Outcome: FL10.5 Examine the role of personal budgets and their importance for financial planning. Indicator: i. Create and justify a personal budget for a hypothetical scenario that includes income and expenses. Students will read Gabrielle’s story and examine her budget.  Use the table or budget sheet to set up and maintain Gabrielle’s budget. Then the students will need to re-do her budget for the next month to make it work that she doesn’t spend more than she earns. There is a final reflection and analysis for the students to learn from this budget activity and how it will help them in the future to budget unanticipated items as well. 

This lesson includes full classroom sequence including suggested intro activities, timing, formative and summative activites, and context for teaching. In this lesson, students will identify and review their expenses and income and learn to create a budget. At the end of this lesson, students will: know, understand and/or can distinguish between needs and wants and create a personal budget. According to a FCAC’s 2024 Canadian Financial Wellbeing Survey, 53% of Canadians have household budgets. 62% of respondents say their debt increased by more than $5000 in the past 12 months and only 54% had an emergency fund to cover 3 months of expenses (down from 64% in 2019) 32% of Canadian say they are short on money at the end of the month (vs. 19% in 2019), which means budgeting isn’t going as well as it should be. So, since budgeting seems to aid in your financial health, why don’t most Canadians follow their budget?

Students will work through a budgeting workbook, choosing their expenses and overcoming unexpected items each month. Step 1, the student will use a dice to determine their future job, which will be used throughout the activity. Step 2 guides the students to calculate their take home pay using step by step guide to take off deductions from the paycheck. Step 3 allows the students to make life decisions for how they want to live and determine how much those decisions will costs (tracking the happiness points that go along with each choice). Step 4 is a fun part of the budget where "stuff happens" which impact their monthly finances and happiness points. There is a summary activity to find out if students are able to fund their monthly budget, even with the unexpected. There is a final reflection and analysis for the students to learn from this budget activity. Students will need this workbook, a dice (could be virtual), and a calculator

In this activity, students will explore a job as an Uber driver. There are some clear perks of working in the gig economy, such as being your own boss and working flexible hours. But it might not be as easy as it seems. You’re a full-time Uber driver with two kids to support and a $1000 mortgage payment due in a week. Can you earn enough to pay the bill -- and make more than other players?Students will keep track of their activities in the game, their choices (to pick shifts or spend money) and how they did during the game over (able to pay bills, balance life with a job that side hustle and varying hours). 

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.

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

Welcome to the "Keep Your Balance" activity. You are moving out on your own! You will receive no help from home! In this scenario you are old enough to drive a car if you choose to include the expenses of a car in your monthly expenses. You may share accommodation but each person must have his or her own bedroom.

Mind Your Money: An Introduction to the Psychology of Spending. Nov 2023 https://youtu.be/BSulTNHwlL8?si=ZhaKcDXDi6guxeQoA one hour presentation from Mark at the Credit Counselling Society discussing mindful spending techniques and the marketing behind retailers who try to encourage you to spend your money.

Money StoriesGrounding Indigenous Youth in the Lessons of their EldersWhat is it?Money Stories is a customized money management training program for Indigenous youth. The program combines Indigenous Elders speaking about their experiences with money, with facilitator-led activities about money that are relevant to youth. “We (Elders) need to help the next generation out of poverty. Young people have gifts and talents that should be used. I believe that preparing them for the future, one day they’ll go out into society with the experience and confidence to know they can make it.” Elder Lucy Guiboche.Money stories is delivered in eight chapters. Topics covered include Money, My Community & Me, Building Assets, Goal Setting & Problem Solving, Gathering Information, Budgeting, Banking, and Credit.

In this vignette the girl is influenced by her peers to make a poor choice.  Don’t let others decide what you need and what you want. Every day people are exposed to advertising trying to convince them to buy their product. If you think that what you want is actually something you need, you are more likely to buy it. Money must be spent on needs, but wants are a choice you make. You should be in control of your spending.

Students will 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. Students can work through some activites to discover reasons for budgeting, the difference between needs and wants and do their own self-evaluation for their financial choices.

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

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.

This booklet contains 7 chapters on topics related to how to earn, save, budget, spend, borrow, protect and give money. Whether you get a weekly allowance or get paid for walking your  neighbor’s dog, your first step in handling your money well is to think about short-term and long-term goals. Then make a plan to reach them. It takes a bit of practice to master your money, just like it takes time to learn to  ride a bike. But once you get the hang of it, you’ll be ready to tackle all sorts of money twists and turns.

Students can learn the 101 of Financial Literacy in this online course. Its engaging, animated, visual and interactive!
Teachers can set up an online classroom and manage their students' progress through the modules.
This includes quizzes, assignments, discussion prompts, additional learning in the "sidetrips" section.
With a fun, dynamic guide that makes money feel empowering, financial literacy becomes a life-long that that pays dividends.
Modules:
1. Money Basics and the Economy
2. Setting Goals and Making Wise Consumer Decisions
3. Getting Money: Employment
4. Getting Money: Self Employment - Are You An Entrepreneur?
5. Spending on Major Purchases
6. Borrowing Money
7. Putting Your Money to Work- Saving and Investing Money
8. Protecting Your Money and Things of Value
9. Financial Independence
10. Managing Your Money

Financial Basics is a workshop designed to teach young adults essential financial skills, including budgeting, saving, credit management, investing, fraud prevention, and financial planning.

Included: presenter's manual, participant's notebooks, presentation slides, evaluation form, learning videos.

If you'd like hard copies of the materials, allow 4 to 6 weeks for order fulfillment.

Module 1 - Introduction
Module 2 - Budgeting
Module 3 - Managing Cost of Living
Module 4 - Credit & Debit Management
Module 5 - Saving & Investing
Module 6 - Financial Goals
Module 7 - Protect Yourself
Module 8 - Summary

Incorporate fun stuff into your financial literacy classroom! Here are some files that teach financial literacy with events such as: Valentines Day, Super Bowl, and Halloween. There are also some online Finance games to share with your students

These videos were created by Sask DLC to align with the SK Financial Literacy 10 curriculum and learning outcomes.

Educational ComicsVisa and Marvel Entertainment teamed up to release two exciting educational comic books, which teach readers, especially young people, about personal finance. The comics, Avengers: Saving the Day, Guardians of the Galaxy: Rocket’s Powerful Plan, and Black Panther: Investing in Each Other, combine Marvel’s iconic Super Heroes with Visa’s financial literacy expertise to introduce readers to fundamental money management concepts in an entertaining and engaging way. The Guardians of the Galaxy has been distributed worldwide in16 different languages.

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