Welcome to LEARN's Financial Education resources.  Browse sections below for links to key resources on LEARN, and for links to other resource sites, media selections, and finally to browse the Quebec programs.

RECITUS edufin chapters

Browse these featured resource packages provided by the RÉCIT de l'univers social:

1- Introduction to financial education Student Booklet

2- Establish your personal budget Student Booklet

3- Rights & responsibilities of consumers & traders   Student Booklet

4- Make informed consumer choices Student Booklet     

5- Continue my studies or enter the labour market?   Student Booklet

6- How to finance my studies.  Student Booklets:  (Fictional situation)   (Real situation)

7-  Balancing school and work   Student Booklet

8 - Rights and responsibilities of workers  Student Booklet

9 - Entering the workforce   Student Booklet

10 - Paying taxes  Student Booklet

11 - What Type of Credit to Choose?   Student Booklet

12 - Why you should save and how  Student Booklet      

13 - Advertising and Consumers (3 periods) Student Booklet 

Teachers Note:  
If you are logged in as a teacher to LEARN, you should see the accompanying GUIDES & GOOGLE SLIDESHOWS below.  If you cannot see them, please contact
Paul R @ LEARN for direct access.

TEACHERS ONLY: The teacher section will be visible just below, when logged into LEARN as a teacher!

Web Events (archives)

Brian Smith of on their resources, events and school visits

An archived Web Event session given by Brian Smith of the Canadian Foundation for Economic Education to teachers and consultants in September 2017.  In this presentation, Brian describes his and CFEE's role and resources offered via their website, his visits to schools, and in terms of online and print materials.

Many of the resources that Brian mentions in the presentation have been tagged below in General Resources and to the various Financial Issues sections of the program.


Media choices and Video Collections

New Videos from the AMF (Autorité des marchés financiers)
When to start saving
A Budget: The Smart Tool for Your Projects!
RRSPs and TFSAs: What are they used for?
View all their videos via their Youtube playlist too!

Learning About Money Doesn’t Have To Be Boring! from the CFEE
A series of short vignettes produced for CFEE by Just For Laughs Gags focusing on money and highlighting money challenges, along with supporting tips and teaching materials. Go to site

School Caisse
The new Desjardins School Caisse site at also has video collections for children on "payment methods, money circulation, advertisement, and more" Go to site

FLOcabulary Another collection of Financial Education videos.
Go to site

Susan Daley's "Your Money, Your Choices" series on Youtube
Go to site



CFEE has come up with a new resource that I know the teachers will find very helpful for their students. The site has valuable information and videos for teachers and students.It can be used for all high school students​ and is available in French and English.


Bank of Canada Museum.  
School programs and Lessons Plans galore!  Browse and access sections on inflation, money, bank notes, trading rules and other fun activities for students at a variety of ages.  Go to site 

AMF (Autorité des marchés financiers)
Buying a house? Planning for retirement? Every stage of life comes with its share of new financial questions for you to consider. To help you make sense of it all, the AMF offers tools on a wide range of subjects, including insurance, investing and financial fraud. 

Money and Youth (CFEE)
This resource is produced by the Canadian Foundation for Economic Education. There is a free ebook for students on a variety of financial topics as well as a Teacher guide with lesson plans to support the use of the ebook.

Note also that the Canadian Foundation for Economic Education offers Free Educational Resources to help bring Financial Literacy into the Classroom. Brian Smith the Vice-President  of CFEE is available to animate FREE Online Financial Literacy Workshops for students and provide FREE Online Training for teachers and educators.  For more information please contact Brian Smith at or call (514) 817-3941.​

Practical Money Skills
Practical Money Skills is a free financial literacy program to help Canadians understand the fundamentals of money management. Created by Visa, the program offers money management resources including calculators, games, and lesson plans tailored for use by Canadian families and educators.

