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.

“The Dark Side of Buy Now Pay Later (BNPL) Apps” Video and Listening Guide Two Cents Video: https://youtu.be/UFJgnaASld8?si=ZlyKa6W0f4mq5gZj Buy Now Pay Later loans are becoming the newest, trendiest way to spend money you don't have... but are they really safer than credit cards? Preet Banjeree Video: https://youtu.be/fYM0eLvds1g?si=kNPU8bSCaAfp_0Br There are no free lunches. Find out how expensive it is to offer (for a merchant), how that can increase prices, and how using other methods to pay might be better for you (and also for lower income households!)

Economic cycles have risen and fallen over the past 100 years, in a somewhat predictable fashion behaving like a wave with periods of: peak, trough, recession, recovery. An economic expansion is a term sometimes used for the increasing growth period of the business cycle. The peak is when it is at its highest point. An economic contraction is a term sometimes used for the downturn (negative growth) of the business cycle. The trough is when it is at its lowest point. All of these points in an economic cycle have important impacts on financial decision making.Many individuals make emotional decisions based on where an economic cycle may be, instead of looking a rational evidence of where the economic cycle might be going. Attached with these handouts is a document titled "Reasons Why Investors Avoided The Stock Market" which shows many major negative events, followed by tremendous growth in the economy. If individuals understand these normal economic cycles, they can really benefit financially through investments and sound financial decision making. 

Students will examine the principal of opportunity costs with some easy to understand examples and financial decisions. This resource includes a listening guide and assignment to accompany a "Two Cents" video Mod 32: Microeconomics Curriculum Indicator: Explain and simulate economic principles including supply and demand, scarcity, incentives, elasticity, opportunity cost, diminishing marginal utility and diminishing marginal productivity.

This activity includes a listening guide and assignments to guide the students through the video and learn abou the stock market"Explained | The Stock Market | FULL EPISODE | Netflix"

Outcome: FL10.5 Explain the principles of saving money and the importance of a savings mindset. Explore the concepts of needs and wants and how they impact financial decisions. Discuss how budgeting decisions vary at different stages of life to reflect shifting personal goals.

In this lesson, students will explore the financial insttitutions in Canada and review key terms.Included in this resource: 1. Students review key vocabulary words. 2. Students read and take notes. 3. Students will complete a Bubble Map to summarize what they learned from the reading. 4. Students answer the questions and explain their thinking. 5. Students write answers to the short answer questions. 6. Have students complete the Open Ended Questions and discuss with partners or groups.

Fraud is ongoing and with new technology, there is new sophisiticated fraud happening all the time: Deep fakes, Crypto job fraud, etransfer multi-factor verification fraud... everyday there is something new. Teachers can introduce this section and discuss ways to protect themselves from fraud. The assignment allows students to review fraud stories that have taken place and investigate their own fraud. Students could present their findings in a variety of ways: posters around the school, presentation, show to the class, social media video, etc. 

Money is one of the oldest aspects of human culture, likely predating the written word. It's woven into the fabric of virtually all human activity, like food, family, work, religion, and celebration. So it's not surprising that there is a wide variety of unique money customs around the world. Students will explore new vocabulary, learn about various financial routines that differ between cultures, and respond to some multiple choice short answer and reflective questions.