Dollars and Sense (Complete publication with bookmarks)

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1) Values, Money and the Big Picture Money is a very personal matter. For some people, it can be quite emotional as well. The choices you make about money are personal. These choices reflect your values. What is money? • Money helps you get the things you need and some of the things you want. • You spend money in a way that brings you satisfaction. • Find out how you spend your money by keeping track of your income and expenses. (The budget section has more information about this). Know yourself • What do you want your money to do for you? • How can money help you satisfy your needs and desires?
What are Values? Values are beliefs you have about the worth or importance of relationships, things or ideas. They are a part of what shapes who you are. Values shape the choices you make, including choices about money. A person’s values can change over time. Values are about a way of life. Goals are about doing and having stuff • I value friends • Being able to go out • I value security • Saving for security or education • I value my health • Eating healthy, exercising, etc. • I value being able • Traveling to reward myself • I value being able • Having a job and being to take care of myself able to pay bills, rent, etc. Things you value highly cannot always be bought, or measured with money. This does not make them less valuable. Consider your values Your spending values are the things which provide you with the most satisfaction when you spend money on them. Imagine you have $500. • Will you spend it to buy sports equipment, gadgets, books, etc.? • Will you put it in a savings account?
Page 1: Dollar$ and ense A guide for your m
Page 4 and 5: 6 Banking..........................
Page 8 and 9: 1 a) Values Worksheet Think about t
Page 10 and 11: 2 a) Financial Goal Worksheet Goal
Page 12: 10 3) How Much Do I Really Make?
Page 15 and 16: 3 b) Hidden Costs of a Job You work
Page 17 and 18: • If you use it for an emergency,
Page 19 and 20: 4 b) Staying Organized Budgeting ca
Page 21 and 22: Money going out… (cont’d) Cloth
Page 23 and 24: What do I need? • All your tax in
Page 25 and 26: • CRA tax clinics • Non-profit
Page 27 and 28: Checklist for opening account • O
Page 29 and 30: Benefits of Record keeping • You
Page 31 and 32: 6 d) Protect Your Money Debit Card
Page 33 and 34: • Ask questions. • Think first;
Page 35 and 36: Scotiabank (The Bank of Nova Scotia
Page 37 and 38: 7 b) Making your Money Grow Faster!
Page 39 and 40: • There are no fees to purchase.
Page 41 and 42: 8) Credit Buying with credit lets y
Page 43 and 44: 8 b) Applying for a Credit Card Sho
Page 45 and 46: Once you get your card… • Read
Page 47 and 48: Why do I need to check my history?
Page 49 and 50: 8 d) Credit Card Statement Each mon
Page 51 and 52: 8 e) How Much Can I Afford to Borro
Page 53 and 54: The true cost of paying the minimum
Page 55 and 56: • A free phone is not equal to go
Page 57 and 58:
• They will let you know how much
Page 59 and 60:
A voice response unit is available
Page 61 and 62:
9 c) Buying a Car 1. Know your goal
Page 63 and 64:
10) The Art of Complaining Effectiv
Page 65 and 66:
10 b) Complaint Letters • Type yo
Page 67 and 68:
11) Financial Trouble For the first
Page 69 and 70:
11 a) The Power of Advertising Ads
Page 71 and 72:
Cost of item $1000 Purchase date Fi
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• Make abusive calls in which the
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3. Bankruptcy This should be your l
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12 a) Save on Utilities • Reduce
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For example: You buy two bags of co
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Food warehouses • These are ‘no
Page 83 and 84:
12 d )Save on Entertainment Eating
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12 e) Saving on Housing • Get a r
Page 87 and 88:
Glossary Account passbook: A book w
Page 89 and 90:
Gross pay: Your pay before deductio
Page 91 and 92:
Resources Adbusters www.adbusters.o
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