Financial Literacy Month: Resource Guide

November is Financial Literacy Month, and it is time to TALK MONEY! This is a great opportunity to build knowledge and habits that support lifelong financial health. From making informed decisions about spending, saving and credit to managing financial stress, small steps can make a meaningful difference. In this guide we’ll be sharing helpful resources for the young people in our loves to start their planning early, as well as some ideas for the rest of us!

FOR OUR YOUTH

JA South Western Ontario has Quick Inspirations – free, short online modules to boost real-world skills, including many to support financial health:



FOR THEIR EDUCATORS

JA supports teachers with ready-to-go financial health programs that empower youth to build skills for success:

  • More Than Money – Grade 4 – Teaches earning, spending, sharing, and saving to build strong money skills to set students up for lifelong stability..
  • Dollars With Sense – Grade 7 – Equips students with money management skills to make smart choices, avoid debt, and start building financial confidence they can use right away.
  • Economics for Success – Grade 8 – Gives students the opportunity to see the value of education, build a budget, and explore skills for todayโ€™s workforce, linking school to future goals and success.
  • JA Investment Strategies – Grades 9-12 – Provides resources on key investment concepts and a 6-week online simulation using live data to apply skills in real-world scenarios.
  • Personal Finance – Grades 9-12 – Students learn the importance of budgeting, saving, making informed credit choices, and protecting themselves from financial risks.

Note: Most of the Quick Inspirations above also include a teacher guide if you wish to use them with your class.


FOR THE REST OF US

No matter our age, it’s never a bad idea to check in on our financial habits and try out new approaches to budgeting, saving, and getting through life stresses. Here are some articles, resources, and tips we’ve gathered to help!

Everyday spending and saving

Financial Literacy Month 2026 โ€” Finnomia
Explore Finnomiaโ€™s free, 30-day Financial Literacy Month series, featuring daily lessons on everyday money management, investing, economic trends and long-term financial planning. 

Financial Literacy Month calendar of events – Canada.ca
Find events, activities, webinars, workshops, information sessions, and other learning opportunities that support Financial Literacy Month. 

On the Brink: Ontario woman mastering the art of coupons to fight inflation | Globalnews.ca
Find ideas for reducing grocery costs through coupons, shopping flyers and smarter purchasing choices.

Resources to help improve your financial well-being – Canada.ca
Find practical information on managing expenses, building savings and making informed financial decisions.

A Step by Step Guide to Refresh Your Finances – Toronto Today
Find ways to review your financial habits, reassess priorities and make more intentional decisions about your money.

Understanding credit and debt

โ€˜Buy now, pay laterโ€™ services are getting popular. Can you manage the risk? – National | Globalnews.ca
Understand the potential risks of buy-now-pay-later services and how multiple small payments can add up.

Why young people keep getting caught in debt traps and how to break the cycle – Toronto City News
Explore some of the financial pressures facing young adults and the challenges of managing debt.

4 in 10 Canadians used credit cards more last year than in 2024: report – National | Globalnews.ca
Learn about trends in credit card use and why managing balances and repayment matters.

Six Steps to Get Out of Debt – Office of Consumer Affairs
Follow practical steps to assess your debt, plan repayments and find reputable help when needed.

Making Informed Financial Decisions and Avoiding Scams

6 phishing scams targeting young Canadians (and how not to fall for them) – MoneySense
Learn to recognize common online scams targeting young people and identify warning signs before sharing personal information.

Financial fraud in Canada: What to do if your bank account or credit card is compromised – MoneySense
Learn what steps to take if you experience financial fraud, from contacting your bank and reporting unauthorized transactions to protecting your credit and understanding your options for resolving the issue.

Checking your credit report for errors and fraud – Canada.ca
Learn how to check your credit report for errors or unfamiliar accounts and what to do if you suspect fraud or identity theft.

Managing financial Stress

How to deal with your finances when the economy is stressing you out – MoneySense
Explore practical ways to manage money worries and make financial decisions during periods of economic uncertainty.

Understanding and overcoming financial stress – Desjardins
Learn how financial stress affects your mental well-being and discover practical ways to manage anxiety, reduce shame and cope with money worries 

‘Winging it is not a plan’: How to shore up your finances in uncertain times- Toronto City News
Find practical steps for preparing for unexpected expenses and building greater financial stability.

Financial stress and its impacts – Canada.ca
Understand how financial stress can affect your well-being and explore ways to cope with money-related pressure.


Financial health looks different for everyone, and thereโ€™s no one-size-fits-all approach. Whether youโ€™re helping a young person build good money habits, looking for ways to feel more confident about your own finances, or simply taking a moment to learn something new, we hope these resources give you a helpful place to start. At JA Southwestern Ontario, weโ€™re committed to helping young people build the knowledge and skills they need to make informed financial decisions and create brighter futures.