Financial Literacy Resources in Manitoba

Understanding What is Available

This seminar is proudly hosted in partnership with

Entrepreneurs with Disabilities Program

Aboriginal Business Service Network

Canadian Youth Business Foundation

Literacy Partners of Manitoba

SEED Winnipeg

Literacy Partners of Manitoba (LPM) is a non-profit organization that believes literacy is a human right that literacy is everyonersquos business and all Manitobans have a part to play

LPM is a member of the Canadian Literacy and Learning Network a national non-profit organization representing literacy coalitions organizations and individuals from every province and territory

UNESCO definition of Literacyhellip

Literacy is the ability to identify understand

interpret create communicate compute and

use printed and written materials associated

with varying contexts Literacy involves a

continuum of learning to enable an individual to

achieve his or her goals to develop his or her

knowledge and potential and to participate fully

in the wider society (LPM has adopted the UNESCO definition of literacy)

Literacy factshellip

ldquohellip48 of Canadarsquos population does not possess a Level 3

literacy (this is about equal to a Grade 12 education) ndash the level thought to be needed to take full advantage of opportunities present in the global economyrdquo

(Addressing Canadarsquos Literacy Challenge A CostBenefit

Analysis 2009 DataAngel Policy Research Inc)

Plain Language Services and Training

bull Plain language is a style of writing that allows everyone in the audience to more easily understand you message

bull This style of writing allows you to share complex information a clear concise and simplified form

bull Literacy Partners of Manitoba has develops plain language booklets such as ldquoGoing Back to Schoolrdquo ldquoGoing to the Doctorrdquo and ldquoSafe at Workrdquo and will soon be publishing ldquoGoing to the Libraryrdquo

bull These resources are available on our website or in print by contacting our office

bull Literacy Partners of Manitoba provides basic and advanced plain language training in addition to providing plain language services for all types of written documents

bull This service is offered throughout Manitoba

LEARN Line

bull LEARN Line is a provincial adult learner referral program

bull Referrals are provided primarily by telephone but can also be provided through email or in person

bull We provide a learner assessment and offer referrals to adult literacy programs for reading writing spelling or math upgrading An adult literacy centre also offers GED preparation

bull We provide referrals to adult learning centres for high school credit upgrading or Mature High School Diplomas

bull LEARN Line receives about 600 calls from adult learners and service providers each year

bull You can contact the LEARN Line at 947-5757 or toll free at 1-866-947-5757

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

Literacy Partners of Manitoba (LPM) is a non-profit organization that believes literacy is a human right that literacy is everyonersquos business and all Manitobans have a part to play

LPM is a member of the Canadian Literacy and Learning Network a national non-profit organization representing literacy coalitions organizations and individuals from every province and territory

UNESCO definition of Literacyhellip

Literacy is the ability to identify understand

interpret create communicate compute and

use printed and written materials associated

with varying contexts Literacy involves a

continuum of learning to enable an individual to

achieve his or her goals to develop his or her

knowledge and potential and to participate fully

in the wider society (LPM has adopted the UNESCO definition of literacy)

Literacy factshellip

ldquohellip48 of Canadarsquos population does not possess a Level 3

literacy (this is about equal to a Grade 12 education) ndash the level thought to be needed to take full advantage of opportunities present in the global economyrdquo

(Addressing Canadarsquos Literacy Challenge A CostBenefit

Analysis 2009 DataAngel Policy Research Inc)

Plain Language Services and Training

bull Plain language is a style of writing that allows everyone in the audience to more easily understand you message

bull This style of writing allows you to share complex information a clear concise and simplified form

bull Literacy Partners of Manitoba has develops plain language booklets such as ldquoGoing Back to Schoolrdquo ldquoGoing to the Doctorrdquo and ldquoSafe at Workrdquo and will soon be publishing ldquoGoing to the Libraryrdquo

bull These resources are available on our website or in print by contacting our office

bull Literacy Partners of Manitoba provides basic and advanced plain language training in addition to providing plain language services for all types of written documents