Making Good Choices
Making Good Choices Financial Literacy Series is a resource funded by the Ontario Ministry of Education. There are booklets on various financial topics that are written for English Language Learners who are emerging readers.

Next Gen Personal Finance
Next Gen Personal Finance is a non-profit American organization that aims to connect educators with free resources and equip students with the knowledge and skills to lead financially successful and fulfilling lives. There are a variety of units on various financial topics – each with links to lesson plans, videos and supporting activities.

The City – the Financial Consumer Agency of Canada
The City is a learning program developed by the Financial Consumer Agency of Canada. It teaches young people skills that they can carry throughout their lives. You must register to create a free teacher account or student accounts.

Your Financial Toolkit – The Government of Canada
Comprehensive learning modules that provides basic information and tools to learn about personal finances.

Choices and Decisions - VISA
This program is designed to teach young people how to set long and short-term personal and financial goals; create and work with a personal budget; identify how and when to use credit; save and invest, understand the basics of banking services and develop character and confidence. The materials can easily be adapted for use in a wide variety of instructional settings including high schools.

Financial Issue: Consuming Goods and Services

"Consumption refers to the way a person or a community uses a good or service... and consuming goods involves choices!"  These resources will help you and your students consider economic factors and social factors that affect decision-making in our society.


Learning Activities

New from Bank of Canada: PRICE CHECK: INFLATION IN CANADA:  what it is, what it means and how it’s measured? Go to site  

Consuming Goods and Services (Office de la protection du consommateur)
The teacher leads a discussion with the class on goods and services consumption. In small groups, students analyze their most recent purchases.

Issues Associated with My Consumption (Office de la protection du consommateur)
Students learn more about and reflect on various consumer topics of interest to young people through research on credible websites, then present the information they find to other students.

New:  Which Tablet Should I Buy? (Office de la protection du consommateur)
Students will carry out every step of a purchasing process to buy an electronic tablet.

Money and Youth – eBook and Teachers Guide  Go to site
Teacher’s Guide: Chapter 2: Your Goals and your values. Lesson 2–Peer Pressure
Teacher’s Guide: Chapter 4: Decision Making.
Teacher's Guide: Chapter 9: Taking Control of your money

Making Decisions (Practical Money Skills – Visa)
Consumer Awareness (Practical Money Skills – Visa)
Living on Your Own (Practical Money Skills – Visa)

Unit Plan: Budgeting (Next Gen Personal Finance)

Teacher and Student Guides on Consumption Taxes
Revenue Quebec site at bottom of page Go to site  

Suggested Reading
Top Five: Car expenses (Éducaloi)
Consumer Making the Right Move topics 

Daniel Goldstein: The battle between your present and future self  (Ted Talk)
Suze Orman: Can I Afford It? (CNBC)

Rights and Responsibilities

Learning Activities

New:  Consumer Rights and Responsibilities (Office de la protection du consommateur)
Students are informed about consumer rights and responsibilities as well as how to negotiate with merchants. They learn how to draft a formal notice (also referred to as a formal demand or a demand letter) based on a scenario.

New:  Demand the Right Price! (Office de la protection du consommateur)
Using a checklist and various information tools, students answer an online questionnaire on pricing accuracy and how prices are indicated in stores.

New:  Test Your Knowledge of Warranties (Office de la protection du consommateur)
Using various information tools, the students answer an online questionnaire on warranties and how to enforce them.

Consumer Rights – Teacher Guide (Éducaloi)
Consumer Rights – Student Booklet (Éducaloi)

Suggested Reading

Warranties on electronic devices (Office de la protection du consommateur)
Knowing about the Price Accuracy Policy (Office de la protection du consommateur)
Régie du logement (Régie du logement website)
Before signing a lease (Éducaloi)
Sharing an apartment (Éducaloi)
Solutions for apartment problems (Éducaloi)
The Régie du logement (Éducaloi)

Shopping in Canada - A Consumer Guide for Newcomers (
Complaint Roadmap (

Consumer Credit

Learning Activities

New:  What Affects My Credit History? (Office de la protection du consommateur)
A range of scenarios will be presented to students, who must explain how their credit history will be tarnished and what they must do to correct the situation or maintain their credit rating.

