Develop personal goals using a variety of goal setting models.
Teacher Guide included.
2-3 hours
This content covers financial planning, goal setting and elements that influence financial decisions. Uniquely tailored to Indigenous students’ experiences and histories, Financial Empowerment covers a wide range of topics in financial planning, personal finance, and financial decision-making. Threaded throughout with Indigenous and Canadian content, videos with Elders are also included, offering students their perspectives to enhance the learning experience.
This is a collection of resources to assist with infusing Indigenous knowledge, culture and values into the Financial Literacy Module 1: Why Money Matters (Introductory core)- Explore the purposes of money. Indigenous Elder Interivew Videos: https://opentextbooks.uregina.ca/financialempowerment/back-matter/video-interviews-with-elders/
This is a collection of resources to assist with infusing Indigenous knowledge, culture and values into the Financial Literacy Module 2 The Decision-Making Process (core Introductory).Outcome: Apply decision-making strategies to various personal and community financial scenarios.
This is a collection of resources to assist with infusing Indigenous knowledge, culture and values into the Financial Literacy Module 2 The Decision-Making Process (core Introductory). Some excellent resources include the NACCA Financial Workbook for Indigenous Women, The Money Stories series and the Native STAND booklet.
Bright, beautiful, interactive and simple to use, Managing your money offers a series of seven worksheets to help Indigenous individuals and families to set and work towards money goals. Each financial topic and activity features artwork by Simon Brascoupé paired with a teaching from the animal world that draws on their skills, strengths and experiences in managing resources. These worksheets are designed to facilitate one-on-one conversations or to be used in financial education workshops (and in fillable pdf format) They can be used in the order they appear, or in a different order that fits best with the individual. This resource also includes recorded webinar, with faciliator guide, blank slides to make your own presenation, and full booklets in English, French, Cree and Ojibwe.
Bill Lomax, President & CEO of First Nations Bank of Canada speaks about Indigenous Financial Nation Building and the Future of Indigenous Business. Bill shares present and future factors influencing the financing of Nation-building in Indigenous communities from the perspective of the only Indigenous-owned bank in Canada. From new settlements made between Indigenous Nations and the federal Crown to new business partnerships and ventures between Nations, a series of financial and social pressure points and how they could be tackled will be highlighted.
Review these news articles and infographics on the impact and connection between financial wellness and physical and mental health. Students can reflect on the impact of financial stress and how it affects everything- physical, mental health and even workplace performance. The statistics in the news arcticles on financial stress are very challenging right now for Canadians, so students could read these articles and look for ways to change these statistics going forward for their generation.
"Personal Finance program teaches students in grades 9-12 personal money management skills including the key elements of personal finance such as spending wisely, budgeting, saving, investing and using credit."You can contact your local Junior Achievement (JA) to offer this course or you can enrol as a teacher and have your students complete it under your direction. This can also be accessed by a student or parent as well (with a free account).
Gamified tax literacy courses are now freely available for Canadian students and teachers on the ChatterHigh platform. Demystify taxes and boost confidence in youth so they can do taxes on their own with these 7 gamified online courses by the Canadian Revenue Agency. Course titles include: Starting to Work, Preparing to Do Your Taxes, Completing a Basic Tax Return, After Sending the CRA Your Tax Return and Purpose of Taxes. Students will earn a certificate of achievement for completing the Completing a Basic Tax Return course. By seeing examples of tax slips and tax returns, as well as walking through the steps of completing a basic tax return, students will tain the tools they need to confidently do their taxes on their own.
Money Stories is a series of 8 lessons dealing with financial matters of everyday life. The Money Stories Program originated when Elders at the Aboriginal Seniors Resource Centre (in Winnipeg, MB) had the idea that money management training should be taught to Indigenous youth with a focus on Indigenous values, culture, and traditional teachings. The Money Stories Curriculum was then developed and tweaked by current and past SEED Winnipeg Inc. staff.Everyone is welcome to review the Money Stories Curriculum presented here. Note: the attached materials are read-only. SEED Winnipeg Inc. kindly requests that organizations contact them directly via email or phone to request a printable version of the instructor’s manual and to order printed versions of the workbook (there will be a fee to recover costs for the workbook). Interested organizations should have like-minded goals and values that support individuals in any of these areas: financial empowerment, education, job readiness, or life skills training. Someone with facilitation experience is an asset.
"The world of money is one area where many people often feel they lack control. Many, if not most, Canadians never had much in the way of financial education – at school or from parents. We hope to change that for the next generation. [Note to Parents and Teachers – Guides are with each Module.]"
Module 1 - Your Money Decisions: Who's in Control
Module 2 - Your Goals and Values
Module 3 - Your Goals: Some Things to Consider
Module 4 - Decision Making
Module 5 - Sources of Income
Module 6 - Career Under Construction: Investing in You
Module 7 - Are You an Entrepreneur?
