Free Articles and Resources
Your financial journey is unique, and improving your financial well-being is the key
Improving your financial health and well-being involves understanding your financial situation and taking small steps to bolster it over time, as you strive to achieve your goals.
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Explore Articles, Tools and Resources
Contact us if your organization would like to contribute an independent article or partner with the Institute to improve the financial well-being, financial health and financial resilience of your communities. We would love to hear from you and explore collaboration opportunities.
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial well-being, financial resilience or financial health.
Daily Financial Management
Managing your money in challenging times tips from the Government of Canada
Money-saving tools, websites and applications that can help when shopping from Innovation, Science and Economic Development Canada
Life events and managing your money information from the Government of Canada
- Start Prosper Canada’s “Maximize what is around you” module
- Start Prosper Canada’s “Minimize what is going out” module
- My money in Canada: Learn how to manage money successfully by developing healthy money management habits(module topics include: Financial wellness checklist, Financial system in Canada, Income and expenses, Money goals and savings, Credit and credit reports, Taxes).
Check out MoneySense Magazine, an online and free magazine with articles covering a range of personal finance and related topics, including insurance, retirement, real estate, saving and investing.
5 Ways to Manage your Personal Finances.
Read Coastal Community Credit Union’s article on “5 ways to spend less, save more and meet your financial goals” to know more about best practices for daily financial management which can translate small changes to long-term benefits.
Forbes: 7 Free Tools to Help you Manage Money like a pro Free apps for personal use to support with financial management.
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.
Debt Management Strategies
Read about ways to create a debt reduction strategy from Servus Credit Union
You can explore these resources from Innovation, Science and Economic Development Canada
Six Steps to Get Out of Debt: Do you find yourself frequently paying bills after their due dates? Do your cheques often bounce? Do you receive calls from collection agencies? These can all be warning signs that your debt is becoming unmanageable. The good news is that there are steps you can take to get your finances back on track.
Read about how to manage debt without sacrificing your financial goals with this article from Royal Bank of Canada (RBC) and its Money Matters site.
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.
Building Emergency Savings
- Read FCAC’s tips on setting up an emergency fund
- Read RBC Wealth Management’s tips for building an emergency fund
- Read Manulife’s article on why an emergency fund can be helpful and how much you may need
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.
Saving, Planning and Investing
If you still find yourself wondering “How can I start investing today?” , check out the following resources:
- Read Co-operators’ article: To understand what it is, when to start, how to invest and reach your personal financial goals, and more.
- Plan the best way forward with Co-operators “Plan ahead” resource center on specific topics such as RRSPs, TFSAs, mutual funds, and annuities.
Financial Planning is all about considering where you are now and building a clear picture of where you want to be (and by when). Read Coastal Community Credit Union’s tips on How to achieve your short- and long-term financial goals
Saving and investing can help you reach your financial goals. To figure out what savings and investments are right for you and how to reach these goals, follow Financial Consumer Agency of Canada’s (FCAC) tips.
Your rights when buying GICs, term deposits, registered products and PPNs from deposit-taking institutions and investment resources if you have a problem. Follow Financial Consumer Agency of Canada’s (FCAC) Savings and investments considerations to know your rights.
Sources of retirement income information from the Government of Canada
Understanding the Importance of Cash Flow from Money Coaches Canada
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.
Protection
Check out Co-operators’ Resource Center for protection information around life’s milestones
Read about ways to protect your financial well-being and avoid financial risks through protection with this article by Government of Canada
Read this Government of Canada article on how to secure your online financial transactions and get cyber safe
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.
Tools and Resources
Government of Canada’s Benefits Finder: Use this free tool to help find Benefits and Services that you may be eligible to receive, by answering a few short questions about your household’s current situation.
Financial Consumer Agency of Canada’s (FCAC) Budget Planner: The Budget Planner helps you create a customized budget in 3 simple steps. Gather information regarding your income and expenses and get started.
Tools from GetSmarterAboutMoney.ca: and Ontario Securities Commission (OSC)
1. RRSP Savings calculator: This simple calculator helps you estimate how much your registered retirement savings plan (RRSP) will be worth at retirement and how much income it will provide each year.
2. Cash flow calculator: Use this tool to estimate your positive or negative monthly cash flow.
3. Retirement Ready Quiz: Take this simple quiz to .get a sense of how prepared you are for retirement, and get access to additional resources to learn more.
Financial Goal Calculator: Provided by Financial Consumer Agency of Canada (FCAC), this tool is designed to help you manage your debt and savings goals.
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.
Focus on your financial wellness
Explore ‘Women’s Finances’ resources and information from National Bank of Canada with helpful information and videos around how to achieve financial independence, how to split expenses as a couple and more with curated content for women.
Explore Chartered Professional Accountants of Canadas (CPA Canada) Financial Literacy podcast: Mastering Money to boost your financial health through a blend of education and entertainment.
Explore ‘My Money Matters’, RBC’s resource bank of over 700 articles and resources pertaining to financial wellbeing and financial confidence, covering topics like debt and stress relief, cash flow management, business etc.
Check out their article on ’10 easy steps to help reduce financial stress’ to better manage your mental health during financially stressful times.
Use Financial Consumer Agency of Canada’s (FCAC) resources to find information on how to help improve your financial well-being. Topics include: budgeting and money management, protecting yourself, multimedia and interactive resources, financial wellness at work.
Access Chartered Professional Accountants Canada’s Financial Literacy Resources for a diverse bank of publications, webinars and worksheets to improve your financial wellness.
Use Prosper Canada’s ‘My Money in Canada’ module designed for low and modest income Canadians in particular. This includes a financial wellness checklist and provides modules around the financial system income and expenses, taxes and more.
Access information on how to choose, finance, maintain and improve the place you call home provided by the Government of Canada
Our non-profit organization gratefully recognizes the articles and links contributed by the organizations above, with there not being any endorsement of these organizations or articles.
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.