Waterloo, ON)
Income tax checklist for participants (The Working Centre, Kitchener-Waterloo, ON)
Intake form for Couples (E4C, Edmonton, AB)
Tax Prep Quick Reference Guide (E4C, Edmonton, AB)
Other resources to support participants at tax time
Income tax summary (The Working Centre, Kitchener-Waterloo, ON)
Form for Missing Income Info for Revenue Canada (The Working Centre, Kitchener-Waterloo, ON)
Forms for rental information (The Working Centre, Kitchener-Waterloo, ON)
Referral to FEPS (The Working Centre, Kitchener-Waterloo, ON)
Envelope checklist (E4C, Edmonton, AB)
Seniors Info Sheet – Federal and provincial benefits (E4C, Edmonton, AB)
Resources for outreach and promotion
Tax clinic flyer (ACSA, Scarborough, ON)
2019 tax clinic flyer (Jane Finch Centre, Toronto, ON)
2019 tax clinic flyer (North York Community House, Toronto, ON)
Resources to support tracking and evaluation
Tax data entry sheet – Tax toolkit (Sunrise Community Centre, Calgary, AB)
Anonymous tax tracking sheet (Aspire collective, Calgary, AB)
Additional information and resources on tax filing
Benefits, credits and financial support: CRA and COVID-19 – Canada Revenue Agency (CRA)
Covid-19: Free virtual tax clinics – Canada Revenue Agency (CRA)
Get ready to do your taxes – Canada Revenue Agency (CRA)
Taking care of your tax and benefit affairs can pay off (tax filing info sheet) – Canada Revenue Agency (CRA) *NEW
Slam the scam – Protect yourself against fraud – Canada Revenue Agency (CRA)
Supported Self: File Piloting a new way to empower individuals to file taxes independently – Prosper Canada
Virtual Tax Filing: Piloting a new way to file taxes for homebound seniors – Prosper Canada
Webinar Series on Taxes (May 2020) – Momentum
Ressources de déclaration de revenus 2022 - Agence du revenu du Canada
L’Agence du revenu du Canada lance la saison des impôts 2023
Fiche descriptive : Étudiants
Fiche descriptive : Les personnes handicapées
Fiche descriptive : Les personnes à revenu modeste
Fiche descriptive : Les personnes en situation de logement précaire
Fiche descriptive : Les personnes âgées de 65 ans et plus
Fiche descriptive : Femmes dans les refuges
Fiche descriptive : Les personnes autochtones
Fiche descriptive : Les nouveaux arrivants
Prestation dentaire canadienne
Supplément unique à l’Allocation canadienne pour le logement
Faites faire vos impôts à un comptoir d’impôts gratuit
Allocation canadienne pour les travailleurs
Assurez-vous de maximiser les prestations auxquelles vous avez droit si vous êtes Autochtone, Inuit ou Métis
Ressources de déclaration de revenus 2021 - Agence du revenu du Canada
Nouvelles prestations canadiennes de la relance économique – À quoi s’attendre
Réponses à vos questions sur le remboursement de la Prestation canadienne d’urgence (PCU)
Recevez vos versements de prestations et de crédits! – Les les autochtones qui habitent au Canada
Prestations et crédits – Revenu modeste
Nouveaux arrivants, vous pourriez recevoir des prestations et des crédits!
Nouveaux arrivants, vous pourriez recevoir des prestations et des crédits! (Quebec)
Il y a des avantages à faire ses impôts! – Personnes agées
Mesures relatives à la COVID-19 à l’intention des personnes handicapées
Des prestations et des crédits pour vous! – Les personnes handicapées
Chaque dollar compte! – L’allocation canadienne pour les travailleurs (ACT)
Chaque dollar compte! Carte promotionnelle pour l’allocation canadienne pour les travailleurs (ACT)
Faites faire vos impôts gratuitement – Carte promotionnelle
Fondements de l’impôt sur le revenu
Pouruoi declarer? Les avantages de produire une declaration de revenus
Recevoir des paiements du gouvernement par dépôt direct
Que sont les déductions, les avantages fiscaux et les crédits d’impôt?
