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How to spot tax season scams

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Home Improvement Scams

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What is an emergency fund?

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Exiting homelessness: Results from the 2022 Canadian Housing Survey

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Benefits of having a financial plan

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Money Smarts: My Financial Journey

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Financial literacy 101

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man and women looking at a computer

Pensions

man and women looking at a computer

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Investor alerts

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Investor tools

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Investor education videos

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Romance and investment scams

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Finfluencers and investing

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Prosper Canada Learning Hub Digest

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Motivations and barriers to seeking debt advice

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OECD/INFE toolkit for measuring Financial Literacy and Financial Inclusion 2022

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Fraud Prevention Month

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Focus groups –Understanding Canadian investors

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Focus: Banks and Consumers

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Community Belonging: A way to end poverty in Canada

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Online employment and job scams – how to recognize the red flags

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Smart steps for sidestepping the latest QR code tricks

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Profiles of retirement

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Canadian crypto survey results for 2023

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A Digital Canadian Dollar: What we heard 2020–23 and what comes next

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Financial Literacy Month 2023

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The barriers we face: Newcomers and the financial markets

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Financial literacy, longevity, and retirement readiness




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Banks responding to unique financial needs of seniors




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Debt Advisory Marketplace / Consumer awareness




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Protect yourself and your family: spotting the signs of financial abuse




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Needs versus wants




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Steps to offering a financial lifeline

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Threats and intimidation to pay your tax bill? How to spot tax season scams

During the income tax filing season, scammers pose as representatives of the Canada Revenue Agency (CRA) in an attempt to trick you into sending payment for fictitious "debts" or into providing sensitive personal information that they can use to commit fraud.

Learn more on how to spot tax season scams and what to do if you are the victim of fraud. 



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Financial literacy courses for Canadian students

Teachers may incorporate two gamified financial literacy courses that are currently freely available into their lessons.

Students can now access two age-appropriate courses designed to help boost students' financial knowledge and confidence at any stage of their financial journey.

Course titles:

  1.  Money Management Foundations* (Grades 6 - 12)
    • Money Management and Budgeting
  2. Money Management After High School* (Grades 9 - 12)
    • Managing My Money After High School

Students will explore resources and tools on the FCAC website that they will be able to use well beyond high school.

*Students can earn a completion certificate issued by the FCAC and ChatterHigh!



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Cyber security awareness quizzes

Discover a new quiz site to help Canadians and Canadian small businesses protect against phishing scams. 

The Canadian Bankers Association has created four quizzes for Canadians to learn more about cyber fraud and how to prevent becoming a victim. 

Quiz #1: Phish, vish, smish

Quiz #2: Social engineering: a peek behind the curtain

Quiz # 3: Protecting your small business from phishing attacks

Quiz #4: How to protect yourself and others

 



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Do you know how to prevent fraud?

Test your knowledge on fraud prevention by answering these 11 questions.



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Soaring with Savings

English

Soaring with savings - Tips and tools to help you save

SWS – About this Resource

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)

SWS – Resources

Soaring with Savings- Full booklet

Soaring with savings - Training tools

Training deck and facilitator guide (English)

Resources

Tax-Free Savings Account Calculator, OSC

Registered Retirement Savings Plan (RRSP), OSC

Making it easier to save, OSC

Investing and Saving during a recession, OSC

Preparing for financial emergencies, OSC

Get your savings back on track, OSC

French

Encourager l’épargne - Conseils et outils pour vous aider à épargner

01 – L’importance de l’épargne
02 – Fixer un objectif d’épargne
03 – Réseau d’aide à l’épargne 
04 – Épargner pour les urgences
05 – Épargner en cas de revenu instable
06 – Épargner pour l’éducation
07 – Épargner pour la retraite

Ressources pour épargner

Encourager l’épargne – Livret complet

Encourager l’épargne - l’aide d’animation

Training deck and facilitator guide (French)

Ressources

CELI calculatrice, La Commission des valeurs mobilières de l’Ontario

REER, La Commission des valeurs mobilières de l’Ontario

Épargnez plus facilement, CVMO

Investir et épargner pendant une récession, La Commission des valeurs mobilières de l’Ontario

Préparation en cas d’urgence financière, CVMO

Remettez vos finances sur la bonne voie, CVMO

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Dealing with Debt

English

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 – Resources

Dealing with debt – Full booklet

Dealing with debt: Training tools

Dealing with debt – Facilitator tools (Training deck, facilitator guide, and sample Equifax credit report) – English

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

Navigating Finances: Paying Down Debt vs. Investing, CIRO

Loan and Trust, FSRA

French

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

Rembourser ses dettes ou investir? OCRI

Services de prêt et de fiducie, ARSF

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Insights into the risks and benefits of digital financial services for consumers

One of the consequences of social distancing and other restrictions, during the pandemic, such as those on business operating hours, is that consumers spent more of their time searching for information, shopping, and streaming entertainment on-line. With more free time on their hands and money in the bank, a larger percentage of the population took up an interest in investing, often through on-line brokerage platforms or in the cryptoasset markets.

Because consumers have been spending more time on-line since the start of the pandemic, they have been more exposed to on-line fraud. In addition to phishing and malware, consumers are dealing with known scams but in digital form, often on social media.

For some consumers, the evergrowing number of reliable and accessible information sources could lead to information overload, also known as “infobesity, where there is so much information that the consumer cannot process it all. Infobesity can lead to decision paralysis. 

In this paper the AMF make the most of their 360-degree view on the financial industry’s digital transformation to review the main changes that occurred in each of their areas of focus, describe the risk of digitalization for the consumers of financial products and services and present the potential opportunities that have been identified to mitigate these risks.



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Managing debt

Managing debt doesn't have to be overwhelming. These tips and tools from the Ontario Securities commission can help you borrow wisely and pay off debt more quickly.



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Research study: Crypto assets 2022

This study by the Ontario Securities Commission examines Canadians’ crypto ownership and knowledge. It found 13% of Canadians currently own crypto assets or crypto funds. The study also found most Canadians did not have a working knowledge of the practical, legal and regulatory dimensions of crypto assets. Crypto assets were believed to play a key role in the financial system by 38% of those surveyed. The study provides a profile of crypto owners, their reasons for purchasing crypto assets or crypto funds, the role of financial advice, impact of advertising, and the experience of crypto owners with crypto trading platforms. 



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National financial literacy strategy video gallery

View the 8 videos created by the Financial Consumer Association of Canada (FCAC) as part of the National Financial Literacy Strategy 2021-2026. Videos include: 

  • Make change that counts: Introducing FCAC’s National Financial Literacy Strategy
  • Communicate in ways people understand
  • Build and provide for diverse needs
  • Support increased digital access and digital literacy
  • Enhance access to trustworthy and affordable financial help
  • Use behavioural design to simplify financial decisions
  • Strengthen consumer protection measures
  • 5 Key Consumer Building Blocks



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Financial literacy around the world: insights from the S&P’s rating services global financial literacy survey

The Standard & Poor's Ratings Services Global Financial Literacy Survey is the world’s largest, most comprehensive global measurement of financial literacy. It probes knowledge of four basic financial concepts: risk diversification, inflation, numeracy, and interest compounding.

The survey is based on interviews with more than 150,000 adults in over 140 countries. In 2014 McGraw Hill Financial worked with Gallup, Inc., the World Bank Development Research Group, and GFLEC on the S&P Global FinLit Survey.



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Behavioural bias checker

Being aware of potential biases can help you become a better decision-maker. Use this tool to improve your awareness of different behavioural biases or “blind spots” that may influence your decisions.



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Municipal Toolkit: A toolkit for embedding financial empowerment supports into municipal services

English

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:

  • My money in Canada is a website that can help clients build healthy money habits with simple, easy to use learning modules on a range of money topics. The site also includes videos and a financial wellness checklist for clients.
  • The RDSP Calculator for Canadians can be used to assess the potential of opening and contributing to a Registered Disability Savings Plan.

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.

  • Prosperity Gateways Primer gives a quick overview of the “what” and “why” of embedding FE into municipal services.
  • FE Brochure provides a more detailed introduction to FE and embedding FE.
  • Here are three case examples you can use to show the powerful impact embedding FE into municipal services can have:
  • Case example: York region
  • Case example: TESS
  • Case example: Edmonton

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:

  • Understanding your clients’ financial capability
  • Building a successful team
  • Supporting staff for success
  • Setting up effective data collection and evaluation processes

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: [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.

  • Read the pioneering article: “Municipal Financial Empowerment: A Supervitamin for Public Programs”
  • Learn more about their Financial Empowerment Centers model in this 4-minute video
  • Visit their website to see resources and sign up for their quarterly newsletter
  • See a three-year evaluation of the model in 5 cities across the US. “An Evaluation of Financial Empowerment Centers – Building People’s Financial Stability as a Public Service”

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.”

French

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 :

  • Mon argent au Canada est un site Web qui peut aider les clients à acquérir de bonnes habitudes en matière de gestion de l’argent grâce à des modules d’apprentissage simples et faciles à utiliser sur toute une série de sujets liés à l’argent. Le site comprend également des vidéos (anglais seulement) et un questionnaire relatif au bien-être financier pour les clients.
  • La calculatrice du REEI pour les Canadiens peut être utilisée pour évaluer la possibilité d’ouvrir et de cotiser à un régime enregistré d’épargne-invalidité.