bull This service is offered throughout Manitoba

LEARN Line

bull LEARN Line is a provincial adult learner referral program

bull Referrals are provided primarily by telephone but can also be provided through email or in person

bull We provide a learner assessment and offer referrals to adult literacy programs for reading writing spelling or math upgrading An adult literacy centre also offers GED preparation

bull We provide referrals to adult learning centres for high school credit upgrading or Mature High School Diplomas

bull LEARN Line receives about 600 calls from adult learners and service providers each year

bull You can contact the LEARN Line at 947-5757 or toll free at 1-866-947-5757

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

UNESCO definition of Literacyhellip

Literacy is the ability to identify understand

interpret create communicate compute and

use printed and written materials associated

with varying contexts Literacy involves a

continuum of learning to enable an individual to

achieve his or her goals to develop his or her

knowledge and potential and to participate fully

in the wider society (LPM has adopted the UNESCO definition of literacy)

Literacy factshellip

ldquohellip48 of Canadarsquos population does not possess a Level 3

literacy (this is about equal to a Grade 12 education) ndash the level thought to be needed to take full advantage of opportunities present in the global economyrdquo

(Addressing Canadarsquos Literacy Challenge A CostBenefit

Analysis 2009 DataAngel Policy Research Inc)

Plain Language Services and Training

bull Plain language is a style of writing that allows everyone in the audience to more easily understand you message

bull This style of writing allows you to share complex information a clear concise and simplified form

bull Literacy Partners of Manitoba has develops plain language booklets such as ldquoGoing Back to Schoolrdquo ldquoGoing to the Doctorrdquo and ldquoSafe at Workrdquo and will soon be publishing ldquoGoing to the Libraryrdquo

bull These resources are available on our website or in print by contacting our office

bull Literacy Partners of Manitoba provides basic and advanced plain language training in addition to providing plain language services for all types of written documents

bull This service is offered throughout Manitoba

LEARN Line

bull LEARN Line is a provincial adult learner referral program

bull Referrals are provided primarily by telephone but can also be provided through email or in person

bull We provide a learner assessment and offer referrals to adult literacy programs for reading writing spelling or math upgrading An adult literacy centre also offers GED preparation

bull We provide referrals to adult learning centres for high school credit upgrading or Mature High School Diplomas

bull LEARN Line receives about 600 calls from adult learners and service providers each year

bull You can contact the LEARN Line at 947-5757 or toll free at 1-866-947-5757

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

Literacy factshellip

ldquohellip48 of Canadarsquos population does not possess a Level 3

literacy (this is about equal to a Grade 12 education) ndash the level thought to be needed to take full advantage of opportunities present in the global economyrdquo

(Addressing Canadarsquos Literacy Challenge A CostBenefit

Analysis 2009 DataAngel Policy Research Inc)

Plain Language Services and Training

bull Plain language is a style of writing that allows everyone in the audience to more easily understand you message

bull This style of writing allows you to share complex information a clear concise and simplified form

bull Literacy Partners of Manitoba has develops plain language booklets such as ldquoGoing Back to Schoolrdquo ldquoGoing to the Doctorrdquo and ldquoSafe at Workrdquo and will soon be publishing ldquoGoing to the Libraryrdquo

bull These resources are available on our website or in print by contacting our office

bull Literacy Partners of Manitoba provides basic and advanced plain language training in addition to providing plain language services for all types of written documents

bull This service is offered throughout Manitoba

LEARN Line

bull LEARN Line is a provincial adult learner referral program

bull Referrals are provided primarily by telephone but can also be provided through email or in person

bull We provide a learner assessment and offer referrals to adult literacy programs for reading writing spelling or math upgrading An adult literacy centre also offers GED preparation

bull We provide referrals to adult learning centres for high school credit upgrading or Mature High School Diplomas

bull LEARN Line receives about 600 calls from adult learners and service providers each year

bull You can contact the LEARN Line at 947-5757 or toll free at 1-866-947-5757

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

Plain Language Services and Training

bull Plain language is a style of writing that allows everyone in the audience to more easily understand you message

