This self-help guide, prepared by Consolidated Credit Counseling Services of Canada, offers tips for saving money by reducing energy consumption.
Most of the tips focus on heating and cooling a house, like turning the thermostat down at night or planting trees to shade the house.
The authors have also included a section of general tips for saving money and tracking expenditures.
Prepared by Consolidated Credit Counseling Services of Canada, this self-help guide is an introduction to savings and chequing accounts.
The authors use a chart to show how saving a small amount of regularly can add up to a large sum over time and describe different types of financial products for savings. They also discuss chequing accounts, electronic banking and smart cards.
This is one of a series of free publications on improving personal finances. It begins with an analysis of how Canadians spend their money and offers tips on monitoring individual spending to help establish a budget.
One section, entitled Money Rules to Live By, offers a quick guide to saving money, reducing debt and spending wisely. Other sections provide detailed tips for saving money on transportation, insurance, banking, food, appliances and utilities.
The publication also includes a section outlining the work of Consolidated Credit Counselling Services of Canada, author of the document.
Authors: Money Mentors
This document was developed by Money Mentors, a not-for-profit credit counselling and money management organization based in Alberta.
Using clear language and examples, the authors provide information on establishing a budget, tracking expenses, and using credit effectively. They have included worksheets to help with budgeting; information about agencies that can help those in need; and tips for reducing expenses.
More information about money management is available at http://www.moneymentors.ca.
This self-help guide, prepared by Consolidated Credit Counseling Services of Canada, looks at both the practical and emotional impacts of losing a job.
The authors discuss financial strategies, including investigating eligibility for benefits and keeping up with bill payments. They also discuss strategies for finding another job and provide tips for coping with the stress of being unemployed.
Prepared by Consolidated Credit Counseling Services of Canada, this booklet gives parents tips for helping their children develop sound skills for managing money.
The authors include information on allowances; teaching children about credit; encouraging children to earn their own money; and setting financial goals.
Prepared by Consolidated Credit Counseling Services of Canada, this self-help guide focuses on saving money on taxes.
The authors include information on maintaining records for tax time and explain what steps to take if it will be difficult to pay taxes that are owed. They also include information on eligible tax deductions that are often overlooked, like charitable donations, childcare costs and certain medical expenses.
Authors: Money Mentors
This fact sheet is one of a series prepared by Money Mentors, a non-profit credit counselling and money management organization based in Alberta.
The authors have included a variety of options for getting debt under control, including refinancing loans; consolidating debt; and negotiating with creditors. The authors also touch on some options, including the Orderly Payment of Debts (OPD) program, that are available in some but not all parts of Canada.
Series: Workbooks - HRSDC
The authors of this workbook have provided a variety of exercises to help apprenticeship candidates improve their numeracy skills and learn how those skills are used in the trades.
The workbook includes sections focusing on measurement and calculation; money math; scheduling, budgeting and accounting; and data analysis.
The authors have also included a chart that lists and defines math foundation skills, then provides examples of how each skill might be used in the workplace. For example, they explain that trigonometry is used to determine the size of an unknown side or angle of a triangle and, on a construction site, it might be used to calculate the angles for a circular staircase.
In each section, the authors present math exercises based on real-life situations. For instance, in the money math section, the exercises deal with topics like calculating the after-tax cost of an item or the cost of an item after a markup has been included. The section on measurement and calculation includes exercises on calculating how many studs a carpenter will need to frame the exterior walls of a building or how many tiles will be required to cover a specific floor area.
For more information on the Interprovincial Standards Red Seal Program, visit http://www.red-seal.ca.
In this self-help guide, prepared by Consolidated Credit Counseling Services of Canada, the authors offer tips on staying within a budget while enjoying a vacation.
They have included ideas for saving money on air travel, lodging, and rental cars, as well as suggestions to help save money in advance for a planned holiday.
The authors also include some more unusual ideas for saving money, like swapping homes or going on a “volunteer vacation.”