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 :

  • Comprendrela capacité financière de vos clients
  • Mettresur pied une équipe performante
  • Soutenirle personnel pour qu’il réussisse
  • Mettreen place des processus efficaces de collecte de données et d’évaluation

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 : [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.

  • Lisez l’article pionnier : « Municipal Financial Empowerment: A Supervitamin for Public Programs » (anglais seulement)
  • Apprenez-en davantage sur leur modèle de centres d’autonomisation financière (anglais seulement) dans cette vidéo de quatre minutes.
  • Visitez leur site Web (anglais seulement) pour voir les ressources et vous inscrire à leur infolettre trimestrielle.
  • Découvrez une évaluation de trois ans du modèle dans cinq villes des États-Unis. « An Evaluation of Financial Empowerment Centers – Building People’s Financial Stability as a Public Service » (anglais seulement)

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).

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Translated financial terms

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. 

 



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Five Good Ideas about using human-centred design for social change

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How women can save more money

This webinar hosted by FCAC (originally broadcast on November 17, 2021) targets women who want to learn more about managing money and building saving habits.

Guest speaker, personal financial expert, Rubina Ahmed-Haq has also contributed to Canada's financial literacy blog on "Women face unique money challenges".

Helpful links related to the content matter in this video:

Budget Planner

Getting help from a credit counsellor

Choosing a financial advisor

 



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Momentum’s Money Management Courses

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Learn about your taxes (free CRA online course)

A free online course to learn about personal income taxes in Canada, developed by the Canada Revenue Agency.

Contents include:

  1. Starting to work: Why you need a social insurance number (SIN), when to fill out a TD1 form, and what’s on your pay stub and T4 slip.
  2. Preparing to do your taxes: Find out what you’ll need to know before doing your taxes and the different ways to do them.
  3. Completing a basic tax return: An introduction to a basic income tax and benefit return. What you need to report, how to claim deductions and tax credits, and finding out whether you will get a refund or owe tax.

Additional resources for teachers and facilitators are available.

 



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The Comeback Generation: Pandemic is inspiring Gen Z to build financial resilience

The coronavirus pandemic has tested the limits of Canadians over the past 20 months. What began as a health crisis quickly morphed into an economic crisis, with the spread of COVID‑19 shocking large segments of the economy and leaving many without paycheques. While no generation has been unaffected by the pandemic, the economic impact was distributed unevenly. Many younger Canadians in Generation Z, or Gen Z, have had their education disrupted, career plans changed, and financial prospects diminished largely because they are overrepresented in the highly affected service sector, according to a new survey by the Canadian Bankers Association (CBA).

The survey was published to mark Financial Literacy Month, which takes place each November, and found that more than half (53 per cent) of Gen Z respondents (aged 18‑25) felt the pandemic upended their financial security, with that number rising to 73 per cent for those in less stable financial situations. At the same time, nine‑in‑ten (88 per cent) Gen Zers are feeling optimistic about their financial futures, and nearly all of them (98 per cent) are actively making plans to strengthen their financial resilience.

"Gen Z was dealt a disproportionately tough hand during the pandemic, but it has also shown incredible resilience in channeling its natural gifts for perseverance, adaptability and motivation," says Neil Parmenter, President and CEO, Canadian Bankers Association. "Despite the setbacks, younger Canadians are eager to forge ahead, be prepared for the unexpected and build bright futures as our economy recovers."



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Debt got you down?

The CBA partnered with Credit Counselling Canada, an association of accredited non-profit credit counselling agencies, to offer the Debt and Money Quiz. 

The online tool helps Canadians assess their financial health and provides recommendations to help those who are struggling financially. 

Take a short “Yes” or “No” quiz to find out if you need support managing money and debt. See how you compare with other quiz respondents.



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Make Change that Counts: National Financial Literacy Strategy 2021-2026

The Financial Consumer Agency of Canada’s (FCAC’s) mandate is to protect Canadian financial consumers and strengthen financial literacy. 

The National Strategy is a 5-year plan to create a more accessible, inclusive, and effective financial ecosystem that supports diverse Canadians in meaningful ways. The National Strategy is focused on how financial literacy stakeholders can reduce barriers, catalyze action, and work together, to collectively help Canadians build financial resilience.



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CFPB Consumer Education Resources

Resources to provide consumers up-to-date information to protect and manage their finances during the coronavirus pandemic. Resources include:

  • mortgage and housing assistance
  • managing your finances
  • student loans
  • avoiding scams

And resources for specific audiences, including:

  • older adults & their families
  • parents & kids
  • people experiencing homelessness



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Measuring the Financial Well-Being of Hispanics: 2018 Financial Well-Being Score Benchmarks

This report provides a foundational set of benchmarks of the financial well-being of Hispanics ages 18 and older in the United States in 2018, as measured by the CFPB Financial Well-Being Scale, that practitioners and researchers can use in their work. The benchmarks were developed using data from the FINRA Foundation’s 2018 National Financial Capability Survey. This report specifically shows financial well-being score patterns for Hispanic adults by socio-demographics, financial inclusion, safety nets, and financial literacy factors. The report highlights key findings in the data and the implications for organizations that are planning to use the benchmarks.



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Get Smarter About Money: Financial Literacy 101 videos

GetSmarterAboutMoney.ca is an Ontario Securities Commission (OSC) website that provides unbiased and independent financial tools to help you make better financial decisions. This series of videos covers different financial literacy topics., including:

  • What is an RRSP?
  • What is a TFSA?
  • What is a mutual fund?
  • Why open an RRSP?
  • What is an RESP?

 



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Financial Well-Being: A Conceptual Model and Preliminary Analysis

Based on an extensive literature review and re-analysis of existing qualitative data, this report offers a working definition and an a priori conceptual model of financial well-being and its possible determinants. Using survey data from Norway (2016), ten regression models have been conducted to identify the key drivers of financial well-being and enhance the understanding of the underlying mechanisms responsible for the unequal spread of well-being across the population. The preliminary analyses in this report were consistent with both the definition and the model, albeit with some nuances and unexplained effects.

The empirical analysis identified three sub-domains of financial well-being. It was found that all three measures share three behaviours as their main drivers: ‘active saving’, ‘spending restraints’ and ‘not borrowing for daily expenses’. Also, ‘locus of control’ stood out as an important explanatory variable, with significant impacts on all three levels of well-being. Beyond that, some distinguishing characteristics were identified for each of the measures.

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Momentum’s Money Management Courses

The money management courses are offered online, on demand, for free. Learn at your own pace and on your own schedule on a variety of topics, including:

  • budgeting
  • credit
  • assets
  • banking
  • consumerism
  • education savings

 



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GFLEC – Finlit Talks

This video series offers concise summaries of in-depth academic and practitioner presentations, in plain English, for dissemination to a worldwide audience. For convenient viewing, most videos are between three and six minutes long.



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The TIAA Institute-GFLEC Personal Finance Index (P-Fin Index)

The TIAA Institute-GFLEC Personal Finance Index (P-Fin Index) measures knowledge and understanding that enable sound financial decision making and effective management of personal finances among U.S. adults. The P-Fin Index is an annual survey developed by the TIAA Institute and the Global Financial Literacy Excellence Center, in consultation with Greenwald & Associates. It is unique in its breadth of questions and its coverage of the topics that measure financial literacy. The index is based on responses to 28 questions across eight functional areas: earning, consuming, saving, investing, borrowing/managing debt, insuring, comprehending risk, and go-to information sources.



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Money Mentors – Savings & Debt Resources

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.



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Financial Well-being among Black and Hispanic Women

This paper provides an in-depth examination of the financial well-being of Black and Hispanic women and the factors contributing to it, using the 2018 wave of the National Financial Capability Study. Differences between Black and Hispanic women versus White women are documented, in that the former are more likely to face economic challenges that depress financial well-being. Controlling for differences in socio-demographic characteristics, there are important differences in the factors that contribute to financial well-being for Black and Hispanic women compared to White women. This includes distinct impacts of education, family structure, employment, and financial literacy. Results imply that extant financial education programs inadequately address the needs of Black and Hispanic women.



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Fearless Woman: Financial Literacy and Stock Market Participation

Women are less financially literate than men. It is unclear whether this gap reflects a lack of knowledge or, rather, a lack of confidence. This survey experiment shows that women tend to disproportionately respond “do not know” to questions measuring financial knowledge, but when this response option is unavailable, they often choose the correct answer. The authors find that about one-third of the financial literacy gender gap can be explained by women’s lower confidence levels. Both financial knowledge and confidence explain stock market participation.



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Testing the use of the Mint app in an interactive personal finance module

To advance understanding of effective financial education methods, the Global Financial Literacy Excellence Center (GFLEC) conducted an experiment using Mint, a financial improvement tool offered by Intuit, whose financial products include TurboTax and QuickBooks. This study measures Mint’s effectiveness at improving students’ financial knowledge, attitudes, and behavior. Students at the George Washington University participated in a half-day budgeting workshop and were exposed to either Mint, which is a real-time, automated platform, or Excel, which is an offline, static tool. 

