Financial Literacy 20, 30 | Saskatchewan Curriculum

Module 1: Why Money Matters (Core)

Module Code

FINL1

Level

Introductory

Suggested Time (hrs)

2-4

Prerequisite Module(s)

None

Explore the purposes of money.

Module 2: The Decision-Making Process (Core)

Module Code

FINL2

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Apply decision-making strategies to various personal and community financial scenarios.

Module 3: Goal-Setting (Core)

Module Code

FINL3

Level

Introductory

Suggested Time (hrs)

2-3

Prerequisite Module(s)

None

Develop personal goals using a variety of goal-setting models or approaches.

Module 4: Information Security (Core)

Module Code

FINL4

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Investigate methods for handling and storing personal and financial information securely.

Module 5: Net Worth (Core)

Module Code

FINL5

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Apply the concept of net worth to variousscenarios.

Module 6A: Budgeting - Budgeting Fundamentals (Core)

Module Code

FINL6A

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 2

Examine the principles of budgeting.

Module 6B: Budgeting - Designing and Analyzing Spending Plans (Optional)

Module Code

FINL6B

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 6A

Develop and analyze monthly and annual spending plans based on income and expense tracking.

Module 6C: Budgeting - Applying Personal Spending Plans (Optional)

Module Code

FINL6C

Level

Advanced

Suggested Time (hrs)

5-7

Prerequisite Module(s)

Module 5 and 6B

Create and evaluate a fictional or confidential personal spending plan.

Module 7A: Financial Institutions - Exploration (Core)

Module Code

FINL7A

Level

Introductory

Suggested Time (hrs)

2-6

Prerequisite Module(s)

None

Examine basic services typically provided by financial institutions for accessing and managing personal finances.

Module 7B: Financial Institutions - Personal Application and Function (Core)

Module Code

FINL7B

Level

Advanced

Suggested Time (hrs)

5-8

Prerequisite Module(s)

Module 7A

Assess factors that influence selection of a financial institution.

Module 8: Conducting and Monitoring Financial Transactions (Core)

Module Code

FINL8

Level

Introductory

Suggested Time (hrs)

2-3

Prerequisite Module(s)

Module 7A

Explore documents and processes used to conduct and monitor common financial transactions.

Module 9: Cheques (Optional)

Module Code

FINL9

Level

Intermediate

Suggested Time (hrs)

2-3

Prerequisite Module(s)

Module 7A

Explore the attributes and uses of cheques.

Module 10: Maintaining Financial Records (Optional)

Module Code

FINL10

Level

Intermediate

Suggested Time (hrs)

4-8

Prerequisite Module(s)

Module 8

Maintain accurate financial records.

Module 11: Pre-authorized Debits and Direct Deposits (Optional)

Module Code

FINL11

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 8

Examine the use of pre-authorized payments and direct deposits.

Module 12: Credible Financial Advice (Core)

Module Code

FINL12

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 7B

Assess how to find credible sources of financial advice.

Module 13: Non-Employment Sources of Income (Optional)

Module Code

FINL13

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Examine non-employment sources of income.

Module 14A: Taxes (Core)

Module Code

FINL14A

Level

Introductory

Suggested Time (hrs)

5-8

Prerequisite Module(s)

None

Investigate taxes paid by individuals in Saskatchewan.

Module 14B: Taxes and First Nations (Core)

Module Code

FINL14B

Level

Intermediate

Suggested Time (hrs)

2-3

Prerequisite Module(s)

Module 14A

Examine the relationship between taxation and First Nations people in Saskatchewan and Canada.

Module 14C: Personal Income Taxes (Core)

Module Code

FINL14C

Level

Intermediate

Suggested Time (hrs)

5-10

Prerequisite Module(s)

Module 14B

Investigate personal income tax.

Module 15A: Earning an Income (Core)

Module Code

FINL15A

Level

Introductory

Suggested Time (hrs)

1-2

Prerequisite Module(s)

None

Research different ways to earn an income.

Module 15B: Payment for Work (Core)

Module Code

FINL15B

Level

Intermediate

Suggested Time (hrs)

6-10

Prerequisite Module(s)

Module 15A

Assess the financial, ethical and legal implications associated with different methods of paying for work.

Module 15C: Pay Stub and Deductions (Core)

Module Code

FINL15C

Level

Intermediate

Suggested Time (hrs)

2-4

Prerequisite Module(s)

Module 15A

Examine the components of a pay stub.

Module 16: Transactions for Goods and Services (Optional)

Module Code

FINL16

Level

Intermediate

Suggested Time (hrs)

4-6

Prerequisite Module(s)

None

Analyze how transactions for goods and services occur.