Considérations sur la période d’impôt pour lesautochtones qui habitent au Canada
Ressources pour en savoir plus
Comptoirs d’impôt bénévoles : Aidez les membres de votre communauté
Ressources
S’occuper de ses impôts et de ses prestations peut être payant – Agence du revenu du Canada
Pour souligner leurs 50 ans d’histoire, les Associations de consommateurs du Québec s’unissent pour offrir à la population québécoise un portail qui rassemble toute une gamme d’informations et d’outils développés au fil des années grâce à leur expertise en finances personnelles. Cette porte d’entrée donne accès à des services spécialisés en finances personnelles offerts par les associations, propose des outils adaptés, et à travers les différentes sections, offre une information claire, objective et critique afin de vous guider vers de meilleurs choix de consommation et une meilleure santé financière.
This is ACORN Canada's debt and high-interest lending resource portal. It contains links and resources on debt, credit, banking, and other topics.
The Center for Financial Security (CFS) and Annie E. Casey Foundation have developed a short set of standardized client outcome measures to create the Financial Capability Scale (FCS). In 2011, CFS worked with four organizations to collect data on client outcome measures, with the goal of refining a small set of measures that can be used across programs. The project aimed to increase coordination across organizations so the financial coaching field can improve its capacity to demonstrate client impacts. The findings from the project extend beyond the coaching field and can be applied to other financial capability services.
A financial well-being questionnaire developed by the Consumer Financial Protection Bureau.
The Family-Centered Coaching Toolkit offers a set of strategies, tools, and resources that can help programs, agencies, case managers, coaches, and others change the ways they work with families striving to reach their goals. This set of resources, can undo, and redo, how one approaches working with families – to see families holistically, even though the funding streams and programs within which we work may not.
The goal of the Your Money, Your Goals toolkit is to make it easier for volunteers, lay counselors and workers, mentors, and coaches to help the people they serve become more financially empowered. Module 1-2: Setting goals, saving, and planning. Module 3-5: Managing income and spending money. Module 6-7: Debt and credit reports. Module 8: Money services, cards, accounts, and loans. Module 9: Protecting your money.
Module 1: Exploring your relationship with money
Module 2: Income and taxes
Handout 2-1 Government benefits
Activity Sheet 2-2 Reading David’s pay stub quiz
Handout 2-3 Reading a pay stub
Handout 2-4 Filing your taxes
Activity Sheet 2-5 Maria and Fernandos story
Activity Sheet 2-6 Goal-setting
Handout 2-7 Resources
Handout 2-8 Glossary
Video: Tax Deductions Credits and Benefits (video transcript) *NEW*
Module 3: Budgeting
Activity Sheet 3-1 The “B” word-budget
Activity Sheet 3-2 Income sources
Activity Sheet 3-3 Expense categories
Activity Sheet 3-4 Budgeting scenarios
Activity Sheet 3-5 Monthly budget worksheet
Activity Sheet 3-6 Making your own budget
Handout 3-7 Budgeting strategies
Handout 3-8 Budgeting tips
Handout 3-9 Financial record keeping
Activity Sheet 3-10 Goal-setting
Handout 3-11 Resources
Handout 3-12 Glossary
Module 4: Banking and financial services
Handout 4-1 Banks and credit unions
Handout 4-2 Deposit insurance at credit unions in different provinces
Activity Sheet 4-3 Banks and banking services quiz
Handout 4-4 Banks accounts and services
Handout 4-5 Choosing a bank and choosing an account
Handout 4-6 Opening a bank account
Handout 4-7 What are my rights?
