Money Matters

The Money Matters: Financial Literacy Program, June 2011 – 2013, developed a number of resources to help people to manage their personal finances and make the most of their money. These resources are available for free download below.

Antigonish Women’s Resource Centre Support Workers are available to help you work through financial issues as well as a wide range of other concerns you may have.

The Money Matters Money Guide and the Money Matters At Your Fingertips Resources were created as part of the Money Matters Financial Literacy Program (downloads below).

The Money Guide provides clear, simple information about managing your money. It has information about banking, budgeting, credit, debt, making the most of your money, and advocating for yourself and others (downloads below).

The Resource Booklet provides a listing (by category, and alphabetical) of the resources available federally (in Canada), provincially (in Nova Scotia) and locally (in Antigonish, Guysborough, Inverness and Richmond Counties) to help
people improve their financial well-being.

Regular Viewing Format:

Booklet Printing Format:

You are welcome to print the above booklets freely. We ask only this: If you print more than two copies of either booklet: please let us know, using the email link below, who you are and how many copies you have used. We can then use this information for funding applications to revise the booklet.

If you are accessing the booklet and would like to provide feedback, please let us know if it has been helpful to you, and what we could do to make it better.

Email link: Antigonish Women's Centre

Budget Sheet

The first budget sheet is interactive. You can download a copy onto your computer, put in your numbers, and it will do the math for you.

The print version is a better choice if you prefer to print your budget sheet off and use a pencil (have your eraser handy!)

Why learn about managing money?

It’s hard to think about and talk about money when you have very little of it. But when you are working a low-income job, or when you are on a fixed income, that is when you most need to have a plan to get by.

If you are making a comfortable income: learn ways of making every penny count, and of making your money grow.

You work hard for your money!

Do you have so much debt that it seems your money situation can only get worse and worse? There is a way out of your situation!

To find the way out:

Information for Parents: Did you know?

  • Parents of children born 2004 and later, and who get Family Allowance: did you know that there is up to $2000 in government grants set aside for your child’s education after high school? To learn more about the Canada Learning Bond, visit http://www.canlearn.ca/eng/saving/clb/index.shtml
  • Did you know that if you are eligible for the Canada Learning Bond, it is FREE to open a Registered Education Savings Plan (RESP) at a bank or credit union?
  • All parents: did you know that no matter what your income, the government will match what you save in a Registered Education Savings Plan (RESP) by 20% (Up to $7,200) through the Canada Education Savings Grant (CESG)?
  • Families making $85,414 or less: did you know that the government will match what you save in an RESP by 30%? And that if your family makes $42,707 or less the government will match what you save by 40%? (Income figures for 2012)

To learn more about the CLB and the CESG, visit http://www.hrsdc.gc.ca/eng/learning/education_savings/index.shtml
Information for University and College Students

Did you get a Canada Student Loan or disbursement between 2000 and 2006?

You may have heard in the news about the security breach at Canada Student Loans. If you are affected, you can request a free 6-year watch on your credit to protect you from identity theft or fraud. To find out if you are affected, and to learn more, call 1-866-885-1866.

To find out about the Canada Student Loans Class Action Lawsuit visit http://www.studentloanclassaction.ca

 Saving on Groceries

Investing

Did you know? Withdrawals from a Tax-Free Savings Account (TFSA) do not count as income when federal benefits and credits like the Canada Child Tax Benefit (CCTB) and the Guaranteed Income Supplement (GIS) are calculated.

This means that if you are getting the Guaranteed Income Supplement (GIS; for lower-income seniors), and you withdraw from your TFSA, your GIS will not be clawed back. If you withdraw from a Registered Retirement Savings Plan, on the other hand, it will count as income and some of your GIS may be clawed back.

Ask about your options at your bank or credit union.

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