Module 17A: Lifestyle and Career A (Optional)

Module Code

FINL17A

Level

Introductory

Suggested Time (hrs)

2-3

Prerequisite Module(s)

None

Explore career options to support one’s desired lifestyle goals.

Module 17B: Lifestyle and Career B (Optional)

Module Code

FINL17B

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 17A

Evaluate the viability of one’s chosen career to support one’s desired future lifestyle.

Module 18: Leaves from Work (Optional)

Module Code

FINL18

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Investigate leaves from work in Saskatchewan and their potential impact on finances.

Module 19: Retirement Planning (Optional)

Module Code

FINL19

Level

Intermediate

Suggested Time (hrs)

5-7

Prerequisite Module(s)

Module 6B and 15C

Assess the value of retirement planning as part of a personal financial plan.

Module 20: Interest (Core)

Module Code

FINL20

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Examine the concept of interest.

Module 21: Funding Post-secondary Education and Training (Core)

Module Code

FINL21

Level

Intermediate

Suggested Time (hrs)

5-7

Prerequisite Module(s)

Module 6A

Explore options for funding post-secondary education and training.

Module 22A: Types of Credit (Core)

Module Code

FINL22A

Level

Introductory

Suggested Time (hrs)

7-10

Prerequisite Module(s)

Module 4, 5 and 20

Investigate various types of credit and credit products available to individuals.

Module 22B: Credit Reports and Credit Scores (Core)

Module Code

FINL22B

Level

Intermediate

Suggested Time (hrs)

7-10

Prerequisite Module(s)

Module 22A

Investigate factors that influence one’s credit file.

Module 22C: History of Credit (Optional)

Module Code

FINL22C

Level

Advanced

Suggested Time (hrs)

7-10

Prerequisite Module(s)

Module 22A

Analyze the history of credit.

Module 22D: Obtaining and Maintaining Credit (Core)

Module Code

FINL22D

Level

Intermediate

Suggested Time (hrs)

7-10

Prerequisite Module(s)

Module 22A

Explore the process of obtaining credit including the role of down payments and credit calculations.

Module 22E: Attitudes towards Credit (Optional)

Module Code

FINL22E

Level

Introductory

Suggested Time (hrs)

5-8

Prerequisite Module(s)

None

Explore how various perspectives affect an individual’s attitudes towards credit.

Module 23: Types of Payment Cards (Optional)

Module Code

FINL23

Level

Introductory

Suggested Time (hrs)

2-4

Prerequisite Module(s)

Module 4

Investigate different types of payment cards.

Module 24: Contracts (Core)

Module Code

FINL24

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 4

Examine the components and legalities of financial contracts.

Module 25: Mortgage (Optional)

Module Code

FINL25

Level

Advanced

Suggested Time (hrs)

8-10

Prerequisite Module(s)

Module 22D and 24

Investigate the process of negotiating and obtaining a mortgage.

Module 26A: Handling Debt Problems A (Core)

Module Code

FINL26A

Level

Intermediate

Suggested Time (hrs)

4-7

Prerequisite Module(s)

Module 22D and 22E

Analyze the use and potential overuse of credit by individuals.

Module 26B: Handling Debt Problems B (Core)

Module Code

FINL26B

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 26A

Examine the processes of and alternatives to personal bankruptcy in Saskatchewan.

Module 27: Cell Phone Plans (Optional)

Module Code

FINL27

Level

Introductory

Suggested Time (hrs)

1-3

Prerequisite Module(s)

None

Examine various cell phone plans.

Module 28A: Buying, Renting, and Leasing (Core)

Module Code

FINL28A

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 24

Differentiate between buying, renting, and leasing.

Module 28B: Vehicles - Leasing vs. Buying (Core)

Module Code

FINL28B

Level

Advanced

Suggested Time (hrs)

5-7

Prerequisite Module(s)

Module 28A

Investigate the processes for buying and leasing a vehicle.

Module 28C: Housing - Renting (Core)

Module Code

FINL28C

Level

Intermediate

Suggested Time (hrs)

3-4

Prerequisite Module(s)

Module 28A

Assess factors involved in renting a home.

Module 28D: Housing - Purchasing a Home (Optional)

Module Code

FINL28D

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 28A

Assess factors involved in purchasing a home.

Module 29A: Saving (Core)

Module Code

FINL29A

Level

Introductory

Suggested Time (hrs)

1-3

Prerequisite Module(s)

None

Examine the principles of saving money.

Module 29B: Saving and Investing (Core)

Module Code

FINL29B

Level

Introductory

Suggested Time (hrs)

1-2

Prerequisite Module(s)

Module 20 and 29A

Differentiate between saving and investing.

Module 29C: Criteria to Consider When Investing (Optional)

Module Code

FINL29C

Level

Intermediate

Suggested Time (hrs)

1-2

Prerequisite Module(s)

Module 29B

Explore investment criteria.