bull This style of writing allows you to share complex information a clear concise and simplified form

bull Literacy Partners of Manitoba has develops plain language booklets such as ldquoGoing Back to Schoolrdquo ldquoGoing to the Doctorrdquo and ldquoSafe at Workrdquo and will soon be publishing ldquoGoing to the Libraryrdquo

bull These resources are available on our website or in print by contacting our office

bull Literacy Partners of Manitoba provides basic and advanced plain language training in addition to providing plain language services for all types of written documents

bull This service is offered throughout Manitoba

LEARN Line

bull LEARN Line is a provincial adult learner referral program

bull Referrals are provided primarily by telephone but can also be provided through email or in person

bull We provide a learner assessment and offer referrals to adult literacy programs for reading writing spelling or math upgrading An adult literacy centre also offers GED preparation

bull We provide referrals to adult learning centres for high school credit upgrading or Mature High School Diplomas

bull LEARN Line receives about 600 calls from adult learners and service providers each year

bull You can contact the LEARN Line at 947-5757 or toll free at 1-866-947-5757

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

LEARN Line

bull LEARN Line is a provincial adult learner referral program

bull Referrals are provided primarily by telephone but can also be provided through email or in person

bull We provide a learner assessment and offer referrals to adult literacy programs for reading writing spelling or math upgrading An adult literacy centre also offers GED preparation

bull We provide referrals to adult learning centres for high school credit upgrading or Mature High School Diplomas

bull LEARN Line receives about 600 calls from adult learners and service providers each year

bull You can contact the LEARN Line at 947-5757 or toll free at 1-866-947-5757

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

Online Resources

bull In our presentation we discussed online resources and the links are as follows

bull httpabclifeliteracyca contains a number of great financial literacy resources look under the title ldquoFinancial Literacy Weekrdquo here you will also find the good reads book that was discussed called ldquoEasy Moneyrdquo written by Gail Vaz-Oxlade

bull National Adult Literacy Database (NALD) provides a practical approach to math and financial literacy through resources such as ldquoKitchen Mathrdquo and ldquoMoney Mathrdquo

bull You can find these resources and more at httpwwwnaldca

Go To LEARN

bull Your Go To Guide for Adult Learning in Manitoba

bull An interactive online tool developed to help adult learners and service providers access and understand Adult Learning choices in Manitoba

bull You can access this free resource at

wwwgotolearnmbliteracyca

Or at wwwliteracymbliteracyca

Literacy Partners of Manitoba

bull We are a partnership based organization and our work occurs largely on working with other individuals community groups and organizations

We invite you to contact us at

947-5757 or toll free at 1-866-947-5757

Email us at literacymbliteracyca

Visit us at 401-321 McDermot Avenue Winnipeg Manitoba R3A 0A3

Budgeting Resources Presented by Community Futures Manitoba Staff

Susan Bater ndash EDP Coordinator

Deborah Smith ndash ABSN Coordinator

CONTACT INFORMATION

Deborah Smith ABSN Coordinator Community Futures Manitoba 559-167 Lombard Avenue Winnipeg Manitoba R3B 0V3 Phone 204-944-8438 Fax 204-956-9363 Email dsmithcfmanitobaca

CONTACT INFORMATION

Deborah Smith ABSN Coordinator Community Futures Manitoba 559-167 Lombard Avenue Winnipeg Manitoba R3B 0V3 Phone 204-944-8438 Fax 204-956-9363 Email dsmithcfmanitobaca

