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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.
The lender will be interested in your “credit worthiness” – (your ability to take on, carry, and pay back debt) and consider the “3 Cs” – your capital, character, and capacity as well as your “credit rating.”
Download ModuleThis lesson can be used as a companion for Module 12 of Indigenous Peoples’ Money and Youth – Getting and Managing Credit.
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 12 of Indigenous Peoples’ Money and Youth – Getting and Managing Credit.
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.
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When it comes to saving and investing, there is no “chicken and egg” dilemma. You don’t have to wonder which comes first. You can’t invest if you don’t have savings. Once you have savings, you can make decisions about how to invest them. Saving can be a challenge for some – but there are many ways to save, even small amounts that can add up. Deciding to save, if you can, is step one.
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Nothing is more frustrating than working very hard to achieve something and then losing it. The same is true in the world of money. Part of good financial planning is to plan for things that may go wrong – and to protect the things you care about most. This includes the relationships in your life and your family members. And it can include the material things – a home, cottage, car, boat, etc.
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