This resource provides a lesson with Powerpoint, student handouts with word and graphic content and assignments with questions to assess students know. The content breaks down the tools and strategies you can use to build an emergency fund. We’ll take a detailed look at what “emergency” means; why we all need to put away funds in case of an emergency; how to use the “Pay Yourself First” method of saving; how much we each need to save; and the best high-interest savings accounts to stash and grow our money.

Coffee roaster and entrepreneur Paul Foster shares his earliest childhood memories about money and an early job at the bank seeing how customers manage their debt. These experiences shaped his financial future. Students will review three different video segments on being an entrepreneur, advice on debt and long term impact of loans, especially when you are self-employed. The activities include multiple choice, vocabulary, short answer and open ended questions giving the students an opportunity to review advice on being an entrepreneur, managing your debt and how this will benefit your future.Chapter 1 Childhood memories about money and being an entrepreneur video: https://www.youtube.com/watch?v=trBgl4tH6vU  Chapter 2 Dealing with debt video: https://www.youtube.com/watch?v=b22pGQFMQpM   Chapter 3 Paying off student loans video: https://www.youtube.com/watch?v=syoXqBo9IFA

Indigenous Peoples have indicated that financial education is a priority for them and complements other training programs in their communities. . To be successful, financial literacy interventions must be community driven, created by and for Indigenous Peoples. These videos and activities allow students to explore the story of a social entrepreneur and leader who values financial literacy and gives back through his business to help his Indigenous community create a better tomorrow.First Nations entrepreneur Mark Marsolais-Nahwegahbow works hard to ensure his family’s financial wellness while making a real impact on his community. He founded a social enterprise that brings fresh drinking water to Indigenous families across Canada. https://www.youtube.com/watch?v=0A-6JzC0IcwThe activities include multiple choice, vocabulary, short answer and open ended questions giving the students an opportunity to review advice on being an entrepreneur, giving back to your community and providing for your family and future.  

FL10.1 Explore how value systems, social factors, personal experiences and cultural backgrounds can influence financial decision making.  How can we understand how to manage our money if we don’t first understand what it is that we want money to help us do? You may be surprised to know that “stuff” is not something that most people value and what you spend your money on may not matter as much as you first thought. 

Determining your Scores Your scores will help you identify your money personality profile. The higher the number for each profile, the more this tendency may motivate your money behavior. It’s okay to be high in several profile areas. It just shows that your financial decisions are based on a variety of motivators or beliefs. 

There are a number of different influential factors in our lives that impact our financial decisions. . By understanding some of these factors (personality and emotions, past life experiences, physical and mental health, culture and society where you live, financial knowledge), you can learn a little bit more about yourself so that you are equipped to make better financial decisions. Students will answer the question: What are some of the ways these factors have influenced your financial decisions?

The following resource from the Sask DLC Financial Literacy 10 course contains: Income Tax Basics document, "Filing Income Tax Assignment", How to Get Started with Wealth Simple Document and rubric and Sask DLC Video: Wealth Simple Demo https://youtu.be/xbwRJHrYW3k?si=MzIwVus2uaPEootp

Read the Article "Keeping Your Debt a Secret Can Mess With Your Mind and Body " (Anne Gaviola). Students can review the case study sections. Encourage students to ask questions and brainstorm solutions after reading each section. Have students discuss implications of title.Have students list questions about this person’s situation (after each section, if you wish). Brainstorm possible solutions. Have students reflect on their learning.

Outcome: FL10.5 Examine the role of personal budgets and their importance for financial planning.Indicator: f. Discuss how personal goals, social influences and values impact a budget.

Students will review the potential effects on a person's investment value and overall mental impact of gambling versus investing. Using an investment scenario with a regular deposit to a lower risk investment, the students will compare potential returns to gambling activities, where the odds are close to 50/50 of making any money. 

Students can work through this activity to develop goals for themselves in life's categories and then pick top goals to make plans on how to comlete these. This activity also includes an example of how student could make a financial goal and the steps they could take to accomplish this goal (i.e. $8000 by the end of summer after Grade 12, starting June of Grade 11). 

Indigenous communities have traditionally shown skill and strength in managing resources to support their community on an ongoing basis. People have understood and practiced the concepts of budgeting and saving, managing resources by budgeting so that they last the year, and putting aside savings for future use. In today’s economy, managing money can feel stressful at times. A helpful step is to identify goals for you and your family. This booklet provides a set of  activities to help you do that. The worksheets can help you plan your money goals, track your spending, make a budget, and get ready for tax time. The land is our teacher. It teaches us about saving, sustainability and security. At creation animals, birds and fish were asked what they could teach humans. The animal world said humans can learn from our values, character and behaviour. In this booklet the animals will teach you about managing your money. Simon BrascoupéAnishinabeg/Haudenausanee Bear ClanMember of Kitigan Zibi Anishinabeg First NationVice-President Education and Training, AFOA Canada

In the game Credit Clash, the player/student decides how many credit prodcuts they will take out (credit cards, student loans, auto loans, mortgages), when they were "ready" for the loan and if they were able to pay the loans. The debt may even go to "collections" during the game if the player isn't careful and responsible with their payment and borrowing. 

In Shady Sam, the player/student plays the role of the lender, and the objective is to make as much money from unsuspecting customers as possible (hence the name.) It is a great review of all the loan terms and how they impact the total amount paid by the borrower/earned by the lender (loan sharks). Play here: https://shadysam.com/

One of the key strategies in investing is to take advantage of the power of compounding. Two of the most common cases of people benefitting from compounding are: receiving compound interest in a savings account, and getting compounded returns from stock market investments. In this activity, we’ll use one of these calculators to better understand the power of compounding.

This activity includes Investing Basics Teacher-recorded Video, Article, PPT & Assignments. The assignment will introduce the student to various investment options and help them understand the basics of investing.

This activity introduces students to the following: effective investment practices. Information about investment alternatives, differences in how people manage themselves in dealing with issues such as risk, basic rules of money management, financial goal setting, borrowing money ideas and reasoning. Includes a "Dictionary Game", Diversification (example of a hockey pool from the same team), and a Risk vs. Reward Game using either thumb wrestling, rock/paper/scissors or coin toss. 

This activity is a stock investment simulation. It is a fun way for the students to see how everyday activities, news and happenings around the country can impact stock prices. This will have the students make decisions if they want to keep, sell or buy stock based on what is happening around the company. The real-life implications are significant, because investors in real life have to make these types of decisions and often react with emotion instead of fact and long-term perspectives on the stock. In this project, students use $1800 to invest in a fictitious company Ravioli Den. The teacher will then progress through a series of slides, describing current events impacting the value of investment. At each interval, the student will have the option to buy or sell shares, and then students will complete this worksheet regarding their decisions and the value of their investment. Teachers, you must access the answer key for materials you need to facilitate this activity. 

Read each scenario below and find two “opportunity costs” for each situation. What was given up, financially, time spent doing something else, other lost experiences, etc.?

FL10.8 Analyze credit options and the importance of responsible borrowing. Title: “Is There Such a Thing as Good Debt?” Listening Guide and Video. Some say that debt is the gateway to your goals, others say it's a ball and chain that will drag you down... So who's right?