The authors found that participation in both workshops was associated with improved preparedness to have conversations about money matters with parents, a greater sense of financial autonomy, and an increased awareness of the importance of budgeting, but that participants in the Mint workshop were more likely to have a positive experience using the budgeting tool, to feel confident that they could achieve a financial goal, and to be engaged in budgeting one month after the workshop. Results show that even short financial education interventions can meaningfully influence students’ financial attitudes and behavior and that an interactive tool like Mint may have advantages over a more static tool like Excel. 



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2019 Financial Literacy Annual Report

The 2019 Financial Literacy Annual Report of the Consumer Financial Protection Bureau highlights the Bureau’s Start Small, Save Up campaign, the Office of Financial Education’s foundational research, in conjunction with the Office of Older Americans, to understand the pathways to financial well-being, the Office of Servicemembers Affairs’ Misadventures in Money Management online training program, the Office of Older Americans’ Managing Someone Else’s Money guides, and the Office of Community Affairs’ Your Money, Your Goals toolkit, along with other direct to consumer tools, community outreach channels, and areas of research.



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2020 Financial Literacy Annual Report

The 2020 Financial Literacy Annual Report details the United States' Bureau of Consumer Financial Protection's financial literacy strategy and activities to improve the financial literacy of consumers. Congress specifically charged the Bureau with conducting financial education programs and ensuring consumers receive timely and understandable information to make responsible decisions about financial transactions. Empowering consumers to help themselves, protect their own interests, and choose the financial products and services that best fit their needs is vital to preventing consumer harm and building financial well-being. Overall, this report describes the Bureau’s efforts in a broad range of financial literacy areas relevant to consumers’ financial lives. It highlights our work, including the Bureau's:

  • Response to the COVID-19 pandemic
  • Pivot to financial resilience
  • Start Small, Save Up campaign
  • Foundational research to understand the pathways to financial well-being
  • Misadventures in Money Management online training program
  • Managing Someone Else’s Money guides
  • Your Money, Your Goals toolkit
  • Paying for College tool
  • Direct to consumer tools, community outreach channels, and areas of research



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Connecting to Reimagine: Money & COVID-19 webinar series

This webinar series released by the Global Financial Literacy Excellence Center (GFLEC) features speakers from the public, private, and academic sectors.

Past and upcoming webinar topics include:

  • Navigating Retirement Security Through a Pandemic

  • Financial Literacy and Wellness Among Women

  • Financial Fragility During the Pandemic: The Path Forward

  • Optimizing National Strategies for Financial Education

  • Crafting Policies that Address Inequality in Saving, Wealth, and Economic Opportunities

  • Investor Knowledge and Behaviors in Times of Crisis

  • Increasing Financial Knowledge for Better Rebuilding

  • Designing an Inclusive Recovery

  • Millennials: Buttressing a Generation at Risk



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Review of Financial Literacy Research in Canada: An Environmental Scan and Gap Analysis

The Review of Financial Literacy Research in Canada highlights past and current advancements in financial literacy research (produced by government and non-governmental stakeholders) while identifying existing gaps within the financial landscape. The overriding goal is to help strengthen the financial well-being of all Canadians. The review contains four research priorities: managing debt, navigating the financial marketplace, building savings, and budgeting.



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Financial Literacy Month – 10th anniversary Resources

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:

  • Keep track of your money
  • Minimize debt
  • Reassess financial goals
  • Protect yourself against financial fraud
  • Set up an emergency fund
  • Understand financial products and services

 



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COVID-19 Resources for people with disabilities

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:

  • Information on the COVID-19 stimulus
  • Employment and unemployment
  • Public benefits
  • Managing money
  • Housing, food and healthcare
  • Scams



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Real Money, Real Experts Podcasts

Real Money, Real Experts is a personal finance podcast written and produced by AFCPE (Association for Financial Counseling & Planning Education). Their membership community offers a place for financial counsellors and financial fitness coaches to share best practices, solve similar struggles, and access tools and resources.

Recent episodes include the following topics:

  • Economic Self-Sufficiency: How Financial Professionals Support Individuals with Disabilities
  • Empowering Communities after COVID-19
  • Where Race & Gender Intersect: Why the Wealth Gap is Widening and How to Help

 



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Financial Literacy and Wellness Among U.S. Women: Insights on Underrepresented Minority Women

The 2020 TIAA Institute-GFLEC Personal Finance Index (P-Fin Index) survey was fielded in January 2020 and included an oversample of women. This enables examining the state of financial literacy and financial wellness among U.S. women immediately before the onset of COVID-19. A more refined understanding of financial literacy among women, including areas of strength and weakness and variations among subgroups, can inform initiatives to improve financial wellness, particularly as the United States moves forward from the pandemic and its economic consequences.



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COVID-19 Financial Resilience Hub

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.



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Millennials and money: Financial preparedness and money management practices before COVID-19

Millennials (individuals age 18–37 in 2018) are the largest, most highly educated, and most diverse generation in U.S. history

This paper assesses the financial situation, money management practices, and financial literacy of millennials to understand how their financial behaviour has changed over the ten years following the Great Recession of 2008 and the situation they were in on the cusp of the current economic crisis (in 2018) due to the COVID-19 pandemic.

 Findings from the National Financial Capability Study (NFCS) show that millennials tend to rely heavily on debt, engage frequently in expensive short- and long-term money management, and display shockingly low levels of financial literacy. Moreover, student loan burden and expensive financial decision making increased significantly from 2009 to 2018 among young adults.



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Financial literacy and financial resilience: Evidence from around the world

This study presents findings from a measurement of financial literacy using questions assessing basic knowledge of four fundamental concepts in financial decision making: knowledge of interest rates, interest compounding, inflation, and risk diversification. Worldwide, just one in three adults are financially literate—that is, they know at least three out of the four financial concepts. Women, poor adults, and lower educated respondents are more likely to suffer from gaps in financial knowledge.



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Launch of the OECD/INFE 2020 International Survey of Adult Financial Literacy

This report provides measures of financial inclusion including elements of financial resilience and a newly-created score on financial well-being.

Twenty-six countries and economies, including 12 OECD countries, participated in this international survey of financial literacy, using the 2018 OECD/INFE toolkit to collect cross-comparable data. The survey results report the overall financial literacy scores, as computed following the OECD/INFE methodology and definition, and their elements of knowledge, behaviour, and attitudes.

The data used in this report are drawn from national surveys undertaken using and submitted to the OECD as part of a co-ordinated measurement exercise; as well as data gathered as part of the OECD/INFE Technical Assistance Project for Financial Education in South East Europe.



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National Strategies for Financial Education: OECD/INFE Policy Handbook

Financial education has become an important complement to market conduct and prudential regulation and improving individual financial behaviours a long-term policy priority in many countries. The OECD and its International Network on Financial Education (INFE) conducts research and develops tools to support policy makers and public authorities to design and implement national strategies for financial education.

This handbook provides an overview of the status of national strategies worldwide,  an analysis of relevant practices and case studies and identifies key lessons learnt. The policy handbook also includes a checklist for action, intended as a self-assessment tool for governments and public authorities.



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G20/OECD INFE Core Competencies Framework on financial literacy for Adults (aged 18+)

This document describes the types of knowledge that adults aged 18 or over could benefit from, what they should be capable of doing and the behaviours that may help them to achieve financial well-being, as well as the attitudes and confidence that will support this process. It can be used to inform the development of a national strategy on financial education, improve programme design, identify gaps in provision, and create assessment, measurement and evaluation tools.



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OECD/INFE Toolkit for measuring financial literacy and financial inclusion, 2018

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Budgeting resources webinar

This webinar hosted by Credit Canada features guest expert Prosper Canada's Manager of Learning and Training, Glenna Harris. She shares some of their tried-and-true resources to help get people started on budgeting and debt management.

She also provides a new tool - Financial Relief Navigator - that can help connect people with income supports they might be eligible for.



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Pressure Creates Diamonds: Money Management During Coronavirus

The town hall with CFPB Director Kraninger and Pro Linebacker Brandon Copeland includes steps, and tools to help people plan and persevere during financial challenges.

The page also includes access to free resources on a number of topics including mortgage help, dealing with student loans, paying bills, building savings and more.



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COVID-19 financial literacy resources

CPA Canada has put together resources to help manage your finances and provide you with the tools you need during this crisis – and beyond.



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COVID-19 Financial Resource Centre

Credit Canada has pulled together financial information from trusted sources and released original content to help Canadians manage their finances during COVID-19.



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Accessing Financial Literacy Education Programs: Barriers and opportunities for women living on low incomes

When women living on low incomes are able to access effective Financial Literacy Education (FLE) programs, they will be better positioned to fully participate in economic life, help build a stronger economy, and improve the quality of life for themselves, their families, and their communities.

This needs assessment was part of Families Canada’s 3-year project titled “Increasing financial literacy opportunities for women living on low incomes: An action plan for change.” Partners included the Canadian Credit Union Association and Vancity. Funding was generously provided by the Department for Women and Gender Equality. The project seeks to ensure organizations have the information they need to adapt their existing financial literacy initiatives and programs to better meet the needs of women living on low incomes. 



