TEACHER >> He is being taxed 19 per cent, right?
And that money is being deducted...
NARRATOR >> All across Ontario, students in grades 4 through 12 learn about financial literacy.
There are four key elements: personal finance, economic understanding,
consumer awareness and citizenship.
These four elements work together to build students' understanding of financial literacy.
But learning can go beyond the classroom.
Parents can help support this learning at home.
Personal finance involves basic money management, which includes saving,
spending, borrowing and investing.
BRENDA PEACOCK >> When he gets his allowance, he gets 8 dollars.
He has to split it up equally between three jars.
One is his spending jar, one is for the bank and one is for donations.
NARRATOR >> With your child, you could show them how to save and spend responsibly.
For example, you can decide together how to manage their money
by establishing three categories
such as essential purchases, savings and items they want.
With your teen, you could talk about the concept of earning interest and the impact
of paying off debt, using real life examples.
Economic understanding covers financial issues that are local, national and global.
CURRY GRAY >> My daughter actually asked me the other day, "I don't understand all this eurozone stuff,
I mean it's, I don't understand it, what's it about?
How does that affect me?"
NARRATOR >> With your child you could talk about inflation by comparing the cost
of something your child buys to what it used to cost 10 or 20 years ago.
With your teen you could talk about an exchange rate before they go on a trip.
For example, the U.S dollar and the Canadian dollar.
Consumer awareness emphasizes being a conscious consumer
and understanding the impact of purchasing choices.
It also means knowing our rights as a consumer and recognizing the costs before,
during and after making a purchase.
This includes identifying the difference between wants and needs.
It also includes discussing how to be a smart consumer
by keeping personal information safe, especially online.
EMILY SAMUEL >> And of course they have to think about, what's going to be the best option for them?
Cash - if you lose it, it's gone - whereas a debit card has a PIN number for that security.
So that might be something that we have an additional lesson about and discuss with them.
NARRATOR >> With your child, you could encourage them to ask questions and think
through a purchase before they buy.
This could include looking for discounts or comparison shopping. Your teen may be curious
about how debit and credit cards work.
You could talk with them about interest, minimum payments, paying off the balance
and keeping personal information, such as a PIN, safe.
Citizenship, in terms of financial literacy, means that students learn
to recognize good corporate citizens in their neighbourhood and understand the benefit
of supporting companies that do good work.
This helps students understand that they can have an impact as consumers.
KARAM ALI >> So many business around us and they help a lot.
And the kids, they notice this.
They notice some business outside of the school they help with the school as part
of the community, which is fantastic.
NARRATOR >> You could have a conversation with your child or teen about how decisions about what
to buy affect you, your family, your community, Canada and the world.
For example, buying local produce can have a positive impact on the local economy
and buying products with less packaging helps the environment.
Exploring these four elements of financial literacy will help students
of all ages better understand the world around them, regardless of their preconceptions.
BRENDA PEACOCK >> My kids actually thought that we just had to go to the bank and we had unlimited funds.
Every time we stuck our plastic card in there, we could get whatever we wanted.
Oh, if only that were true.
Learn more about financial literacy by visiting our website.
[TITLE: www.edu.gov.on.ca/eng/parents/financial.html]
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