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At some time in their lives, many people will face a number of major expenses or purchases. Three of the most common ones are: education and/or training, buying or leasing a car, and housing.
Another area of spending that is often a major one for youth is for a cell phone or hand-held device of some kind. Let’s take a closer look at each of these major purchases.
Download ModuleThis lesson can be used as a companion to Module 10 of Indigenous Peoples’ Money and Youth – Spending on Major Purchases.
This Teacher’s Guide contains relevant subjects and topics, background information, outcomes, implementation time, teaching and learning strategies, evaluation, modifications or suggestions for different learners, additional related links and possible activities.
Download Teacher's GuideThis Caregiver’s Guide can be used to support young people as they read Module 10 of Indigenous Peoples’ Money and Youth – Spending on Major Purchases.
This Caregiver’s Guide is designed to give you some of the tools and resources you need to effectively engage with and support young people who are working through the module. This guide includes an overview of why the module is important for young people, ways you can engage with them and fun activities related to the content, and links to additional background and resources.
Download Caregiver's Guide
Most Canadians will have to borrow money at some point in their lives. Borrowing money can help you in times of need or trouble. For example, it can help with large purchases (car, house, education, etc.) and manage your monthly cash flow (e.g. combining past debts into a consolidation loan). Managing your debt(s) effectively, setting your own debt limits for what you know you can afford, and maintaining a good credit rating are all skills that are important to helping you stay in control and not getting over-indebted or over-whelmed by debt.
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If you want or need to borrow money, you will have to make sure the possible lender is confident that you are able to pay back the loan. This is where your credit rating is very important. Understanding what a credit rating is, how to maintain a good rating, and how to avoid problems are all important to enabling you to be able to borrow money when you need or want to.
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