Saving is an important part of financial well-being. Saving money helps you manage short-term needs such as day-to-day spending. It protects you and your family during emergencies. It is the key to reaching your future hopes and dreams. Maybe you are recovering from a hard time financially and...

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...

Making the transition from in-person to virtual program delivery has become a necessary step in continuing financial empowerment services during these times of physical distancing. Financial education workshops are a valuable part of any financial empowerment program, and there are many different...

This report provides an overview of financial health and the policy responses around the world. Based on this, and the key questions of whether financial health measure more than income and if financial inclusion supports financial health, the report offers recommendations to policy makers on...

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,...

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...

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...

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...

One in five Canadians are currently living with a disability. This infographic provides an overview of financial programs for people with disabilities in Canada based on findings in Morris et al. (2018) "A demographic, employment and income profile of Canadians with disabilities aged 15 years and...

This guide was created to be a resource for community college educators, staff, and administrators interested in implementing financial coaching as a way to empower students to build money management skills and make healthy financial decisions. Strategies for integrating financial coaching into a...

Technology can play a key role in addressing some of the financial challenges that Canadians face on a day-to-day basis. Over the last five to ten years we have seen a growing number of companies, called fintechs, that primarily use technology to change and enhance the way we do banking or access...

This guide from the Financial Consumer Agency of Canada shares guidelines and financial tips to help Canadians during COVID-19. The topics include: getting through a financial emergency, where to ask questions or voice concerns, what to do if your branch closes, and...

Budgeting and saving are the core building blocks of financial stability and sound financial decision making. In this toolkit you'll find helpful resources and worksheets on goal setting, making a budget, and saving money. We are grateful to The Working Centre in Kitchener-Waterloo, Ontario for...

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...

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...

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 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...

There are many different ways to deliver financial empowerment programs. Financial literacy education, financial coaching, and matched savings programs can be successfully delivered independently, with successful outcomes for participants. They can also be blended together to accomplish several...

The Investor Protection Clinic, the first clinic of its kind in Canada, provides free legal advice to people who believe their investments were mishandled and who cannot afford a lawyer. The Clinic was founded together with the Canadian Foundation for Advancement of Investor Rights (FAIR Canada),...

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

Prosper Canada and AFOA Canada are pleased to collaboratively tell the story of The Shared Path: First Nations Financial Wellness. This work was undertaken in the spirit of reconciliation between Indigenous Peoples and non-Indigenous people in Canada and creating a more equitable and inclusive...

This report provides results from the 2019 Canadian Financial Capability Survey (CFCS). It offers a first look at what Canadians are doing to take charge of their finances by budgeting, planning and saving for the future, and paying down debt. While the findings show that many Canadians are acting...

Financial decisions are influenced by our own personal feelings and attitudes around money, and by the feelings, attitudes, and actions by our family and friends. This CFPB toolkit offers financial education practitioners three tools (Money Choices, Money Styles, and Money Network), each with a...

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...

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...