Introduction

A budget is a plan or process that helps us

ndash Pay living expenses

ndash Pay off debts

ndash Decide what we can afford

ndash Save towards financial goals

ndash Have money for the things we want to do

The following presentation will provide resources

that offer on line interactive tools resource guides

and teaching tools

httpwwwmoneymentorsca

Budgeting Resource Guides

httpwwwfcac-acfcgcca

Budgeting Tools

httpwwwmoneyvillecablogpost924683--7-online-budgeting-tools-worth-a-look

Budgeting Tools

httpwwwmoneymentorsca

Budgeting Resource Guides

httpwwwfcac-acfcgcca

Budgeting Tools

httpwwwmoneyvillecablogpost924683--7-online-budgeting-tools-worth-a-look

Budgeting Tools

httpwwwfcac-acfcgcca

Budgeting Tools

httpwwwmoneyvillecablogpost924683--7-online-budgeting-tools-worth-a-look

Budgeting Tools

httpwwwmoneyvillecablogpost924683--7-online-budgeting-tools-worth-a-look

Budgeting Tools

Budgeting Workshop

Budgeting Teaching Tools

Spend-o-meter What are you spending

How many coffees do you buy in a week

How many lunches do you buy in a week

How many times do you go out to the movies in a month

httpwwwrbcroyalbankcomsavingsspotspend-o-meterhtml

Budgeting Teaching Tools

Spend-o-meter What are you spending

How many coffees do you buy in a week

How many lunches do you buy in a week

How many times do you go out to the movies in a month

httpwwwrbcroyalbankcomsavingsspotspend-o-meterhtml

Spend-o-meter What are you spending

How many coffees do you buy in a week

How many lunches do you buy in a week

How many times do you go out to the movies in a month

httpwwwrbcroyalbankcomsavingsspotspend-o-meterhtml

Online Budgeting Tools Manitoba START

httpwwwmanitobastartcombudgetbudget-calculatorhtmlbruner

Online Budgeting Tools CIBC Student Budget Calculator

httpswwwcibccomcaeducationarticlesstudent-budget-calchtml

Online Budgeting Tools Royal Bank myFinanceTracker

httpwwwrbcroyalbankcommyfinancetrackermyfinancetrackerhtml

Online Budgeting Tools More Websites

How to Manage your Debt httpwwwrbcroyalbankcomproductspersonalloansbudgetbudget-calculatorhtml

Student Budget Calculator httpwwwrbcroyalbankcomstudentmedicalbudgetcalculator

Budgeting to Save ndash Holidays Renovations Car etc Includes saving calculator httpwwwrbcroyalbankcomsavingsspoteasy-budgeting-toolhtml

Finances for Women includes Budget and Savings calculators httpwwwgoldengirlfinanceca

COMMUNITY FUTURES ALBERTA | PAN WEST STRATEGY

Entrepreneurs with Disabilities Program

Susan Bater

Entrepreneurs with Disabilities Program Coordinator- Rural Manitoba

Phone 943-2905 ext 4

Email edpinfomtsnet

Website wwwcfmanitobaca

Facebook wwwfacebookcomEDPconnects

wwwcfmanitobaca

UNDERSTANDING CREDIT

bull A snapshot of your credit history bull It indicates the risk you represent for lenders compared with other

consumers bull The higher your score the lower the risk for the lender bull Your credit history starts from day one ndash the first time you get a credit

card a loan line of credit or a cell phone bull Canadas 2 major credit-reporting agencies are Equifax and

TransUnion

From the Office of Consumer Affairs Credit report credit score and credit rating httpwwwicgccaeicsiteoca-bcnsfengca02179htmla

What Does Your Credit Report and Credit Score Mean in Plain English

httpwwwcanlawcomcreditcreditreporthtm

WHAT IS A CREDIT REPORT

bull A snapshot of your credit history bull It indicates the risk you represent for lenders compared with other

consumers bull The higher your score the lower the risk for the lender bull Your credit history starts from day one ndash the first time you get a credit

card a loan line of credit or a cell phone bull Canadas 2 major credit-reporting agencies are Equifax and

TransUnion

From the Office of Consumer Affairs Credit report credit score and credit rating httpwwwicgccaeicsiteoca-bcnsfengca02179htmla

What Does Your Credit Report and Credit Score Mean in Plain English

httpwwwcanlawcomcreditcreditreporthtm

WHAT IS A CREDIT REPORT

bull A statistical formula that translates personal information from your credit report and other sources into a 3 digital score

bull The most common score is between 750 and 799 - 7 of the population falling into that group

bull The next most common scores are 800-849 - which accounts for 24

bull The third most common is 700-749 - which represents 19 of the total population measured