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Disability Alliance BC

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.



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Plan Institute Learning Centre

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.



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Set a Goal: What to Save For

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. 



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Webinar series on remote program delivery

A series of webinars hosted by ABC Life Literacy Canada to support literacy practitioners across the country to implement remote program delivery.

Topics include:

  • How to Use Zoom & Google Meet (formerly Google Hangouts)
  • How to Use WhatsApp & FaceTime
  • How to Use Skype & GoToWebinar
  • Tips for remote delivery of ABC workshops
  • Community Webinar: Adapting Programs to a Changing Landscape
  • Activate Learning



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The Impact of Matched Savings Programs: Building Assets & Lasting Habits

Matched Savings programs, or Individual Development Accounts, are a financial empowerment strategy that aim to build financial stability and reduce poverty. These programs build sustainable livelihoods by working with participants to earn savings while learning about money management, build regular savings habits, self-confidence, and hope for the future. Matching
funds act as a power boost to the participants’ own savings, allowing them to purchase productive assets to move their lives forward.

This brief presents key findings from Momentum's Matched Saving programs and the impact on program graduates' saving habits, establishment of emergency savings, and contribution to registered savings.



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How to deliver virtual financial education workshops

Resources

Handouts, slides, and time-stamps

Read the presentation slides for this webinar.

Handouts for this webinar:
Online financial tools and calculators (Prosper Canada)
Virtual tools for participant engagement (Prosper Canada)
Online delivery check-list (Momentum)
Jeopardy game template (SEED)

Time-stamps for the video recording:
3:26 – Agenda and introductions
5:10 – Audience polls
8:19 – Virtual delivery considerations (Speaker: Glenna Harris, Prosper Canada)

12:39 – Virtual workshops best practices (Speaker: Fatima Esmail, Momentum)
33:12 – Online money management training (Speaker: Millie Acuna, SEED)
49:07 – Q&A

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Financial well-being in America

This report provides a view into the state of financial well-being in America. It presents results from the National Financial Well-Being Survey, conducted in late 2016. The findings include the distribution of financial well-being scores for the overall adult population and for selected subgroups, which show that there is wide variation in how people feel about their financial well-being. The report provides insight into which subgroups are faring relatively well and which ones are facing greater financial challenges, and identifies opportunities to improve the financial well-being of significant portions of the U.S. adult population through practice and research.



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Credit Characteristics, Credit Engagement Tools, and Financial Well-Being

This report presents results from a joint research study between the Consumer Financial Protection Bureau (CFPB) and Credit Karma. The purpose of the study is to examine how consumers’ subjective financial well-being relates to objective measures of consumers’ financial health, specifically, consumers’ credit report characteristics. The study also seeks to relate consumers’ subjective financial well-being to consumers’ engagement with financial information through educational tools.



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Understanding the Pathways to Financial Well-Being

The National Financial Well-Being Survey Report is the second report in a series from the Understanding the Pathways to Financial Well-Being project. 

In order to measure and study the factors that support consumer financial well-being, in 2015, the Bureau of Consumer Financial Protection (the Bureau) contracted with Abt Associates to field a large, national survey to collect information on the financial well-being of U.S. adults. The present report uses data collected from that survey to answer a series of questions on the relationship among financial well-being and four key factors: objective financial situation, financial behavior, financial skill, and financial knowledge. In this study, we aim to enhance understanding of financial well-being and the factors that may support it by exploring these relationships.



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Identity theft

Identity thieves try to use your personal information to take money from your bank account, shop with your credit card, or even commit crimes in your name. This publication explains how to spot the warning signs of identity theft, how to protect yourself, and what you can do if it happens to you.



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Beware of scams related to the coronavirus

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.



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New Risks and Emerging Technologies: 2019 BBB Scam Tracker Risk Report

The Better Business Bureau Institute for Marketplace Trust (BBB Institute) is the 501(c)(3) educational foundation of the Better Business Bureau (BBB). BBB Institute works with local BBBs across North America.

This report uses data submitted by consumers to BBB Scam Tracker to shed light on how scams are being perpetrated, who is being targeted, which scams have the greatest impact, and much more. The BBB Risk Index helps consumers better understand which scams pose the highest risk by looking at three factors—exposure, susceptibility, and monetary loss. The 2019 BBB Scam Tracker Risk Report is a critical part of BBB’s ongoing work to contribute new, useful data and analysis to further the efforts of all who are engaged in combating marketplace fraud.

Update February 24, 2022: BBB Scam Tracker- Risk Report 2020

 



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Why are lower-income parents less likely to open an RESP account? The roles of literacy, education and wealth

Parents can save for their children's postsecondary education by opening and contributing to a Registered Education Savings Plan (RESP) account, which provides tax and other financial incentives designed to encourage participation (particularly among lower-income families). While the share of parents opening RESP accounts has increased steadily over time, as of 2016, participation rates remained more than twice as high among parents in the top income quartile (top 25%) compared with those in the bottom quartile.

This study provides insight into the factors behind the gap in (RESP) participation between higher and lower-income families.



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Providing one-on-one financial coaching to newcomers: Insights for frontline service providers

One-on-one financial help is a key financial empowerment (FE) intervention that Prosper Canada is working to pilot, scale and integrate into other social services, in collaboration with FE partners across the country. FE is increasingly gaining traction as an effective poverty reduction measure. FE interventions include financial coaching and supports that assist people to build money management skills, access income benefits, tackle debt, learn about safe financial products and services and find ways to save for emergencies.

This report shares insights on providing one-on-one financial coaching to newcomers captured through two financial coaching pilot projects that Prosper Canada conducted in collaboration with several frontline community partners.



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Budgeting and Saving Toolkit

English

Getting started

My values and money
Set a SMART financial goal

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

Saving

Let compound interest work for you
Ten savings tips

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) 
Compound interest – Canadian Investment Regulatory Organization (CIRO)

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)
How to prepare for a financial emergency – Ontario Securities Commission (OSC)

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

Resources to help clients with budgeting at the grocery store:

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

French

Commencer

Mes valeurs et l’argent
Se fixer un objectif financier SMART

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

L’épargne

Laissez les intérêts composés faire le travail à votre place
10 conseils pour épargner

Ressources

Glossaire relatif au budget
Ressources en matière de budget et d’épargne 
Les intérêts composés 
Remettez vos finances sur la bonne voie

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Financial Health Index: 2019 Findings and 3-Year Trends Report

This report explores consumer financial health, wellness/ stress and resilience for Canadians across a range of financial health indicators, demographics and all provinces excluding Quebec. This report provides topline results from the 2019 Financial Health Index study and three-year trends from 2017 to 2019.



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OECD/INFE Report on Financial Education in APEC Economies: Policy and practice in a digital world

This report responds to a call made by APEC Finance Ministers at their 23rd Ministerial Meeting in Lima in 2016 to advance “the design and implementation of financial literacy policies building on the expertise and standards developed by the OECD International Network on Financial Education”.

The findings illustrate that the majority of APEC economies are well-advanced in their efforts to collect relevant data, implement appropriate financial education policies, and address the remaining issues related to financial literacy, inclusion and consumer
protection. They are applying international best practices and making good use of available tools and resources to develop and refine strategic approaches and specific initiatives. However, there is still some way to go in ensuring that everyone living in an APEC
economy has the financial literacy that they need and concerns about financial fraud or abuse, the high complexity of financial services and the low financial literacy of specific population groups are driving policy interest in improving financial education.



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Ageing and Financial Inclusion: 8 key steps to design a better future

The G20 Fukuoka Policy Priorities for Ageing and Financial Inclusion is jointly prepared by the GPFI and the OECD. The document identifies eight priorities to help policy makers, financial service providers, consumers and other actors in the real economy to identify and address the challenges associated with ageing populations and the global increase in longevity. They reflect policies and practices to improve the outcomes of both current generations of older people and future generations.



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Smarter Financial Education: Key lessons from behavioural insights for financial literacy initiatives

This publication presents key findings for financial education, drawn from the IOSCO/OECD joint report “The Application of Behavioural Insights to Financial Literacy and Investor Education Programmes and Initiatives”. It gives a short overview of the ways in which behavioural insights are relevant for financial education and then summarises five key lessons that policy makers can follow, illustrated with the experiences of OECD/INFE members.



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Using Research to Improve the Financial Well-being of Canadians: Post-symposium Report

The Financial Consumer Agency of Canada (FCAC) co-hosted the 2018 National Research Symposium on Financial Literacy on November 26 and 27, 2018 at the University of Toronto, in partnership with Behavioural Economics in Action at Rotman (BEAR).

This report presents the key ideas and takeaways from the event, while shining a light on the research shaping new solutions designed to enhance financial well-being in Canada and around the world.



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2018 White Paper: Financial Wellbeing Remains Challenged in Canada

The study examines consumers’ financial knowledge and confidence levels; financial and money stressors, financial capability aspects and financial management behaviours and practices (across the financial services spectrum). The study also explores external or environmental factors such as income variability and the extent to which Canadians have access to and lever their social capital (i.e. their family and friends who can provide financial advice and/or support in times of hardship).