Module 8 - Money Basics
Module 9 - Taking Control of your Money
Module 10 - Spending on Major Purchases
Module 11 - Borrowing Money
Module 12 - Getting and Managing Credit
Module 13 - Putting Your Money to Work: Saving and Investing
Module 14 - Protecting Assets - and Planning for Financial Independence
This section contains the full PDF version of Money and Youth and Teacher Guides for each Module and Money and Youth Connections to Financial Literacy 20 and 30 Curriculum Modules. Module 1: Your Money Decisions: Who's in Control, Module 2: Your Goals and Your Values, Module 3: Your Goals: Some Things To Consider, Module 4: Decision-making, Module 5: Sources Of Income, Module 6: Career Under Construction: Investing In You, Module 7: Are You an Entrepreneur?, Module 8: Money Basics, Module 9: Taking Control Of Your Money, Module 10: Spending On Major Purchases, Module 11: Borrowing Money, Module 12: Getting And Managing Credit, Module 13: Putting Your Money To Work – Saving And Investing, Module 14: Protecting Assets – And Planning For Financial Independence
This resource includes getting started guides for teachers, students and counsellors.Updated and new resources are included for implementation, portfolios, activities, feedback, Volunteerism 30, take our kids to work day, Financial Literacy 10 and more.
This content covers budgeting and net worth elements that influence financial decisions. Uniquely tailored to Indigenous students’ experiences and histories, Financial Empowerment covers a wide range of topics in financial planning, personal finance, and financial decision-making. Threaded throughout with Indigenous and Canadian content, videos with Elders are also included, offering students their perspectives to enhance the learning experience.
Three Saskatchewan people recovering from gambling addiction are describing the wild swings, losses and sacrifices that came with their previous lifestyle — but also their improved quality of life since distancing themselves from it.
According to a recent Statistics Canada study of data gathered in the 2018 Canadian Community Health Survey–Gambling Rapid Response, the Prairie provinces had the highest percentage of past-year gamblers at moderate-to-severe risk of gambling problems at 2.5 per cent. The national average was 1.6 per cent.
The rate among men in the Prairies was 2.7 per cent — and 2.2 per cent among women. The national rates were two per cent and 1.2 per cent, respectively.
The same analysis pegged the percentage of Saskatchewan men who had gambled in the previous year at 76.9 per cent, tops in Canada. The national average was 68.8 per cent.
CBC News agreed to grant anonymity to three men who have been taking part in Gamblers Anonymous Saskatchewan meetings.
"Wade," who said he is recovering from an addiction to online gambling, said he began gambling as soon as he was old enough to get his first credit card, adding he was influenced by stories of big wins by friends who played VLTs.
"I guess being young and naive, I suppose that they only seemed to ever tell me about the times they won," he said.
Wade said he would play blackjack and slots online and once turned $1,000 into $74,975 — before losing it all in an attempt to win $25 more to make it an even $75,000.
He said he got "tunnel vision" trying to win the money back, adding it happened very fast, especially since it was online.
"You're there by yourself. There's no one watching," he said. "And before you know it, it's all gone because you don't have that ability when you're dealing with an addiction to really comprehend what's happening."
No win large enough to quit
Wade said that loss was the "big turning point" for him, because he realized there was never going to be a win large enough to satisfy him.
"If I looked at all the money I ever gambled, I probably would have been up money at that point," he said. "If that's not enough, then there's never going to be something that's enough. It could be a $1,000,000 win."
He said he was also sick of worrying about bills and not being able to do things because he had no money.
"It was just a vicious cycle of get paid, blow it all immediately, wait two weeks, get paid, blow it immediately, over and over again," he said.
Conservative MP says Sask. government has 'dropped the ball' on single-event sports betting
He said he bought a program that blocks any sort of gambling website from his IP address — and also went to his first Gamblers Anonymous meeting last summer. He said he stuck with it for four months, had a two-week relapse, then took his recovery more seriously.
"All the bad things that I had felt and remember doing and the times I had lied to people that I cared about, they just came rushing back," he said. "It's like, 'Do I really want to throw away all the good things that I had going on in my life to play a couple of hands of blackjack?'"
Wade said the positive changes in his life have not all been financial.
"All the little things in my life," he said. "You're a better friend, a better employee. You don't feel as angry all the time and that the world is out to get you."
Recovering sports gambler recalls 'heavy swings'
"Trevor," who said he is recovering from a sports gambling addiction, said he started betting on sports when he was about 20 years old, but that his gambling started when a casino opened in his community.
He said he started playing blackjack and poker, then moved to sports betting, initially playing Sport Select Pro-Line for several years before moving to online gaming on offshore sites. That's when he started betting almost every day, and for bigger and bigger amounts.
"There was heavy, heavy swings, both positive and negative," he said. "It began a lot more to control my day. And it was never-ending."
Responsible gambling advocates keeping eye on increasing 'normalization' of sports betting
Trevor said he has likely bet more than $10,000 on a single game 50 times in his life.
He said his income and credit allowed him to have big swings where he would be up $100,000 in a week from his betting — and by the end of the week or the following week, he would be down $20,000.
"I'd be up $25,000 in a day," he said. "And the next day, I'd lose $30,000."
"I remember one day I made just over $10,000 betting on baseball online, and lost it all in about seven minutes playing blackjack online," he said.