Video on understanding your credit score

httpvideoezinemarkcomunderstanding-your-credit-score-canada-46b18ef054chtml

Pdf Publication from Financial Consumer Agency of Canada httpwwwfcac-acfcgccaengresourcespublicationsbudgetmoneymgmtcreditreportscoreCreditReportScoreTOC-

engasp

WHAT IS A CREDIT SCORE

What factors influence your credit score

bull Your payment history

bull Any collection or bankruptcy recorded

against you

bull Your outstanding debts

bull Your account history

bull The of recent inquiries made about your

credit report

bull The type of credit you are using

httpwwwyoutubecomwatchv=lEJkbxTSQLI

httpwwwcreditcardreviewca5-factors-that-affect-your-credit-rating--article

What Does a Equifax Credit report look like

httpwwwrentcheckcorpcomservicescredit_bureau_servicesconsumer_reportingallEQ_Guidepdf

httpwwwfcac-acfcgccaengresourcespublicationsbudgetmoneymgmtcreditreportscoreExEquifaxScore-engasp

What Does a Transunion Credit report look like

bull httpwwwgroupechocomenglishtrans_unionpdfGuideEn_TUpdf

bull httpwwwfcac-acfcgccaengresourcespublicationsbudgetmoneymgmtcreditreportscoreExTransUnionScore-engasp

bull httpwwwtransunioncomdocsbusinessHowToReadCreditReportpdf

How can you maintain a good credit history bull Pay your bills on time bull Try to pay your bills in full by the due date or pay the required minimum

amount bull Contact your creditors if you are having trouble making payments bull Limit the number of credit applications you make bull Read the statements you receive from your credit card company

carefully bull Deal with companies you know and trust bull Get a copy of your credit report from the two credit-reporting agencies at

least once a year and make sure they are accurate

7 Ways to Maintain a Good Credit Score httpcreditaboutcomodcreditreportscoringtphow-to-maintain-good-credit-

scorehtm Great Infographic httpfinancialhighwaycominfographicA20Good20Credit20Score205BIn

fographic5Djpg

These cards are meant for people either with bad credit or have yet to build credit

httpcreditcardsredflagdealscomtBad-Credit-Build-Credit Use this Credit Card Selector Tool to help you narrow down your choice The tool allows you to compare the features and costs of over 250 credit cards and find the one that best meets your needs

httpwwwfcac-acfcgccaengresourcespublicationspaymentoptionsrightrespccrightre

spcc-3-engasp Industry Canadas free credit card costs calculator

httpwwwfcac-acfcgccaengresourcestoolCalculatorCreditCardselectorToolCCYSte

pProfile-engaspuserProv=7

Building credit history how a credit card helps

Equifax Canada National Consumer Relations PO box 190 Station Jean-Talon Montreal Quebec H1S 2Z2 Tel (toll-free) 1-800-465-7166 Fax 514-355-8502 Web site wwwequifaxca

TransUnion Canada Consumer Relations Centre PO Box 338 LCD 1 Hamilton Ontario L8L 7W2 Tel (toll-free) 1-866-525-0262 Fax 905-527-0401 Web site wwwtransunionca

A summary of the methods to request your credit report and their respective characteristics

Methods Advantages Disadvantages

Mail

Free of charge

bull Credit score is not provided

bull Can take some time to receive

Internet

Almost instant report

bull Option to get credit score

bull Fee charged

What if I find errors in my credit report bull You have the right to explain or protest

bull Contact the credit reporting agency regarding their dispute resolution process

bull If you do not agree with an item following the investigation you are able to add a explanatory statement to your report

From Office of Consumer Affairs

httpwwwicgccaeicsiteoca-bcnsfengca02181html From CBC News

httpwwwcbccanewsbackgroundidentity-theftcredit-ratinghtml

What information should not be in my credit file

bull Race bull Religion bull Health or health care history bull Criminal charges not resulting in conviction