The study also explores consumer financial product and service usage, debt management and debt stress, access to financial products, services, advice and tools, usage of more predatory financial services (e.g. payday lending) and perceived levels of support by consumers’ primary Financial Institution for their financial wellness. The study also provides benefits of improved support for financial providers improving the financial wellness of their customers – including from a banking share of wallet and brand perspective.



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How personality traits and economic beliefs shape financial capability and literacy

An emerging body of international literature is beginning to reveal a significant connection between financial capability metrics and personality, suggesting that what influences our financial well-being may be more nuanced than we previously thought. 

This report investigates how the inclusion of personality traits impacts the analysis of the gender difference in financial capability scores.



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The impact of personality traits: a fresh look at gender differences in financial literacy

An emerging body of international literature is beginning to reveal a significant connection between financial capability metrics and personality, suggesting that what influences our financial well-being may be more nuanced than we previously thought.

This study investigates how the inclusion of personality traits impacts the analysis of the gender difference in financial capability scores.



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Retirement Literacy Website

The ACPM Retirement Literacy Program complements the financial literacy education efforts by the federal and provincial governments, and other organizations.

The website contains a series of quizzes to help improve your knowledge of pensions and retirement savings plans as well as links to financial literacy resources.



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Blended programs: Boosting financial education and participant outcomes

Resources

Handouts, slides, and time-stamps

Read the presentation slides for this webinar.

Handouts for this webinar:
How Savings Circles Works
Information about the Strive program

Time-stamps for the video recording:
3:35 – Agenda and introductions
6:00 – Audience polls
10:58 – Financial empowerment interventions (Speaker: Glenna Harris)
14:00 – Savings Circles program at Momentum (Speaker: Anna Jordan)
33:18 – Strive program (Speaker: Monica daPonte)
55:50 – Q&A

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Budget Planner

The Financial Consumer Agency of Canada (FCAC)'s online tool helps you create a customized budget.



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Financial coaching for newcomers: Promising practices

Resources

Handouts, slides, and time-stamps

Read the presentation slides for this webinar

Access the handouts for this webinar:
Poster presentation: Financial Empowerment for Newcomers project
Infographics: Newcomer settlement stages, money matters, and client personas

Time-stamps for the video recording:
3:11 – Agenda and introductions
5:21 – Audience poll
8:25 – Introduction to Financial Empowerment for Newcomers project (Speaker: Glenna Harris)
11:25 – AXIS financial coaching program (Speaker: Sheri Abbot)
30:05 – North York Community House financial coaching program (Speaker: Noemi Garcia)
45:40 – Q&A

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My money in Canada

Are you a newcomer to Canada, or someone who works with newcomers? This online tool will help you explore five money modules to better manage your finances in Canada. Learn about the financial system in Canada, income and expenses, setting goals and saving, credit and credit reports, and filing taxes. 

 

Updated July 26, 2022:

My money in Canada provides important information about Canada’s financial system and promotes positive money management habits to support Canadians to succeed financially. Interactive exercises and checklists support you to make informed choices and to create a customized financial plan that works for you.

Originally designed to support newcomers to Canada as they settle and establish themselves financially, My money in Canada has  been updated to serve all Canadians, including those who are new to Canada.

 



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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.



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Money stories: Financial resilience among Aboriginal and Torres Strait Islander Australians

This report builds on previous work on financial resilience in Australia and represents the beginning of an exploration of the financial resilience of Aboriginal and Torres Strait Islander peoples. Overall, we found significant economic disparity between Indigenous and non-Indigenous Australians. This is not surprising, given the histories of land dispossession, stolen wages and the late entry of Indigenous Australians into free participation in the economy (it is only 50 years since the referendum to include Aboriginal and Torres Strait Islander peoples as members of the Australian population).

Specifically, we found:

  • Only one in ten Indigenous Australians are financially secure.
  • Fewer than two in five Indigenous people can access $2,000 for an emergency, compared with four in five in the broader Australian population.

Severe financial stress is present for half the Indigenous population, compared with one in ten in the broader Australian population. Read the report to find out more about the financial barriers faced by Indigenous people in Australia, and the sharing economy in which money as a commodity can both help and hurt financial resilience.



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My money in Canada

This online tool will help you learn about the financial system in Canada and how to manage your money. Explore five money modules on banking, income and expenses, money goals and savings, credit, and taxes. 

Clients can do the modules in the order they appear, or just the ones they want to use. The tool is intended to be used with clients and settlement workers together, but can also be used by the client on their own if they are comfortable. 



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Managing spending: Ideas for financial educators

As financial educators know, making day-to-day decisions on spending money is one of the biggest challenges consumers face in keeping their financial lives in order. Many people find it difficult to manage their household finances on a daily basis, let alone over the long term.

This brief from the Bureau of Consumer Financial Protection identifies a few ideas to explore causes of over-spending and ideas to help prevent it. 



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Are Low-Income Savers Still in the Lurch? TFSAs at 10 Years

The introduction of Tax-Free Savings Accounts (TFSAs) in 2009 transformed how  Canadians save. One of the main reasons for creating TFSAs was to provide a taxassisted savings instrument for low-income Canadians to enable them to improve their retirement income. Now, 10 years later, many low-income savers are still not using TFSAs in ways that would allow them to benefit fully from the government transfer programs intended for them in retirement, such as the Guaranteed Income Supplement. Consequently, intended benefits from TFSAs are going untapped. Improving public education and financial literacy may be part of the solution to this problem, but built-in policy nudges and tax adjustments will be more effective.



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Does State-Mandated Financial Education Affect High-Cost Borrowing?

Using pooled data from the 2012 and 2015 waves of the National Financial Capability Study (NFCS), this research finds that young adults who were required to take personal finance courses in high school were significantly less likely to borrow payday loans than their peers who were not. These effects do not significantly differ by race/ethnicity or gender, suggesting that financial education may be useful regardless of demographics.



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Compound Interest Calculator

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Account Comparison Tool

Compare features for different chequing and savings accounts, including interest rates, monthly fees and transactions. Find an account that best suits your needs. Narrow your search, view search results, and compare your results using this account comparison tool from the Financial Consumer Agency of Canada.

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Credit Card Payment Calculator

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Tax Filing Toolkit

English

2024 Tax Resources: Canada Revenue Agency

Steps to get ready for 2024 taxes

Free tax clinics

Tax credits and benefits for individuals

Claiming deductions, credits and expenses

Taxology podcasts

Taxes and benefits for Indigenous peoples

UFile Overview

CVITP learning guide

2023 Tax Resources: Canada Revenue Agency

The Canada Revenue Agency kicks off the 2023 Tax filing season

  • Factsheet – Students
  • Factsheet – Persons with disabilities
  • Factsheet – Modest income individuals
  • Factsheet – Housing insecure individuals
  • Factsheet – Adults 65 and older
  • Factsheet – Indigenous peoples
  • Factsheet: Northern residents deductions
  • Factsheet: Individuals experiencing gender based violence
  • Factsheet – Newcomers

Resources

  • Infographic: Child-related benefits
  • Infographic: Newcomers
  • Tear sheet: Register for my account
  • Tear sheet: Doing your taxes
  • Service option card
  • Video: Individuals with a modest income
  • Video: Persons with disabilities
  • Video: International Students
  • Video: Students, it pays to do your taxes!
  • SimpleFile by Phone automated phone service (formerly called File my Return)

2022 Tax Resources: Canada Revenue Agency

  • Benefits and credits fact sheet – Students
  • Benefits and credits fact sheet – Persons with disabilities
  • Benefits and credits fact sheet – Modest income individuals
  • Benefits and credits fact sheet – Housing insecure individuals
  • Benefits and credits fact sheet – Adults 65 and older
  • Benefits and credits fact sheet – Women in shelters
  • Benefits and credits fact sheet – Indigenous peoples
  • Benefits and credits fact sheet – Newcomers

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

Registered Retirement Savings Plan (RRSP), OSC

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)
Virtual Tax Filing: Piloting a new way to file taxes for homebound seniors – Prosper Canada
Webinar Series on Taxes (May 2020) – Momentum 
SimpleFile by Phone automated phone service (formerly called File my Return) – Prosper Canada Learning Hub 
Tax season prep – Plan Institute 
Demystifying the Disability Tax Credit – Canada Revenue Agency (CRA) 
What to do if your tax return is reviewed or audited – OSC

French

Ressources de déclaration de revenus 2024 - Agence du revenu du Canada

Préparez-vous à faire vos impôts

Comptoirs d’impôts gratuits

Crédits d’impôt et prestations pour les particuliers

Demander des déductions, des crédits et des dépenses – Impôt sur le revenu des particuliers

Balados

Impôts et prestations : peuples autochtones

Aperçu d’ImpôtExpert

Guide d’apprentissage du PCBMI

Ressources de déclaration de revenus 2023 - 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: Les personnes autochtones
  • Fiche descriptive : Déductions pour les habitants de régions éloignées
  • Fiche descriptive : Personnes aux prises avec la violence fondée sur le sexe
  • Fiche descriptive: Les nouveaux arrivants

Ressources

  • Infographie – Prestations pour enfants
  • Infographie – Prestations et crédits pour les nouveaux arrivants
  • Feuille détachable : Inscrivez-vous à Mon dossier
  • Feuille détachable : Produire votre déclaration de revenus
  • Carte d’option de service
  • Webinaire – Les personnes à revenu modeste
  • Video: Persons with disabilities
  • Webinaire – Les étudiants étrangers
  • Webinaire – Avis aux étudiants : c’est payant de faire vos impôts!