Handout 4-8 Alternative financial services
Activity Sheet 4-9 Comparing alternative financial services to banking services
Activity Sheet 4-10 Goal-setting
Handout 4-11 Resources
Handout 4-12 Glossary
Getting government payments by direct deposit
Module 5: Saving
Activity Sheet 5-1 Setting savings goals
Activity Sheet 5-2 Needs and wants
Activity Sheet 5-3 Finding money
Handout 5-4 Compound interest
Activity Sheet 5-5 Enzo and Tess
Handout 5-6 Introduction to saving and investing
Handout 5-7 Saving and investing tools (basic)
Handout 5-8 Saving and investing tools (detailed)
Handout 5-9 Preparing for old age
Handout 5-10 Saving and investment support
Activity Sheet 5-11 Goal-setting
Handout 5-12 Resources
Handout 5-13 Glossary
Module 7: Credit reporting
Handout 7-1 Credit bureaus
Handout 7-2 Credit reports
Handout 7-3 Sample Equifax credit report
Handout 7-4 Reading a credit report
Handout 7-5 Credit scores
Activity Sheet 7-6 Equifax credit report request form
Activity Sheet 7-7 TransUnion credit report request form
Handout 7-8 Correcting common errors on credit reports
Activity Sheet 7-9 Credit score scenarios
Handout 7-10 Ways to improve your credit score
Activity Sheet 7-11 Goal-setting
Handout 7-12 Resources
Handout 7-13 Glossary
Module 8: Debt
Activity Sheet 8-1 How much is TOO much
Activity Sheet 8-2 Debt do’s and don’ts
Activity Sheet 8-3 Ladder of debt repayment options
Handout 8-4 Steps to debt repayment
Handout 8-5 Dealing with creditors
Handout 8-6 Collection rules
Activity Sheet 8-7 Collection role play
Activity Sheet 8-8 Goal-setting
Handout 8-9 Resources
Handout 8-10 Glossary
Video: Debt Solutions (video transcript)*NEW*
Module 9: Consumerism
Activity Sheet 9-1 Consumer quiz
Handout 9-2 Advertising techniques and sales tactics
Handout 9-3 Smart shopping tips
Activity Sheet 9-4 Find a better deal
Handout 9-5 Cell phone information
Activity Sheet 9-6 Cell phone checklist
Handout 9-7 Common types of frauds and scams
Handout 9-8 Tips to protect yourself from fraud and scams
Handout 9-9 Dealing with consumer problems
Handout 9-10 Complaint letter
Handout 9-11 Making a complaint about an investment
Activity Sheet 9-12 Rate your financial knowledge part 2
Activity Sheet 9-13 Goal setting
Handout 9-14 Resources
Handout 9-15 Glossary
CERB and other COVID-19 scams
Protect yourself against fraud during COVID-19
Module 1 : Explorer votre relation avec l’argent
Feuille d’activité 1-1 « Trouvez quelqu’un qui… »
Feuille d’activité 1-2 « L’argent c’est… »
Feuille d’activité 1-3 Messages relatifs à l’argent
Feuille d’activité 1-4 Imaginez un peu
Feuille d’activité 1-5 Évaluer vos connaissances financières
Feuille d’activité 1-6 Comment établir des objectifs INTELLLIGENTS
Feuille d’activité 1-7 Établissement d’objectifs
Module 2 : Revenus et impôts
Document 2-1 Prestations gouvernementales
Feuille d’activité 2-2 « Lire le relevé de paie de Jeanne (questionnaire) »
Document 2-2 Lire un relevé de paie
Document 2-3 La déclaration de revenus
Feuille d’activité 2-4 « Le cas de Maria et Fernando »
Feuille d’activité 2-5 « Établissement d’objectifs »
Document 2-6 Ressource
Document 2-7 Glossaire
Déductions, crédits d’impôt et avantages fiscaux – Transcription de la vidéo **NOUVEAU**
Module 3 : L’établissement d’un budget
Feuille d’activité 3-1 Le mot qui commence par un « B » – budget
Feuille d’activité 3-2 Sources de revenus
Feuille d’activité 3-3 Catégories de dépenses
Feuille d’activité 3-4 Scénarios de budget
Feuille d’activité 3-5 feuille de travail pour le budget mensuel
Feuille d’activité 3-6 feuille de travail pour le budget mensuel
Document 3-7 Les stratégies budgétaires
Document 3-8 Conseils budgétaires
Document 3-9 Tenue des dossiers financiers
Feuille d’activité 3-10 Établissement d’objectifs
Document 3-11 Ressources
Document 3-12 Glossaire
Module 4 : Services bancaires et financiers
Document 4-1 Banques et caisses populaires ou coopératives de crédit
Document 4-2 Assurance-dépôts dans les caisses populaires ou coopératives de crédit selon les provinces.