Money and Youth – eBook and Teachers Guide  Go to site
Teacher’s Guide:  Chapter 1: Your Money Decisions: Who’s In Control?
Teacher's Guide:  Chapter 11/12: Borrowing Money/Credit
Teacher's Guide:  Chapter 12: Getting and Managing Credit

Banking Services (Practical Money Skills – Visa)

Unit Plan: Types of Credit (Next Generation Personal Finance)
Unit Plan: Managing Credit (Next Generation Personal Finance)

Credit card payment calculator (Financial Consumer Agency of Canada)
Credit card selector tool (Financial Consumer Agency of Canada)
Learning More About Credit Cards (

Credit card debt explained

Role of Advertising

Learning Activities

An Ad of My Own (Office de la protection du consommateur)
Students are made aware of how advertising affects us and exercise critical thinking in analyzing the content of advertisements, or ads, and advertising strategies. They go on to develop their own ad campaign.

Money and Youth – eBook and Teachers Guide  Go to site
Teacher’s Guide:  Chapter 2: Your Goals and your values. Lesson 3–Envy and Advertising 

The influence of advertising (Practical Money Skills – Visa)

Suggested Reading
Advertising Aimed at Youth (Éducaloi)


Personal Savings

These are short and fun videos that will help teachers and students discuss the concepts of savings, budgets, RRSPs and TFSAs with their secondary five clientele!

When to start saving 
A Budget: The Smart Tool for Your Projects! 
RRSPs and TFSAs: What are they used for? 

Or view all their videos via their Youtube playlist here 

Learning Activities

Help your kids learn about saving money with this fun piggy bank craft. Go to site

Money and Youth – eBook and Teachers Guide  Go to site
Teacher’s Guide:  Chapter 1: Your Money Decisions: Who’s In Control?

Cash calculator

Suggested Reading
Pensions and retirement (Financial Consumer Agency of Canada)

How Much Should I save?
Don’t Eat the Marshmallow (TED Talk)

Financial Issue: Entering the workforce

"Entry into the workforce is a transitional period when a number of factors with a financial impact come into play, thereby creating a financial issue."  Students consider trades and professions, salaries they might make, working during school, etc.  To take a position on the financial issue of Entering the workforce students will assessthe situation, examine options and choose one over the other.  They will also learn about the rights and responsibilities of workers.

Note: many resources are also embeded in RECITUS Edufin packages above!  
(Special thanks to Kesi W. CQSB, Stephanie M. LBPSB, and Brian S. for suggesting resources)

Work-related Rules

Suggested Reading
Young Workers Zone
Your Rights at Work (Éducaloi)
Labour Standards: Rules for the Workplace (Éducaloi)

Worksafe BC 


Learning Activities
Money and Youth – eBook and Teachers Guide  Go to site
Teacher's Guide: Chapter 9: Taking Control of your money

Suggested Reading
Starting your first job (Government of Canada)

Income Tax

Learning Activities 
Teacher and Student Guides: Income Tax Return (by Revenue Quebec) 
Teacher and Student Guides: History and Basics of Québec Income Taxes and Consumption Taxes (by Revenue Quebec)
Visit their site to scan sections at the bottom of page Go to site  

Suggested Reading
Personal Income Tax (Government of Canada)

Employment Insurance

Suggested Reading
Employment Insurance (Government of Canada)

Striking a Balance Between School and Work

Suggested Reading
Juggling work and school (Éducaloi)
Work-life Balance: Make it your business (Canadian Mental Health Association)
Article: More students balance school with jobs (Macleans)

Tax Evasion

Learning Activities
Teacher Guide: Tax Evasion (Revenu Québec)
Student Booklet: Tax Evasion Revenu Québec)

Suggested Reading
Tax evasion (Revenu Quebec)


Financial Issue: Pursuing an education

"Pursuing an education may involve postsecondary studies as well as vocational or on-the-job training. ...[but] an education entails a cost involving a set of new expenses to be financed."  This section helps to work through the various financial options available, preparing students to take positions on the issues and make the right choices for their future.