Ressources de déclaration de revenus 2022 - Agence du revenu du Canada

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 

Avis de cotisation 

REER

Que faire en case de vérification ou d’examen fiscaux

Comptoirs d’impôt bénévoles : Aidez les membres de votre communauté

Pourquoi ouvrir un comptoir d’impôt communautaire?
Comment s’établir comme organisme du PCBMI?
Rôles importants des bénévoles
Préparatifs pour le comptoir d’impôt: Calendrier recommandé

Ressources

S’occuper de ses impôts et de ses prestations peut être payant – Agence du revenu du Canada  

Service automatisé Déclarer simplement par téléphone (anciennement Produire ma déclaration)– Agence du revenu du Canada

Démystifier le crédit d’impôt pour personnes handicapées – Agence du revenu du Canada  

 

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Tout Bien Calcule

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.



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Saving on a low income: Programs and strategies

Resources

Handouts, slides, and time-stamps

Presentation slides for this webinar

Handouts for this webinar:
Brief: Matched Savings programs – webinar handout (Momentum)
Matched Savings programs chart – webinar handout (Momentum)
Budget Tracker – webinar handout (Credit Counselling Sudbury)
Monthly Budget – webinar handout (Credit Counselling Sudbury)

Time-stamps for the video-recording:
3:26 – Agenda and introduction
6:17 – Audience polls
9:41 – Reasons to save (Speaker: Glenna Harris)
12:08 – Effectiveness of Matched Savings (Speaker: Dean Estrella from Momentum)
32:10 – Savings strategies for clients on low incomes (Speaker: John Cockburn from Credit Counselling Sudbury)
47:50 – Q&A

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Better Borrowing: How State-Mandated Financial Education Drives College Financing Behaviour

As student loan reform continues to dominate national discourse, a NEFE-funded study shows that financial education in states with state-mandated personal finance graduation requirements causes students to make better decisions about how to pay for college. It increases applications for aid, federal aid taken, and grants — all while decreasing credit card balances. Put simply, financial education makes better borrowers.

This study examines positive effects of state-mandated financial education graduation requirements. As of 2017, 25 states have implemented mandates for personal finance education prior to graduation.



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Indigenous Financial Literacy – AFOA 2014 Conference panel

This is the video recording of the AFOA 2014 Conference panel on Indigenous Financial Literacy. In this session, Liz Mulholland, Dr. Paulette Tremblay, Simon Brascoupe, and Darren Googoo discuss Indigneous financial wellness, financial literacy, and community education. 



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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.

 



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Financial Coaching Toolkit

English

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:

Inclusive facilitation of social change, FSG

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.

Goal setting and action planning

Action plan template
Financial goals worksheet
Mind mapping
Setting a savings goal – PDF
Setting a savings goal – fillable PDF
‘Plan, do, review’ action plan template

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.”

Budgeting tools

Coaching conversation tips: Budgeting
Cash flow budget template – PDF
Cash flow budget template – fillable PDF
Simplified monthly budget template – PDF
Simplified monthly budget template – fillable PDF
Finding money – PDF
Finding money – fillable PDF

Saving tools

Coaching conversation tips: Saving
Finding money – PDF
Finding money – fillable PDF
Tool: My savings goal –  PDF
Tool: My savings goal – fillable PDF
Ways to save at the grocery store
Seven habits of savvy spending and saving
Your spending habits

External resources
Cutting expenses tool – CFPB

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

Banking and credit

Banking fees info sheet (FC toolkit)
Choosing a credit card tip sheet (FC toolkit)

Tax filing tools

Coaching conversation tips – Tax filing
Getting ready to file your taxes checklist
Planning for your refund worksheet – PDF
Planning for your refund worksheet – fillable PDF

French

Outils de coaching financier

Urgent c. important (FC toolkit)
Rêves d’avenir (FC toolkit)
La roue de la vie (FC toolkit)
Aide memoire: la première séance (FC toolkit)
Mes priorités financières (FC toolkit)
Exemples de valeurs (FC toolkit)
L’écoute active (FC toolkit)
L’art de la reconnaissance (FC toolkit)

Fixation d‘objectifs et planification d’actions

Outil: Le plan d’action (FC toolkit)
Financial goals worksheet (FC toolkit)
Outil: La cartographie (FC toolkit)
Fixer un objectif d’épargne (FC toolkit)
Outil : Planifier, agir et revoir – Plan d’action

Études de cas et questions courantes

Études de cas : Linda
Études de cas : Jacob
Études de cas : Nina
Des questions courantes 1 : C’est inutile, cela ne changera rien!
Des questions courantes 2 : Dites-moi simplement quoi faire!

Outils de budgétisation

Budget de caisse (PDF)
Budget de caisse (PDF à remplir)
Budget mensuel simplifié

Vos dépenses reflètent vos habitudes

Outils de la dette

Détermination de l’ordre de remboursement de la dette (FC toolkit)
Guide pour parler aux créanciers (FC toolkit)
List des dettes (FC toolkit)
Outil: La valeur nette (FC toolkit)
Outil: les modalités de paiement (FC toolkit)
Outil: Une dette envers qui? (FC toolkit)

Banque et crédit

Fiche d’information sur les frais bancaires (FC toolkit)
Choisir une carte de crédit (FC toolkit)

Outils de déclaration de revenue

Se préparer a produire sa déclaration de revenus (FC toolkit)
Planifier le remboursement d’impôt (FC toolkit)

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Financial Literacy of Indigenous Secondary Students in the Atlantic Provinces

Research conducted by agencies such as AFOA, Native Women’s Association of Canada, and various other Canadian entities, has identified the need for improved financial literacy education in Indigenous communities, particularly among youth and Elders. Such research reports are often equipped with a list of recommendations for improving and addressing the gaps in education around financial literacy. 

In the spirit of building upon this research into financial literacy and Indigenous peoples, the Purdy Crawford Chair in Aboriginal Business Studies (PCC) proposed a project focused on Atlantic Canada’s 14-18 year old Indigenous population and their levels of financial literacy.

The results reveal  that the majority of respondents would like to learn more about money. As well, they affirm that face-to-face learning from family members and in classroom settings remain the preferred way to learn about financial issues. Finally, based on the literature review, the environmental scan, survey data, and feedback from the community consultation process, a web application titled Seven Generations Financial Literacy was developed and is located at www.sevengenerationsfinancial.com. 



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How to use the ‘Managing your money’ resource

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Activity sheet 4-10: Goals (Banking and financial services)

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.



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Core competencies frameworks on financial literacy

Developed in response to a call from G20 Leaders in 2013, the core competencies frameworks on financial literacy highlight a range of financial literacy outcomes that may be considered to be universally relevant or important for the financial well-being in everyday life of adults and youth.

These documents describe the types of knowledge that youth aged 15 to 18, and adults aged 18 and up, could benefit from. 



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Debt and High Interest Resource Portal

This is ACORN Canada's debt and high-interest lending resource portal. It contains links and resources on debt, credit, banking, and other topics. 

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Your Money Seniors




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The Political Economy of Education, Financial Literacy, and the Racial Wealth Gap


This article examines the mismatch between the political discourse around individual agency, education, and financial literacy, and the actual racial wealth gap. The authors argue that the racial wealth gap is rooted in socioeconomic and political structure barriers rather than a disdain for or underachievement in education or financial literacy on the part of Black Americans, as might be suggested by the conventional wisdom. Also, the article presents a stratification economic lens as an alternative to the conventional wisdom to better understand why the racial wealth gap persists.




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A Missing Element of Financial Capability – Your Money Mindset


Leaders of workforce development programs have been taking the initiative to integrate financial literacy and capability services into their own curriculum and services. However, this requires resources, knowledge, and capacity that workforce development programs may not have. With support from JPMorgan Chase & Co., The Prosperity Agenda partnered with two workforce development programs with the goal of answering, “How might we improve the financial wellness of graduates in career development programs?”




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Handout 9-12: Consumerism resources


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.




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What to do when you get an income tax refund


This is a document from the Financial Consumer Agency of Canada explaining tips on how to manage your refund at tax time to make the most of it.



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Managing your Money: Tools and tips to help you meet your goals

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

Managing your money- Full booklet

Facilitator resources (English)

Managing your money: Workshop facilitation guide
Managing your money: Facilitator deck (power point presentation)

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)

1- Kisôniyâm akâwâtamowina

2- Pisiskêyihtamowin kitâh-têpi sôniyâhkêwin

3- Pisiskêyihtamowin kimêstinikêwin

4- Pisiskêyihtamowin kimasinahikêwina

5- Itahto pîsim manâcihcikêwin

6- Ka-atoskâtamihk mâwacihcikêwin akâwâtamowin

7- Kwayâcayawin kiki tako-tipahikêwin  ka-wîhtamâkêhk

Plains Cree- full booklet

Ge-inaabiji’ad gizhooniyaam (Ojibwe)

01- Ge-naabajidizid zhooniyaa

02- Ge-onji-naanaagajitooyan enaabadizid zhooniyaa

03- Gikendaman minik edaawaageyan

04- Ji-gikendaman apii ge-odisigooyan ge-diba’aman

05- Endaso-giizis minik ge-aabaji’ad zhooniyaa

06- Onendan naagajwaa-kakwe-adaaweyan

07- Minik ge-diba’am taaksis

Ojibwe- full booklet

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Handout 9-13: Consumerism glossary


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.




