Take charge of your spending

Most of us could use a little more help managing our money. Before you take the next step, first consider what would help you the most right now. This could be managing your cash flow, managing your expenses, or putting together a spending plan. Or, you might want to save for emergencies.

The resources below will help you take steps to do all of these things. We recommend taking them one section at a time. Give yourself time to see the progress you make, and decide the next step that is right for you.

Some worksheet resources in this toolkit are available as fillable PDFs. Download and save the PDF to your computer and fill in your information. Please open with Adobe Acrobat Reader for full functionality.

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Before you go somewhere new, it’s always helpful to know where you’re starting from. These resources will help you examine your relationship with money, which can help you later on as you decide on your spending priorities and what to save for.

Did you know there’s more than one way to make a budget? In fact, if the word ‘budget’ doesn’t feel right, you can call it a ‘spending plan’ or a ‘money guide’, or another word that fits for you. Use the resources in this section to learn how to make a budget and ways to track your expenses.

Saving is an important part of financial well-being. Saving money helps you manage short-term needs such as day-to-day spending. It protects you and your family during emergencies. It is the key to reaching your future hopes and dreams. These worksheets will help you think through your savings goals and create a plan for achieving them.

Once you have built a savings habit, you may be ready to think about longer term goals. You may also want to use some of the financial savings tools available to save for specific life goals. The tips sheets in this section will help you learn about these accounts and build a savings goal.

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Learn about tax filing and benefits

Plan for your tax refund, learn about income benefits, and more.

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Start tackling your debt today

Reduce your stress by making a debt action plan and finding support.

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My Money in Canada

My money in Canada provides important information about Canada’s financial system and promotes positive money management habits to support you to succeed financially.

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