Note: many resources are also embeded in RECITUS Edufin packages above!  
(Special thanks to Kesi W. CQSB, Stephanie M. LBPSB, and Brian S. for suggesting resources)

Job Opportunities

Learning Activities
Career basics (Next Gen Personal Finance)

Suggested Reading
Organize your job search (Emploi Québec)

Scott Dinsmore: How to find and do work you love? (Ted Talk)

Education-Related Costs

Learning Activities
Money and Youth – eBook and Teachers Guide  Go to site
Teacher's Guide: Chapter 9: Taking Control of your money

Student Loans – Financing Your Education (Practical Money Skills)

Suggested Reading
Student financial assistance (Government of Canada)
Education funding (Government of Canada)

Aide financière aux études (Government of Quebec)

Financing Secondary-Level Vocational Training & Postsecondary Education

Suggested Reading
Brochure on the Quebec Loans and Bursaries Program (Aide Financière aux Études)
Act respecting financial assistance for education expenses (Publications Quebec)

MEQ (Previously MEES) Program Documents - Secondary

Below you will find various Ministry of Education program and evaluation documents for the Secondary Social Sciences domain.  (Contact Paul R. if you find broken links!)

Quebec Secondary Programs in Social Sciences
The QEP program documents describe course aims, competencies to develop, and course content.

Cycle 1 History and Citizenship Education  Download

Cycle 1 Geography Program Go to site    Download

Cycle 2 History of Quebec and Canada Sec. 3 & 4 program Download

Cycle 2 History of the 20th Century    Download

Cycle 2 Cultural Geography Download

Cycle 2 Financial Education Program Download

Cycle 2 Contemporary World  Go to site   (Or view PDFs for Four credits  Two credits

Note that the Ministry (MEES) Programs of Study page, where you will find these "General Education" Secondary School Programs and older programs too, is now online here:  Go to site  


Progression/Precision of Learning documents

Cycle 1 History & Citizenship   Go to site

Cycle 1 Geography  Go to site 

Cycle 2 Contemporary world  Go to site   (Or view PDF's for Four credits or Two credits)

History of Quebec & Canada.   (See instead "knowledge" within the program Download)

Evaluation Frameworks

Below are links to the individual evaluation frameworks.  You can also visit the main MEES site and browse by subject to review them  Go to site

Cycle 1 and 2 - History & Citizenship Education  Download

Cycle 2 (New) History of Québec and Canada program  Download

(Older) History & Citizenship Education framework  Download

Cycle 1 Geography framework  Go to site   (Or Download

Contemporary World online version Go to site   (Or Download

Financial Education  Go to site   (Or Download


BAMD:  MEES approved books site
Bureau d'approbation du matériel didactique

Go to site


MEES sample "Document files" from training sessions

1608 and 1760 - Document File: Cities in Canada

1840-1896 - Document File: Socio-cultural expression  

1896 to 1945 - Document File: Education and technical training

1896-present - Document File: Challenging capitalism

1945-present - Document file: Language issue

1980-present - Document File: Information Era

Origins to present - Document File: Inuit nation  




Paul Rombough

My dossiers at LEARN include:

Social Sciences
Ethics and Religious Culture
Physical Education and Health
Sex Education

You can contact me at


Twitter accounts worth following

Paul Rombough @paulrombo

Some of the board consultants:
Matt Russell @historyrussell 
Craig Bullett  @RECIT4ESSB 
Dan Hedges @dhedgegrove
Joan Zachariou @SSLBPSB

RÉCIT de l'univers social @recitus