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 – Full booklet
Dealing with debt: Training tools
Resources
Managing debt , Ontario Securities Commission
Options you can trust to help you with your debt, Office of the Superintendent of Bankruptcy Canada
Debt advisory marketplace/ consumer awareness, Office of the Superintendent of Bankruptcy Canada
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
It pays to plan for a child’s education
This fact sheet from ESDC explains how to open an RESP and access the Canada Learning Bond.
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:
Virtual service delivery tools
We are grateful to Family Services Greater Vancouver in British Columbia, Thunder Bay Counselling in Ontario, and SEED Winnipeg Inc. in Manitoba for their content consultation support and resource sharing.
Supporting client intake, triage, and referral in virtual financial help services
Virtual tools for participant engagement
Implementing a practice of self-care for practitioners – PDF
Implementing a practice of self-care for practitioners – fillable PDF
Participant tools:
Action plan – PDF
Action plan – fillable PDF
Contact list – PDF
Contact list – fillable PDF
Information to remember – PDF
Information to remember – fillable PDF
Action items – PDF
Action items – fillable PDF
Please note that some of the resources below were developed prior to the COVID-19 pandemic and serve as samples only. Current materials used by community agencies may have been revised to reflect updates to services and to meet public health guidelines.
Intake and assessment tools:
Intake Form – Family Services Greater Vancouver
First Financial Coaching Session Survey – Family Services Greater Vancouver
Financial Health Assessment – Thunder Bay Counselling
Financial Assessment Spreadsheet – Thunder Bay Counselling
Consent forms:
Consent to Service – Thunder Bay Counselling
Consent to Release and Obtain Information – Thunder Bay Counselling
Promotional materials:
Welcome and introduction to services brochure – Thunder Bay Counselling
Community Financial Helpline social media material (image 1, image 2, image 3) – SEED Winnipeg Inc.
Case studies and common questions
Use these case studies and common questions to practice or develop your coaching skills. Try them on your own or with your fellow staff.
Case study: Linda
Case study: Jacob
Case study: Nina
Common questions 1: “Just tell me what to do!”
Common questions 2: “There’s no point.”
Saving tools
Debt tools
Coaching conversation tips – Debt
Guide for talking to creditors
Determining debt payoff order (FC toolkit)
Debt list tool (FC toolkit) – PDF
Debt list tool (FC toolkit) – fillable PDF
Net worth tool (FC toolkit) – PDF
Net worth tool (FC toolkit) – fillable PDF
Payment arrangements worksheet (FC toolkit) – PDF
Payment arrangements worksheet (FC toolkit) – fillable PDF
Who do you owe? (FC toolkit) – PDF
Who do you owe? (FC toolkit) – fillable PDF
French
Outils de coaching financier
Fixation d‘objectifs et planification d’actions
Outils de déclaration de revenue
The Canada Learning Bond: What you need to know
This one-page fact sheet tells you everything you need to know to make your child's future possibilities grow! The Canada Learning Bond (CLB) is a grant of $500 up to $2000 from the Government of Canada to eligible families to help with the cost of a child’s education after high school. It is deposited directly into a child’s Registered Education Savings Plan (RESP). Children born January 1, 2004 or later, whose family’s annual income is less than $46,000 can receive the CLB.
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.
CFPB Financial Well-Being Scale Questionnaire
A financial well-being questionnaire developed by the Consumer Financial Protection Bureau.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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’? To view full Financial Literacy Facilitator Resources, click here.
What words or feelings come to mind?
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.
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.
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.
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.
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.
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.
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'.
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'.
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.'
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.'
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.'
English
Module 1: Exploring your relationship with money
Module 2: Income and taxes
Handout 2-1 Government benefits
Activity Sheet 2-2 Reading David’s pay stub quiz
Handout 2-3 Reading a pay stub
Handout 2-4 Filing your taxes
Activity Sheet 2-5 Maria and Fernandos story
Activity Sheet 2-6 Goal-setting
Handout 2-7 Resources
Handout 2-8 Glossary
Video: Tax Deductions Credits and Benefits (video transcript) *NEW*
Module 3: Budgeting
Activity Sheet 3-1 The “B” word-budget
Activity Sheet 3-2 Income sources
Activity Sheet 3-3 Expense categories
Activity Sheet 3-4 Budgeting scenarios
Activity Sheet 3-5 Monthly budget worksheet
Activity Sheet 3-6 Making your own budget
Handout 3-7 Budgeting strategies
Handout 3-8 Budgeting tips
Handout 3-9 Financial record keeping
Activity Sheet 3-10 Goal-setting
Handout 3-11 Resources
Handout 3-12 Glossary
Module 4: Banking and financial services
Handout 4-1 Banks and credit unions
Handout 4-2 Deposit insurance at credit unions in different provinces
Activity Sheet 4-3 Banks and banking services quiz
Handout 4-4 Banks accounts and services
Handout 4-5 Choosing a bank and choosing an account
Handout 4-6 Opening a bank account
Handout 4-7 What are my rights?
Handout 4-8 Alternative financial services
Activity Sheet 4-9 Comparing alternative financial services to banking services
Activity Sheet 4-10 Goal-setting
Handout 4-11 Resources
Handout 4-12 Glossary
Getting government payments by direct deposit
Module 5: Saving
Activity Sheet 5-1 Setting savings goals
Activity Sheet 5-2 Needs and wants
Activity Sheet 5-3 Finding money
Handout 5-4 Compound interest
Activity Sheet 5-5 Enzo and Tess
Handout 5-6 Introduction to saving and investing
Handout 5-7 Saving and investing tools (basic)
Handout 5-8 Saving and investing tools (detailed)
Handout 5-9 Preparing for old age
Handout 5-10 Saving and investment support
Activity Sheet 5-11 Goal-setting
Handout 5-12 Resources
Handout 5-13 Glossary
Interest rates and how they impact your finances, CIRO
Benefits of having a financial plan, CIRO
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
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
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