How to Improve your credit score

bull Pay your bills bull Pay off collections bull Reduce credit balances bull Limit credit applications bull Avoid bankruptcy bull Stay within credit limits bull Spot and correct errors in your credit report From Office of Consumer Affairs

httpwwwicgccaeicsiteoca-bcnsfengca02178html

Factors that do not affect your score bull Age bull Income bull Where you live bull Social Support bull Your Inquires

Bankruptcy bull Should be the last alternative if you cannot meet your financial

responsibilities through payments over a specific period of time

bull Itrsquos a serious step with many consequences

bull When you declare bankruptcy your property minus any exemptions under provincial or territorial law is given to a trustee who then sells it and distributes the resulting money among your creditors

Where to go for help so you donrsquot have to file for bankruptcy

httpwwwmnpdebtcaenpersonalfaq httpwwwbankruptcy-canadacaconsumer-proposals

httpwwwicgccaeicsitebsf-osbnsfenghome Bankruptcy Questions

httpwwwbankruptcycanadacomquestion1htm httpwwwbankruptcy-manitobacom

Repairing Credit after Bankruptcy

httpwwwbankruptcy-canadacacredit-repaircreditRepairhtm

bull Make sure that any RRSP loans are reported to your credit bureau

bull Too many credit cards are never a good idea bull If you ever go to a car dealership and test drive a car never

give them your license bull No one else can have access to the information in your

report unless you allow it bull Note Your credit score will affect your rate on all kind of

insurance (home life car etc) Credit Myths that Wonrsquot Die httpmoneymsncomcredit-rating7-nasty-credit-myths-that-

will-not-die-westonaspx

CREDIT TIPS

Contact Joelle Foster jfostercybfca 480-8481 wwwcybfca

CYBFMB

CYBF Manitoba

CYBF ndash Assisting in dreams

SEED Winnipeg is a non profit agency that fights poverty and helps to renew Winnipegrsquos inner city

We do this by helping people start small businesses and save for future goals

Program Areas

Business Development Services Micro-Enterprise Development Community Worker Ownership Program

Asset Building Programs Matched Saving Programs Standalone Money Management Training Building Blocks RESP program

Saving Money

Whatever your income the basic principles of saving money are the same

SEED works with people living on a low income In the right circumstances people save even when income is very low

Tips for saving money

Make sure your goal is SMART

Specific

Measurable

Attainable

Realistic

Timely

bull Set a goal

bull Think about whatrsquos important to you

bull what are your hopes and dreams

Goal Setting Resource

Canadian Foundation for Economic Education

wwwcfeeorg

Money and Youth workbook ndash PDFs are available to download

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

SEED Winnipeg is a non profit agency that fights poverty and helps to renew Winnipegrsquos inner city

We do this by helping people start small businesses and save for future goals

Program Areas

Business Development Services Micro-Enterprise Development Community Worker Ownership Program

Asset Building Programs Matched Saving Programs Standalone Money Management Training Building Blocks RESP program

Saving Money

Whatever your income the basic principles of saving money are the same

SEED works with people living on a low income In the right circumstances people save even when income is very low

Tips for saving money

Make sure your goal is SMART

Specific

Measurable

Attainable

Realistic

Timely

bull Set a goal

bull Think about whatrsquos important to you

bull what are your hopes and dreams

Goal Setting Resource

Canadian Foundation for Economic Education

wwwcfeeorg

Money and Youth workbook ndash PDFs are available to download

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Program Areas

Business Development Services Micro-Enterprise Development Community Worker Ownership Program

Asset Building Programs Matched Saving Programs Standalone Money Management Training Building Blocks RESP program

Saving Money

Whatever your income the basic principles of saving money are the same

SEED works with people living on a low income In the right circumstances people save even when income is very low