Feuille d’activité 4-3 Questionnaire sure les banques et les services bancaires
Document 4-4 Comptes et services bancaires
Document 4-5 Choisir une banque et un compte
Document 4-6 Ouverture d’un compte de banque
Document 4-7 Quels sont mes droits?
Document 4-8 Services financiers parallèles
Feuille d’activité 4-9 Comparaison des services financiers parallèles avec les services bancaires classiques
Feuille d’activité 4-10 Établissement d’objectifs
Document 4-11 Ressources
Document 4-12 Glossaire
Obtention des paiements gouvernementaux par dépôt direct
Module 5 : L’épargne
Feuille d’activité 5-1 Établissement d’objectifs d’épargne
Feuille d’activité 5-2 Besoins et désirs
Feuille d’activité 5-3 Trouver l’argent
Document 5-4 Intérêt composé
Feuille d’activité 5-5 Bill et Bob
Document 5-6 Outils d’épargne (notions de base)
Document 5-7 Outils d’épargne (notions détaillées)
Feuille d’activité 5-8 Questionnaire sur les outils d’épargne
Feuille d’activité 5-9 Etablissement d’objectifs
Document 5-10 Ressources
Document 5-11 Glossaire
Module 6 : Les notions de base du crédit
Module 7 : Rapports de solvabilité
Document 7-1 Les bureaux de crédit
Document 7-2 Les dossiers de crédit
Document 7-3 Exemple d’un dossier de crédit d’Equifax
Document 7-4 La lecture d’un dossier de crédit
Document 7-5 Les pointages de crédit
Feuille d’activité 7-6 Equifax demande de mon historique de crédit
Feuille d’activité 7-7 TransUnion formulaire de demande de fiche de crédit
Document 7-8 Corriger les erreurs communes inscrites sur les dossiers de crédit.
Feuille d’activité 7-9 Les scenarios sur le pointage de crédit
Document 7-10 Façons d’améliorer votre pointage de crédit
Feuille d’activité 7-11 L’établissement d’objectifs
Document 7-12 Ressources
Module 8 : Les dettes
Feuille d’activité 8-1 Quel montant faut-il éviter de dépasser?
Feuille d’activité 8-2 À faire et à éviter
Feuille d’activité 8-3 L’échelle des options de remboursement des dettes
Document 8-4 Les étapes pour rembourser des dettes
Document 8-5 Traiter avec les créanciers
Document 8-6 Règles en matière de recouvrement
Feuille d’activité 8-7 Jeu de rôle – Recouvrement
Feuille d’activité 8-8 Établissement d’objectifs
Document 8-9 Ressources
Document 8-10 Glossaire
Les dettes – Transcription de la vidéo **NOUVEAU**
Module 9 : Le consumérisme
Feuille d’activité 9-1 Questionnaire du consommateur
Document 9-2 Techniques de publicité et tactiques de vente
Document 9-3 Conseils pour magasiner de manière intelligente
Feuille d’activité 9-4 Trouver la meilleure aubaine
Document 9-5 Information sur le téléphone cellulaire
Feuille d’activité 9-6 Liste de vérification du téléphone cellulaire
Document 9-7 Les fraudes et les arnaques communes
Document 9-8 Gérer des problèmes de consommation
Feuille d’activité 9-9 Lettre de plainte
Feuille d’activité 9-10 Évaluez vos connaissances financières, partie 2
Feuille d’activité 9-11 Établir des objectifs
Document 9-12 Ressources
Document 9-13 Glossaire
Escroqueries liées à la PCU et autres fraudes courantes durant la pandémie de COVID-19
Protégez-vous contre la fraude durant la pandémie de COVID-19
