Financial Literacy 20, 30

(a)	Discuss the relationship between one’s credit history and current and future access to credit.
(b)	Discuss reasons why debts may be considered as “good” or “bad.”
(c)	Research the indebtedness of Canadians including the current debt to income ratio in Saskatchewan and other parts of the country.
(d)	Discuss reasons why the debt to income ratio might vary from one area of the country to another.
(e)	Discuss the potential impact of carrying too much debt on self and others.
(f)	Research the relationship between financial well-being and physical, emotional and mental health and well-being.
(g)	Investigate ways to manage one’s debt including consolidation of loans.
(h)	Investigate conditions necessary for debt to be sent to debt collection and how this might affect one’s future access to credit.
(i)	Research protection provided to debtors by the Saskatchewan Limitations Act, 2004.
(j)	Research where (e.g., Consumer Protection Division of the Financial and Consumer Affairs Authority) Saskatchewan consumers can get help when a collection agency or lender is perceived to have acted unfairly or illegally.