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Handout 9-8: Dealing with consumer problems


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.




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Handout 9-7: Common frauds and scams


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.




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Handout 9-5: Cell phone information


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.




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Handout 9-3: Smart shopping tips


This handout is from Module 9 of the Financial Literacy Facilitator Resources. Smart shopping tips.

To view full Financial Literacy Facilitator Resources, click here.




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Handout 9-2: Advertising techniques and sales tactics


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.




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Activity sheet 9-11: Consumerism goal setting


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.




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Activity sheet 9-10: Rate your financial knowledge, part 2


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.




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Activity sheet 9-9: Complaint letter


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.




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Activity sheet 9-6: Cell phone checklist


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.




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Activity sheet 9-4: Find the better deal


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.




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Activity sheet 9-1: Consumer quiz


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.




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Handout 8-10: Debt glossary


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.




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Handout 8-9: Debt resources


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.




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Handout 8-6: Collection rules


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.




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Handout 8-5: Dealing with creditors


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.




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Handout 8-4: Steps to debt repayment


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.




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Activity sheet 8-8: Goal setting


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.




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Activity sheet 8-7: Debt collection role play


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.




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Activity Sheet 8-3: Ladder of debt repayment options


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.




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Activity sheet 8-2: Debt do’s and don’ts


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.




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Activity sheet 8-1: How much is TOO much?


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.




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Handout 7-13: Credit reporting glossary


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.




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Handout 7-12: Credit reporting resources


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.




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Handout 7-10: Ways to improve your credit score


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.




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Handout 7-8: Correcting common errors on credit reports


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.




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Handout 7-5: Credit scores


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.




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Handout 7-4: Reading a credit report


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.




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Handout 7-3: Sample Equifax credit report


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.




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Handout 7-2: Credit reports


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.




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Handout 7-1: Credit bureaus


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.




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Activity sheet 7-11: Goal setting and credit reports


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.




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Activity sheet 7-9: Credit score scenarios


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.




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Activity sheet 7-7: TransUnion sample request form


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.




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Activity sheet 7-6: Sample Equifax request sheet


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.




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Handout 6-7: Credit glossary


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.




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Handout 6-6: Credit resources


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.




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Handout 6-4: Managing credit


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.




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Handout 6-3: The cost of credit


This handout is from Module 6 of the Financial Literacy facilitator curriculum. The cost of credit for different payment methods.




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Handout 6-2: Credit card features


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.




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Handout 6-1: Types of credit


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.




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Activity sheet 6-5: Goal setting and credit


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.




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Handout 5-10: Saving resources


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.




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Handout 5-6: Savings tools (basic)


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.




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Handout 5-11: Glossary for saving module


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.




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Handout 5-7: Savings tools (detailed)


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.




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Handout 5-4: Compound interest


This handout is from Module 5 of the Financial Literacy Facilitator Resources. Explains compound interest.

To view full Financial Literacy Facilitator Resources, click here.




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Activity sheet 5-9: Goal setting for saving


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.




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Activity sheet 5-8: Savings tools quiz


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.




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Activity sheet 5-5: Christine and Aparna


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.




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Activity sheet 5-3: Finding money


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.




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Activity sheet 5-2: Needs and wants


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.




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Activity sheet 5-1: Setting savings goals


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.




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Handout 4-12: Glossary for banking and financial services


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.




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Handout 4-11: Banking and financial services resources


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.




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Handout 4-8: Alternative financial services


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.




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Handout 4-7: What are my rights?


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.




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Handout 4-6: Opening a bank account


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.




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Handout 4-4: Bank accounts and services


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.




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Handout 4-5: Choosing a bank and choosing an account


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.




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Handout 4-2: Deposit insurance at credit unions


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.




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Handout 4-1: Banks and credit unions


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.




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Activity sheet 4-10: Goal setting


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.




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Activity sheet 4-9: Comparing alternative financial services to banking services


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.




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Activity sheet 4-3: Banks and banking services quiz


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.




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Handout 3-12: Budgeting glossary


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.




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Handout 3-11: Resources – Money management websites


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.




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Handout 3-9: Financial record keeping


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.




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Handout 3-8: Budgeting tips


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.




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Handout 3-7: Budgeting strategies




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Activity sheet 3-10: Goal setting


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.




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Activity sheet 3-6: Making your own budget


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




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Activity sheet 3-5: Monthly budget worksheet




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Activity sheet 3-4: Budgeting scenarios


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.




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Activity sheet 3-3: Budgeting expense categories


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.




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Activity sheet 3-2: Income sources


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.




https://learninghub.prospercanada.org/wp-content/uploads/2018/02/Module3.png 148 225 May Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png May Wong2018-02-21 09:32:372018-07-09 11:51:17Activity sheet 3-2: Income sources

Activity sheet 3-1: The ‘B’ word – budget


This activity sheet is from Module 3 of the Financial Literacy Facilitator Resources. What do you think about when you hear the word “budget’?
What words or feelings come to mind?

To view full Financial Literacy Facilitator Resources, click here.




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Handout 2-8: Glossary


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.




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Handout 2-7: Resources


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.




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Activity sheet 2-6: Income and taxes


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.




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Handout 2-4: Filing your taxes


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.




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Handout 2-3: Reading a pay stub


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.




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Activity sheet 2-2: Reading David’s pay stub (quiz)


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.




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Activity sheet 2-5: Maria and Fernando’s story


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.




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Handout 2-1: Government benefits




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Financial literacy outcome evaluation made easy

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Managing your money #7: Preparing for tax filing


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'.

 




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Managing your money #6: Setting a savings goal


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'.




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Managing your money #5: Monthly budgeting


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'.




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Managing your money #4: Tracking your bills


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.'




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Managing your Money #3: Tracking your spending


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.'




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Managing your money #2: Tracking your regular income


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.'

 




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Managing your money #1: Your money goals

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Activity sheet 1-7: Goal setting




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Handout 1-6: How to set SMART goals




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Activity sheet 1-5: Rate your financial knowledge




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Activity sheet 1-4: Just imagine




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Activity sheet 1-2: “Money is…”




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Activity sheet 1-1: Find someone who…




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Do States Benefit From Restricting Safety-Net Eligibility Based on Wealth?


This brief examines the findings of three studies—one from The Pew Charitable Trusts and two commissioned by Pew with support from the W.K. Kellogg Foundation—that looked at the effect of asset limits on family finances and state and program costs and obligations.



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Implementing Financial Education in Youth Apprenticeship Programs

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Workplace Financial Education’s Effects on Retirement Planning

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Moving the Needle on Retirement Planning & Saving: The Role of Education

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Financial Literacy in a Box (FLIB)

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Saving for financial shocks and emergencies

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Fraud Facts 2017 – Recognize, Reject, Report Fraud

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Managing Debt & Setting Goals for the Future

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Increasing Income & Managing Expenses

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Managing cash flow and bill payments

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Navigating the Market – A comparison of spending on financial education and financial marketing

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Transforming the Financial Lives of a Generation of Young Americans

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Organizing and managing finances

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Helpful shortcuts for credit card use: Ideas for financial educators




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Consumer Voices on Financial Rules to Live By

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From Financial Literacy to Financial Action

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Do What You Love: Financial Planning for Artists & Designers

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Financial Literacy and People Living with Disabilities

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Recommendation on Principles and Good Practices for Financial Education and Awareness

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Planning to retire on a low income: What you need to know

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Youth Survey: Learning About Money – Overview

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Financial Literacy and Youth

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My spending rule to live by

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Financial Planning Worksheet: My New Money Goal

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Financial Literacy Annual Report

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SAVED: Five steps for making financial decisions

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Payday Loans: Market Trends

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An Analysis of the Effects of Financial Education on Financial Literacy and Financial Behaviour

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Aboriginal Financial Literacy in Canada: Issues and Directions

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Against Financial Literacy Education

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Evidence and Ideology in Assessing the Effectiveness of Financial Literacy Education

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Financial Literacy around the World: An Overview of the Evidence with Practical Suggestions for the Way Forward

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Financial Capability: What is it, and how can it be created?

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My credit rule to live by

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My savings rule to live by

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FINAL REPORT Public Opinion Research to Strengthen Financial Literacy for Seniors

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Buying and Maintaining a Home: Planning Your Housing Budget

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Tips to save money while you’re in school

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Save for Your Child’s Education with an RESP

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Shopping Around for a Mortgage

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Thinking of Opening a Tax-Free Savings Account (TFSA)?