Tips for saving money

Make sure your goal is SMART

Specific

Measurable

Attainable

Realistic

Timely

bull Set a goal

bull Think about whatrsquos important to you

bull what are your hopes and dreams

Goal Setting Resource

Canadian Foundation for Economic Education

wwwcfeeorg

Money and Youth workbook ndash PDFs are available to download

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Saving Money

Whatever your income the basic principles of saving money are the same

SEED works with people living on a low income In the right circumstances people save even when income is very low

Tips for saving money

Make sure your goal is SMART

Specific

Measurable

Attainable

Realistic

Timely

bull Set a goal

bull Think about whatrsquos important to you

bull what are your hopes and dreams

Goal Setting Resource

Canadian Foundation for Economic Education

wwwcfeeorg

Money and Youth workbook ndash PDFs are available to download

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Tips for saving money

Make sure your goal is SMART

Specific

Measurable

Attainable

Realistic

Timely

bull Set a goal

bull Think about whatrsquos important to you

bull what are your hopes and dreams

Goal Setting Resource

Canadian Foundation for Economic Education

wwwcfeeorg

Money and Youth workbook ndash PDFs are available to download

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Goal Setting Resource

Canadian Foundation for Economic Education

wwwcfeeorg

Money and Youth workbook ndash PDFs are available to download

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Where does your money go

Keeping track of all the money coming in and out can help you find the ldquowiggle roomrdquo in your budget

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Are you spending your money on the things that are important to you

Keep your goals and values in mind as you record where your money is going

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Check out the Manitoba Securities Commissions website for

a great financial literacy tool

bull Imworthitca

bull Includes real stories from Manitoba women

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

How do you stay

focused on a goal

Pay yourself

first

What could you do to trim your budget

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Want to learn more about saving or investing

the Financial Consumer Agency of Canada has these publications you can order

wwwfcac-acfcgcca

Access government programs

bull Make sure you are applying for any government benefits that you are eligible for

httpwwwgovmbcafsassistancemcbhtml

Canada Learning Bond

FREE MONEY for childrenrsquos education

It can be worth up to $2000 for a childrsquos education in the future

o Children born in 2004 or later

o Families getting the child tax benefit

o Families income of $41544 or less

SEED offers free workshops

In Wpg - SEED can do money management workshops if you

bull work with people living on a low income

bull have a group of 8 or more

Outside of Wpg ndash SEED can share resources if you want to help families access the Canada Learning Bond

See our website for more info

wwwseedwinnipegca

• Cover Page13
• UNESCO definition of Literacy
• Literacy facts
• Plain Language Services and Training
• LEARN Line
• Online Resources
• Go To LEARN
• Literacy Partners of Manitoba
• Budgeting Resources
• Contact Information13
• Introduction
• Budgeting Resource Guides
• Budgeting Tools
• Budgeting Tools
• Budgeting Workshop
• Budgeting Teaching Tools
• Spend-o-meter What are you spending
• Online Budgeting Tools Manitoba START
• Online Budgeting Tools CIBC Student Budget Calculator
• Online Budgeting Tools
• Online Budgeting Tools
• Entrepreneurs with Disabilities Program
• Understanding Credit
• What is a credit report
• What is a credit score
• What factors influence your credit score
• What Does a Equifax Credit report look like
• What Does a Transunion Credit report look like
• How can you maintain a good credit history
• Building credit history how a credit card helps
• What if I find errors in my credit report
• How to Improve your credit score
• Factors that do not affect your score
• Bankruptcy
• Credit Tips
• Saving Money
• Goal Setting Resource
• Where does your money go
• Want to learn more about saving or investing
• Access government programs
• Canada Learning Bond
• SEED offers free workshops
• See our website for more info

Canada Learning Bond

FREE MONEY for childrenrsquos education

It can be worth up to $2000 for a childrsquos education in the future

o Children born in 2004 or later

o Families getting the child tax benefit

o Families income of $41544 or less

SEED offers free workshops

In Wpg - SEED can do money management workshops if you

bull work with people living on a low income

bull have a group of 8 or more

Outside of Wpg ndash SEED can share resources if you want to help families access the Canada Learning Bond

