A project to wrap-up this module could be assigned and developed from the start of the module or at the end of instruction). If this were assigned at the start of the module, students could check in with their teacher after each step to receive formative feedback.Students will work through why it is important to make future plans, what their hopes and dreams are and put together a final project that showcases the connections between family, education, career, finances, lifestyle and wellness. 

Students can write a letter to their future self, outlining future plans (financial, education, career, family, wellness). This would be a nice reminder to themselves in the future regarding the plans they made before. Research shows that if you make a plan, you are more likely to realize those plans and dreams! Hopefully this will be a fun exercise for students to participate in.

Steps to participate: Write the letter, pick a receiving date, send the letter and verify the information. You can pick your delivery date or select 6 months, 1 year, 3 years, 5 years, 10 years or a specific date that you would like. Letters can be private or public (anonymous). The letter goes to a an email address, so be sure to keep that email active (with password and access).

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. 

In this Case Study, students will take on the role of a credit counselor to assist a borrower who finds himself in serious financial distress. Several options will be presented, and students will identify pros and cons of each approach and choose a path forward.

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). 

Managing debt loads can be very difficult and overwhelming at times. Hiding from debt and avoiding the problem, will only make the situation worse. This activity includes mini case studies on how to handle various debt problems so that the students can take control of their debt and move forward to a better financial future.

Financial Literacy in the Classroom Lessons and Resources: Home Ownership: This is an online lesson with built in quizzes, videos and explanations. There is also a mini case at the end of the lesson. Students can use this to supplement the learnng happening in the classroom on the credit card unit. Questions to considerWhat factors should you consider when house shopping? Location, condition of home What can you afford and down payment requirements (GDS, TDS), credit scoreWhat are some key terms related to mortgages? How are mortgage payments calculated? What are closing costs? 

This listening guide and assignment will help you understand key points about financial fraud and how to protect yourself, based on the video "Financial Basics: Video Fraud." Before You Watch:Ask the students to think about what you already know about financial fraud.Have they ever come across a suspicious email, phone call, or online offer?

"Identity Theft" is the thrilling true story of Michelle Brown who accrues over $50,000 of debt after her identity is stolen. We fill out forms all the time-for credit cards, loans, insurance claims, job applications, online purchases and more. We're constantly giving up personal and financial information, and sometimes those details get into the wrong hands. It couldn't happen to you? Think again-Michelle Brown walked into an office one afternoon to fill out a simple rental form and handled it over to the receptionist. Students can follow along the movie with a listening guide, some discussion questions, multiple choice and final reflection questions on this story. 

Underlying the humour of this vignette is a serious message about investing. We all would like to be able to put our money to work for us by investing it, but often we are so eager to get a good return on our investment that we overreach and take a chance on an apparent opportunity that offers a greater than normal return. This is a risky venture to say the least. It’s important to take a moment to reflect before acting. As the old adage says, “Act in haste, repent at leisure.” There are a number of things that should be considered when investing money in order to protect ourselves from scams.

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

Please use some or all the following suggestions to complete the study of outcome 10.10 in the Saskatchewan Financial Literacy 10 curriculum. Connecting careers, lifestyle, and finance should be an engaging experience for each of your students. Resources are either located below the Teacher’s Guide on SaskMoney.ca/module/future/ and through links provided in this document.

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 contains 21 pages of resources, handouts and activities about interest and goal assessments. The worksheets may help students organize information about career planning. Activities include: 7 Steps to Decision-Making, Self-Assessment & Work Values, Interests Assessment, Skills & Abilities Assessment, Personality/Temperament Assessment, Work Values Assessment, Choices not Chances Worksheet, Lifestyle Considerations, Goal Setting, Self Appraisal Questionnaire, Career Exploration, Interests Exploration, and a final Self-Exploration which is a compilation of all the data completed in the other worksheets. 

From the computer chips in our smart phones to the clothes we wear, many things we use everyday are the result of international trade. You may be surprised to discover you are dependent on many countries for your  favourite items.Students will learn about international trade and how closely it impacts every Canadian. Activities include basic language and concepts of trade including terms such as "import" and "export", the purpose and function of international trade, Canada's major imports and exports, thinking about trade benefits and potential ethical concerns regarding international trade. 

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.