This resource contains a full lesson with suggested sequences, timing, activities, context for learning, assignment and rubric. In this lesson, students will learn ways to avoid financial scams and schemes designed to defraud customers. At the end of this lesson, students will: identify ways to avoid financial scams and schemes designed to defraud customersSuggested Timing: 60 minutes depending on whether optional topics are done and how much class time is given for assignment.

Listen to M.B.A. student Kevin Liang as he shares his experience as a money novice while in college. Listen for his call to action, and think about how you can put his advice into practice. Topics include: Why do you think people often feel uncomfortable discussing their financial situation? What impact does financial literacy have on an individual’s future opportunities and societal inequality? What are the risks and benefits of not discussing financial matters openly? What does the narrator's story tell us about the social stigma associated with discussing money? How can being open about financial struggles and successes benefit individuals and communities? Discuss how early financial education could have changed the narrator’s family situation. What role does early financial education play in preparing for unforeseen financial challenges? Reflecting on the video, why might someone's financial literacy be linked to their family background or upbringing?

This activity involves four scenarios where the students will uncover the opportunity costs for each scenario (every decision involves a trade-off). The opportunity cost is the profit lost (or total cost- financial and non-financial costs) when one alternative is chosen over another. A trade-off is understanding that you are going to lose something, in relation to time, money, or energy, when the decision to choose something else is made.  When you buy or do one thing with your money, you must give up the chance to buy or do something else. This is a trade-off: what you give up to get what you want. When you spend part of your income on certain things, you give up spending it on other things.

Creating and managing strong, secure passwords is an essential part of life in the 21st century. How can we help our students to develop the skills to create and manage their own online accounts? In this resource, there are two sequential classroom activities that you can teach your students about password security (adjust the complexity of the task to suit your class). Activity 1: How secure is this password? Aim: To learn which password combinations are the hardest to guess or crack. Activity 2: Design the strongest passphrase Aim: To learn how to design a strong password that is easy to remember

Information from Financial Consumer Agency of Canada about payday loans: What is a payday loan, What options to consider before getting a payday loan, Where to get a payday loan, How much a payday loan costs, What to expect when you take out a payday loan, What happens if you can’t pay back a payday loan on time, What you can do if you’re stuck in a debt cycle

Students will be able to: Explain what a payday loan is and how it can cause users to fall into a cycle of debt, Identify what financial need payday lenders are meeting and why consumers use payday loans, Compare the price of borrowing money using various loan and credit products, Review alternatives to payday loans, Interact with a game to see the impact and cost of payday loans at high interest rates (and the profit motivation behind these companies) https://shadysam.com/

FL10.1 Explore how value systems, social factors, personal experiences and cultural backgrounds can influence financial decision making.  Whether we realize it or not, we use money everyday! However, we’re not always aware of how we use our money or why we make the financial decisions we do. People decide how to use their money based on their personal values, or what they judge to be important in their lives. Take some time now to identify what your students value!  Students can discuss their personal financial decision-making process, identify their money personality based on personal behavior and choices and analyze financial decisions and the influence of personal/external factors.

This resource provides articles, videos and discussion questions on the topic of debt and the idea of "responsible borrowing". This is a problem with Canada having the highest household debt level among G7 countries. While it’s clearly normal to have debt, it’s also natural to wonder how your financial situation compares to others. Let’s explore the average debt levels of Canadians, learn about how credit card companies make record profits off of this debt and provide students with tips on what to do if their debt is higher than average. The goal of this lesson is to teach responsibly borrowing so that our students do not get themselves into debt "quick sand" in the future.  

This contains specific resources from the Sask DLC Financial Literacy 10 course. Included here are activities that  uncover student lifestlye reflections and future goals; assignments that allow the students to explore careers and design their future; and SK curriculum-specific videos on Needs and Wants, Defining Lifestyle, Indigenous Perspectives and Action Planning

The following resource from the Sask DLC Financial Literacy 10 course contains: a viewing guide for videos on various cultural perspectives on financial decisions, an article and information to help the students begin to write their own plans, and the "Money Story" Assignment

The following resource from the Sask DLC Financial Literacy 10 course contains: an activity, an assignment (with rubric) and supporting videos for this unit.

Contains Managing Your Money Workbook, an activity for students to track their income and expenses, "Needs vs. Wants" and "Building a Personal Budget" assignments, rubrics and Sask DLC Videos

10.6 Explain the principles of saving money and the importance of a savings mindset. This activity contains Sask DLC course material including a Saving Strategies Activity, Saving Philosophy Case Study Investing Early Case Study, rubrics and Sask DLC Videos

This resource contains three lessons to review savings, investment options and the calculations of future values of investments. Lesson 1 The power of saving, Lesson 2 Investment tools, Lesson 3 Saving and investing review; End-of-unit quiz and answer sheet.  Each lesson includes black-line print masters for overheads and activities. 

Objective: Students will understand the principles of saving money and why adopting a savings mindset is crucial for long-term financial well-being.Indicators: Investigate different saving strategies (e.g., lump sum or at regular intervals, pre-authorized and random contributions). Examine advantages and disadvantages associated with various saving strategies. Identify appropriate savings strategies based on needs, wants and goals (e.g., 50 per cent needs/30 per cent wants/20 per cent savings, auto withdrawal, deposit only account, deductions at source).

This vignette humorously points out the need for us to be on alert for unscrupulous people who would take advantage of us at any opportunity. There is an old saying “if it seems too good to be true, then it probably is” which warns us to be suspicious of people or situations that offer a large benefit for very little in return. But scammers are becoming more sophisticated in developing ways to swindle people. We need to be vigilant in any dealings we have and look for ways in which the transaction could actually be a scam. The last thing we want is to be a victim of fraud.

Students will review documents with sensive information and evaluate the information that must be protected, why this is important and what docuemnts should be kept and which can be shredded (and not just thrown out). Provide students several documents that may contain sensitive information. Their goal is to analyze each document to uncover: What sensitive information is contained in this document? Why should I be careful with this document?  What precautions should be taken with disposing of these documents? 

A shortage or surplus of the goods we buy can have a significant impact on the prices we pay. Since the goods we buy are often made up of other goods, it’s common for a shortage or surplus anywhere in the supply chain to have a significant impact on the market. In this activity you will demonstrate shortages and surpluses, analyze what happens when they occur, and discuss how they can impact our daily lives.

A product’s unit price can be helpful in comparison shopping, making sure you’re not paying more money for less of a product. But did you know that you should also be comparing the products you buy to...themselves?! Making products smaller while keeping the price the same is a sneaky way of raising prices. In this activity you’ll discuss how shrinkflation affects consumers and create your own plan to downsize a product in hopes that consumers won’t notice the difference.

10.2 Sports Betting Advertisements: Sports betting has become increasingly popular and advertisements promoting it are everywhere. Students will find a sports betting advertisement, analyze the target market and potential impact on the viewer. Students will discuss some of the aspects and questions about sports betting advertisements and use this information to create an awareness campaign to educate others about the impact of sports betting advertisements.