Module 29D: Stock Markets and Investment Options (Optional)

Module Code

FINL29D

Level

Intermediate

Suggested Time (hrs)

5-10

Prerequisite Module(s)

Modules 4 and 29B

Investigate stock markets and investment options.

Module 29E: Investment Vehicles (Optional)

Module Code

FINL29E

Level

Intermediate

Suggested Time (hrs)

2-4

Prerequisite Module(s)

Module 29D

Compare various investment vehicles.

Module 29F: Ethical and Socially Responsible Investing (Optional)

Module Code

FINL29F

Level

Advanced

Suggested Time (hrs)

2-3

Prerequisite Module(s)

Module 29D

Research ethical and socially responsible investment opportunities.

Module 29G: Investment Portfolio (Optional)

Module Code

FINL29G

Level

Advanced

Suggested Time (hrs)

10-15

Prerequisite Module(s)

Modules 5 and 29A

Construct an investment portfolio that includes short-, medium- and long-term investment goals.

Module 30A: Insurance - Principles of Insurance (Optional)

Module Code

FINL30A

Level

Introductory

Suggested Time (hrs)

2-3

Prerequisite Module(s)

Module 4

Explore the importance of protection against potential financial loss.

Module 30B: Insurance - Application of Insurance Policies (Optional)

Module Code

FINL30B

Level

Advanced

Suggested Time (hrs)

2-3

Prerequisite Module(s)

Module 30A

Examine the processes for purchasing insurance policies and for filing insurance claims.

Module 31A: Charitable Giving (Optional)

Module Code

FINL31A

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Explore giving to registered charities, non-profit organizations and worthy causes as part of one’s financial plan.

Module 31B: Investing in Registered Charities, Non-Profit Organizations and Worthy Causes (Optional)

Module Code

FINL31B

Level

Intermediate

Suggested Time (hrs)

2-5

Prerequisite Module(s)

Module 31A

Examine the work of registered charities, non-profit organizations and worthy causes.

Module 31C: Charitable Fundraising Project (Optional)

Module Code

FINL31C

Level

Advanced

Suggested Time (hrs)

10-15

Prerequisite Module(s)

Module 31B

Collaborate to plan and implement a fundraising project in one’s community or school.

Module 32: Micro-Economics (Optional)

Module Code

FINL32

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Explore economic factors that impact personal or community financial decisions.

Module 33: Macro-Economics (Optional)

Module Code

FINL33

Level

Advanced

Suggested Time (hrs)

2-4

Prerequisite Module(s)

None

Examine the impact of investing on the local, provincial and national economies.

Module 34: Frauds, Phishing and Scams (Core)

Module Code

FINL34

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

Module 4

Explore the financial risks associated with frauds, phishing and scams.

Module 35: Foreign Exchange (Optional)

Module Code

FINL35

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Investigate foreign exchange.

Module 36: Career Opportunities in the Financial Industry (Core)

Module Code

FINL36

Level

Introductory

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Investigate career opportunities in the financial industry in Saskatchewan and Canada.

Module 80A: Work Study Preparation (Optional)

Module Code

FINL80A

Level

Intermediate

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Prepare for the work placement.

Module 80B: Work Study Preparation (Optional)

Module Code

FINL80B

Level

Advanced

Suggested Time (hrs)

3-5

Prerequisite Module(s)

None

Prepare for the work placement.

Module 81A: Work Study Placement (Optional)

Module Code

FINL81A

Level

Intermediate

Suggested Time (hrs)

25-50

Prerequisite Module(s)

Module 80A, B

Participate in a work placement experience.

Module 81B: Work Study Placement (Optional)

Module Code

FINL81B

Level

Advanced

Suggested Time (hrs)

25-50

Prerequisite Module(s)

Module 80A, B

Participate in a work placement experience.

Module 82A: Work Study Follow-up (Optional)

Module Code

FINL82A

Level

Intermediate

Suggested Time (hrs)

2-4

Prerequisite Module(s)

Module 81A, B

Relate one’s work placement experience to personal and career goals.

Module 82B: Work Study Follow-up (Optional)

Module Code

FINL82B

Level

Intermediate

Suggested Time (hrs)

2-4

Prerequisite Module(s)

Module 81A, B

Relate one’s work placement experience to personal and career goals.

Module 99A: Extended Study (Optional)

Focus

A

Module Code

FINL99A

Level

Introductory, Intermediate, Advanced

Suggested Time (hrs)

10-25

Prerequisite Module(s)

None

Module 99B: Extended Study (Optional)

Focus

A

Module Code

FINL99B

Level

Introductory, Intermediate, Advanced

Suggested Time (hrs)

10-25

Prerequisite Module(s)

None

Course Configurations