“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.

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.

This resource contains: Financial Literacy Resource Guides for teachers, PowerPoint lesson and student activity on investing.

This resource contains: Financial Literacy Resource presentation for teachers, and an activity on a paystubb and payroll deductions.

This resource contains: Financial Literacy Resource Guides for teachers, projects, classroom resources, PowerPoint lessons, Excel and Google Sheets on topics including: investing, a project for after high school, financial plan, credit score and consumer choices.

Students can explore a video and the Money and Youth textbook to look at various ways to make money and earn an income. There are many considerations for each type of employment. 

Your brain is biased. Over millions of years of evolution, it’s been programmed to prioritize the present over the future, so when we try to save money, it feels like we’re depriving ourselves of joy. Why save for 10 years from now when there’s so much to do right now? Neuroscientist Alex Korb explains how our brain circuits focused on thinking, habits, and rewards interact to impact our financial decisions. But even though we favor short-term indulgences over our long-term best interests, research suggests it’s possible to undo this harmful pattern with one simple thing: a vivid imagination. Learn more about how you can rewire your brain and change your behavior to live the life you’ve always wanted. This is Your Brain on Money.

Often, we are not informed in school on how to navigate the world in regards to things like finances, accessing health care, dating, relationships, balancing work and play, partying and staying safe, managing day-to-day stress, and entering into the workforce. This course will provide an opportunity for students to discuss these topics with each other and the facilitator. Together, we will learn how to navigate the tricky and often overwhelming world of adulthood.

This course examines:
• Life Skill development for adulthood
• Basic understanding of personal finance
• Basic understanding of healthy relationship development
• Entering the workforce
• Enjoying recreational time safely
• Stress management

Session 1 – What Does Adulting Mean?
Session 2 – Money
Session 3 – Healthy Relationships
Session 4 – Taking Care of Yourself

*Sessions are offered live at set times. Visit the link to see the schedule.

This course is provided by H.O.P.E (Helping Others thru Peer Education)

Folders upon folders of excellent financial literacy teaching materials!

"It is recommended to start planning instruction with the Teacher’s Guides in each module. If you are seeking a specific resource, scroll below to search."

Students will answer the following multiple-choice questions regarding how microeconomic principles can really impact how individuals make financial decisions. A presentation is attached with some definitions and information that may assisst with completing this assignment. Answer key can be found in the Teacher Only Discussion section of the Resource Bank. https://resourcebank.ca/groups/financial-literacy-teachers/254/discussions/

This collection features resources to support teaching Module 6C: Applying Personal Spending Plans from the Saskatchewan Financial Literacy curriculum.This is a full project that can be used in Module 6C for Financial Literacy 30. This usually takes the students about 5 hours to complete and it is very comprehensive to cover all future spending. The assignment requires the students to "screenshot" proof of items they found for their budget (and support each item with evidence). Students really enjoy this project (and adults have used it too for budgeing in real life!). Students may chose to have $0 spending on some items (pets, legal, etc), but they should explain their reasoning for entering a zero. As well, students should enter savings  into their budget (at least 10% of earnings).

This content provides a slideshow with tips to help students choose a financial institutions, two assignments and a quiz. Suggested answers for quiz can be found in the Financial Literacy Teacher-only section of Resource Bank found here  https://resourcebank.ca/groups/financial-literacy-teachers/254/1010/

Answer the following questions in complete sentences regarding how microeconomic principles can really impact how individuals make financial decisions.

Module 33 MacroeconomicsAssignment Instructions: Answer the following questions regarding how macroeconomic principles can really impact how individuals make financial decisions.

Students use their emerging writing skills to write shopping lists. They work within a budget, use problem-solving skills to create lists, and buy their favorite treats at the class store.

This lesson explains leverage and insolvency and why it is good or bad. [Banking, Money, Finance playlist: Lesson 10 of 24]