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Understanding your Credit Report and Credit Score

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Understanding Variable Interest Rate Mortgages

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Be Smart with Your Credit Card: Tips to Help You Use Your Credit Card Wisely

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Cashing your Government of Canada Cheque for Free

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Cheque Hold Periods: Your Right to Access Your Money

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Choosing the Right Chequing Account and Banking Package

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Choosing the Right Savings Account

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Growing Youth Financial Capability through Workforce Development: Opportunities for Lawmakers & Advocates

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Managing Debt: Getting Help from a Credit Counselling Agency

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Mortgage Prepayment; Know Your Options. Smart mortgage decisions start here

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Opening a Personal Bank Account: Understanding Your Rights

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Paying off Your Mortgage Faster

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Protecting Your Credit Report: How to Correct Errors and Check for Fraud




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Your Money, Your Goals: Focus on Native Communities

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Tools for saving: Using prepaid accounts to set aside funds

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Banking Fees in Canada: Patterns and Trends

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Before You Sign any Contract: 10 Things You Need to Know

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An Evaluation of the Impacts and Implementation Approaches of Financial Coaching Programs

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Aboriginal Life Skills and Financial Literacy Curriculum Development and Education

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Favoriser La Santé Financière des Aînés

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Welcome to the financial mainstream? The hazards facing low income people when navigating the financial world

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Retiring on a Low Income – Learnings from the Toronto Library and The Ontario Non-Profit Housing Association Presentations

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2014 Canadian Financial Capability Survey – Retirement planning

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Gender Differences in the Financial Knowledge of Canadians

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Financial Literacy and the Take-Up of Government Benefits

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The role of financial literacy in financial decisions and retirement preparedness among seniors and near-seniors

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Learning to Save, Saving to Learn

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The link between financial confidence and financial outcomes among working-aged Canadians

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Environmental Scan of the Supply of Financial Capability Information Education and Advice in Canada

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Why Financial Capability Matters – Synthesis Report on Canadians and Their Money: A National Symposium on Financial Capability

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Financial Inclusion for Homeless Persons and Those at Risk

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Delivery models for financial literacy interventions – A case study approach

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Financial Literacy: Strategies to Meet the Needs of Low Income Albertans

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Towards a National Policy/Program on Financial Literacy

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Opportunities Account for Youth in Care

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Building Financial Education: Impact and Insights from the TD Financial Literacy Grant Fund

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Financial Empowerment: Improving financial outcomes for low-income households

Financial Empowerment is a new approach to poverty reduction that focuses on improving the financial security of low-income people. It is an evidence-driven set of interventions that have proven successful at both eliminating systemic barriers to the full financial inclusion of low-income people and providing enabling supports that help them to acquire and practice the financial skills and behaviours that tangibly improve their financial outcomes and build their financial security. The Financial Empowerment approach focuses on community level strategies that encompass five main types of interventions that have been identified as both necessary for low-income households to improve their financial outcomes, and effective at helping them to do so.

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Financial Literacy and People Living on Low Incomes

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Financial Literacy and Youth

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Financial Experience & Behaviors Among Women

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The case for Financial Literacy: Assessing the effects of financial literacy interventions for low income and vulnerable groups in Canada

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A new (and better) way to measure individual financial capability

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Newcomer Finances: Instructor’s Manual

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Improving Financial Literacy: Analysis of Issues and Policies

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Planning for Life: Results Report for the Operation Come Home Finance Matters Program

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Creating Financially Capable Communities: A Resource Guide

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Understanding the Legal Dimensions of Financial Literacy: Power of Attorney

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Developing a Personalized Financial Plan. Ontario Edition

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Preventing and Intervening in Situations of Financial Abuse. Ontario Edition

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Retirement and Savings Options. Ontario Edition

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Building Assets and Building Lives: Financial Capability Programs in Native Communities

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Building Financial Counseling into Social Service Delivery: Research and Implementation Findings for Social Service Programs

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Municipal Financial Empowerment: A Supervitamin for Public Programs. Strategy #1: Integrating Professional Financial Counseling

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Financial Capability of Adults with Disabilities. Findings from the FINRA Investor Education Foundation 2012 National Financial Capability Study

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Credit and Debt Management. Ontario Edition.

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Adopting Effective Banking Practices. Ontario Edition

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Financial Literacy and Economic Outcomes: Evidence and Policy Implications

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Stretch Your Dollars: Budgeting Basics

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Emerging Models and Promising Practices: A “snapshot” of Community-based financial capability Practice in Canada

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Understanding the Financial Advocacy and Problem-Solving (FAPS) Model

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Pathways to Social and Economic Inclusion: An evaluation of the Financial Advocacy and Problem-Solving (FAPS) Program

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Household Financial Security Framework

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Visual Tools and Narratives: New Ways to Improve Financial Literacy

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Financial Capability in the United States 2016

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Financial Capability in the United States. National Survey – Executive Summary

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Financial Capability in the United States 2016

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Financial Capability in the United States 2013

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Youthonomics: financial literacy in high school

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Having It All: Girls & Financial Literacy

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The 2013 Consumer Financial Literacy Survey

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Moving Forward with Financial Literacy. Synthesis Report on Reaching Higher: Canadian Conference on Financial Literacy

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Strengthening Financial Literacy Through Collaboration: Highlights of the 2014 National Conference on Financial Literacy

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National Strategy for Financial Literacy. Phase 1: Strengthening Seniors’ Financial Literacy

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Fin Lit Fin Ed and Behaviours

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FERN-Youth Financial Empowerment Toolkit

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Canadian Credit Union Scan of Financial Literacy Initiatives

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System Brief. Financial Literacy: What’s Best and What’s Next?

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Keeping it Simple: Financial Literacy and Rules of Thumb

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Advancing Financial Coaching for Low-Income Populations: Midstream Lessons from EARN

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Monthly household income volatility in the U.S., 1991/92 vs. 2002/03

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Financial Literacy: Lessons from International Experience

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Dealing with Dollars NL: A look at financial literacy gaps and barriers

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Taking a Needs-Based Approach to Financial Literacy for Low-income Individuals and Families in Greater Victoria

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Your Money, Your Goals: A Financial Empowerment Toolkit for social service programs

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Your Money, Your Goals: A Financial Empowerment Toolkit for community volunteers (Intro)

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Your Money, Your Goals: A Financial Empowerment Toolkit for community volunteers

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.



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The Financially Unengaged: Reaching the 16% of Americans Who Aren’t In Touch With Their Financial Standing

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What It’s Worth: Strengthening the Financial Future of Family Communities and the Nation

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Financial Literacy Annual Report

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Financial well-being: the goal of financial education

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Increasing Financial Well-Being through Integration: Gaining and Retaining Employment

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Meeting People Where They Are

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Financial Goals and Values: A Study of Financial Literacy in Canada

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Building a Foundation for Effectiveness: Findings on Financial Literacy Evaluation in Canada 2012

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Highlights of The Case for Financial Literacy

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Summer Jobs Connect: Connecting Youth to Developmental and Financial Goals

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Building Your Own Platform for Prosperity: A Program Design Toolkit

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Integrating Financial Capability: A Toolkit for Social Service Organizations

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Struggling to Make Ends Meet: Using Financial Diaries to Examine Financial Literacy Among Low-Income Canadians

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Aboriginal Financial Literacy Needs Survey and Framework

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First Nations Financial Fitness: Your Guide for Getting Healthy, Wealthy, and Wise

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Moving Ahead Through Financial Management

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Australian Financial Attitudes and Behaviour Tracker

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Financial Literacy Facilitator Resources

English

Faciliation

Top ten financial literacy tips
Top icebreaker activities
Top five virtual icebreakers
Tips for managing breakout rooms
Quick warm-up activities
Virtual tools for participant engagement
Handout – Resources

Module 1: Exploring your relationship with money

Activity Sheet 1-1 “Find someone who …”
Activity Sheet 1-2 “Money is …”
Activity Sheet 1-3 Money messages
Activity Sheet 1-4 Just imagine
Activity Sheet 1-5 Rate your financial knowledge
Handout 1-6 How to set SMART goals
Activity Sheet 1-7 Goal-setting
Handout 1-8 Resources

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

Inflation and your household budget, OSC

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
Interest rates and how they impact your finances, CIRO  
Benefits of having a financial plan, CIRO

Module 6: Credit basics

Handout 6-1 Types of credit
Handout 6-2 Credit card features
Handout 6-3 The cost of credit
Handout 6-4 Managing credit
Activity Sheet 6-5 Goal-setting
Handout 6-6 Resources
Handout 6-7 Glossary
Video: The Cost of Credit (video transcript) *NEW*

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
Types of fraud 
Fraud prevention month 
The many faces of elder abuse 
Pensions, FSRA 
Credit Unions and Deposit Insurance, FSRA

French

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

L’inflation et votre budget des ménages, CVMO

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 
L’avantage d’avoir un plan financier

Module 6 : Les notions de base du crédit

Document 6-1 Les types de crédit
Document 6-2 Caractéristiques de la carte de crédit
Document 6-3 Le coût du crédit
Document 6-4 Gérer le crédit
Feuille d’activité 6-5 Etablissement d’objectifs
Document 6-6 Ressources
Document 6-7 Glossaire  
Le coût du crédit – Transcription de la vidéo **NOUVEAU** 

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    
Types de fraude
Mois de la prévention de la fraude
Les régimes de retraite
Assurance-dépôts et credit unions, ARSF

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Activity sheet 1-3: Money messages




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