See our website for more info

wwwseedwinnipegca

• Cover Page13
• UNESCO definition of Literacy
• Literacy facts
• Plain Language Services and Training
• LEARN Line
• Online Resources
• Go To LEARN
• Literacy Partners of Manitoba
• Budgeting Resources
• Contact Information13
• Introduction
• Budgeting Resource Guides
• Budgeting Tools
• Budgeting Tools
• Budgeting Workshop
• Budgeting Teaching Tools
• Spend-o-meter What are you spending
• Online Budgeting Tools Manitoba START
• Online Budgeting Tools CIBC Student Budget Calculator
• Online Budgeting Tools
• Online Budgeting Tools
• Entrepreneurs with Disabilities Program
• Understanding Credit
• What is a credit report
• What is a credit score
• What factors influence your credit score
• What Does a Equifax Credit report look like
• What Does a Transunion Credit report look like
• How can you maintain a good credit history
• Building credit history how a credit card helps
• What if I find errors in my credit report
• How to Improve your credit score
• Factors that do not affect your score
• Bankruptcy
• Credit Tips
• Saving Money
• Goal Setting Resource
• Where does your money go
• Want to learn more about saving or investing
• Access government programs
• Canada Learning Bond
• SEED offers free workshops
• See our website for more info

SEED offers free workshops

In Wpg - SEED can do money management workshops if you

bull work with people living on a low income

bull have a group of 8 or more

Outside of Wpg ndash SEED can share resources if you want to help families access the Canada Learning Bond

See our website for more info

wwwseedwinnipegca

• Cover Page13
• UNESCO definition of Literacy
• Literacy facts
• Plain Language Services and Training
• LEARN Line
• Online Resources
• Go To LEARN
• Literacy Partners of Manitoba
• Budgeting Resources
• Contact Information13
• Introduction
• Budgeting Resource Guides
• Budgeting Tools
• Budgeting Tools
• Budgeting Workshop
• Budgeting Teaching Tools
• Spend-o-meter What are you spending
• Online Budgeting Tools Manitoba START
• Online Budgeting Tools CIBC Student Budget Calculator
• Online Budgeting Tools
• Online Budgeting Tools
• Entrepreneurs with Disabilities Program
• Understanding Credit
• What is a credit report
• What is a credit score
• What factors influence your credit score
• What Does a Equifax Credit report look like
• What Does a Transunion Credit report look like
• How can you maintain a good credit history
• Building credit history how a credit card helps
• What if I find errors in my credit report
• How to Improve your credit score
• Factors that do not affect your score
• Bankruptcy
• Credit Tips
• Saving Money
• Goal Setting Resource
• Where does your money go
• Want to learn more about saving or investing
• Access government programs
• Canada Learning Bond
• SEED offers free workshops
• See our website for more info

See our website for more info

wwwseedwinnipegca

• Cover Page13
• UNESCO definition of Literacy
• Literacy facts
• Plain Language Services and Training
• LEARN Line
• Online Resources
• Go To LEARN
• Literacy Partners of Manitoba
• Budgeting Resources
• Contact Information13
• Introduction
• Budgeting Resource Guides
• Budgeting Tools
• Budgeting Tools
• Budgeting Workshop
• Budgeting Teaching Tools
• Spend-o-meter What are you spending
• Online Budgeting Tools Manitoba START
• Online Budgeting Tools CIBC Student Budget Calculator
• Online Budgeting Tools
• Online Budgeting Tools
• Entrepreneurs with Disabilities Program
• Understanding Credit
• What is a credit report
• What is a credit score
• What factors influence your credit score
• What Does a Equifax Credit report look like
• What Does a Transunion Credit report look like
• How can you maintain a good credit history
• Building credit history how a credit card helps
• What if I find errors in my credit report
• How to Improve your credit score
• Factors that do not affect your score
• Bankruptcy
• Credit Tips
• Saving Money
• Goal Setting Resource
• Where does your money go
• Want to learn more about saving or investing
• Access government programs
• Canada Learning Bond
• SEED offers free workshops
• See our website for more info