Trevor said getting into more debt makes it harder to quit.
"You don't want to admit that the money's gone," he said. "It's just borrowed to somebody else for the time being and you can get it back."
Trevor said he and a counsellor have since estimated that over his life he had wagered between $4 million and $5 million, including money from wins.
Crisis point
Trevor said his breaking point came when he lost his job while saddled with a heavy mortgage, which put him in a "very, very bad place" with depression and anxiety.
His wife didn't know the extent of his gambling, but ended up taking him to the hospital.
"My plan was I was going to take off. I was just going to run away. I was going to go to the States," he said. "Didn't know exactly where I was going.
"I went and I said goodbye to my youngest daughter and I packed my car. My wife wasn't supposed to be home and she was."
Someone at the hospital advised him to tell his wife what was going on. He said it took about a week to tell her everything.
Sports gambling has victims — and they are typically highly educated young men
Trevor said he attended his first Gamblers Anonymous meeting in December 2019, two days after his last bet.
He said his wife had begun asking him every day if he had made any bets.
"I got to the point that at least I was answering her honestly," he said. "I remember that day she'd asked me and I'm like, 'Yeah, I went three-for-four today.'
"And she got up and walked upstairs and went and laid in our room."
He said he then closed the betting account that he used, gave his wife access to all of his cards and has been attending Gamblers Anonymous meetings ever since.
He said his life is much more peaceful, he sleeps much better and he doesn't have to worry about his wife checking his phone.
"Just being present in the moment when I'm with my family versus worrying about what game I'm going to bet on or what's going on with the game that I have bet on," he said.
'Gambling owned me'
"Mike," who said he was recovering from an addiction to VLTs, said he started gambling at the age of 14 when he was working at a racetrack and continued to gamble for 34 years.
"As a 14-year-old, I won constantly because guys would tell me when the longshots were going to win and I'd give them money and they'd give me a whole bunch more," he said.
"Progressively, what happened was I would gamble off and on most of my life."
He said a friend introduced him to VLTs in 1994 and "I was definitely hooked."
"The one thing that I learned was gambling owned me. I had no control once I started playing. No control whatsoever," he said.
Provincial coalition of gaming agencies calls on bettors to avoid illegal gambling sites
Nearly two-thirds of Canadians 15 and up report gambling, data shows
Mike said he exhausted all the money that was in his business at the time.
"It was very successful. But I destroyed it. And fortunately to the point that I had no choice, I had to quit gambling. I just didn't have the funds to continue on," he said.
"The money drain was incredible. Absolutely incredible."
He said he had also been caught by a friend who told his wife what was going on, which forced him to take steps to stop his gambling.
Road to recovery
Mike said he hasn't gambled since he went to his first Gamblers Anonymous meeting in 1998, but that he had a $250,000 tax bill to settle with Revenue Canada (now the Canada Revenue Agency) and couldn't declare bankruptcy because of the value of his home.
He said he reached a settlement with the agency, but also started another business and took on a second job.
"I worked very, very hard for a long time," he said. "But I was able to sell that business almost six years ago for quite a bit of money and was able to retire a little less than five years ago."
If you or someone you know is struggling with problem gambling, you can call the Saskatchewan Problem Gambling Helpline at 1-800-306-6789.
In The Payoff game, play the role of Alex or Jess, two up-and-coming video bloggers who are preparing for a life-changing video competition while managing their finances and handling unexpected events. In the immersive game, developed by Visa, help Alex and Jess make smart financial decisions within the tight three-day deadline and complete their video for the competition.
The following resource contains the assets (or resources) to accompany the Sask DLC Financial Literacy 10 course.Please note that all of these resources will also be available in the Financial Literacy Hub by mid-September 2024. This will allow you to access resources by outcome for the course. This resources allows you to access all of the supports for Financial Literacy 10 in one place. A syllabus, timeline, teacher guide, course videos and supporting materials (organized by units) are provided.
Welcome to Relevance 2024 by the Saskatoon Industry Education Council. We’ve packed peer profiles, career spotlights, career exploration resources, an updated Job Chart and more into this year’s magazine. Our theme for 2024 is Limitless—not because jobs are infinite. Your future is limitless because it’s all in front of you, your journey is just starting. Our updated Job Chart highlights the latest stats on over 250 jobs, from wages to job prospects to educational paths. We’ve turned a spotlight on career options in health care and art-focused careers. You’ll also find links to resources on essential skills, apprenticeship, scholarships, virual reality training and moe. Your future awaits - enjoy exploring the limitelss possiblities.
This is an interactive simulation that immerses users in the challenges of living on a low income. Players make tough financial decisions over a month, reflecting real-life scenarios like medical emergencies and unexpected expenses.
Key Features:
Simulation Game: Navigate daily choices with limited resources.
Educational Insights: Learn about poverty, budgeting, and systemic issues.
Awareness Building: Fosters empathy and understanding of financial hardship.
Target Audience: Ideal for educators, students, and community organizations interested in economic disparity.
Benefits:
Enhances financial literacy.
Promotes discussions on social justice.
Provides a safe space to explore difficult choices.