Manitoba Personal Finance Standards: Helpful Resources

Manitoba Personal Finance Curriculum Alignment

To support Manitoba educators delivering Personal Finance (10) (Applied Commerce Education, Course 0324), we have aligned our learning materials to the Goals, General Learning Outcomes (GLOs), and Student Learning Outcomes (SLOs) in Manitoba’s Finance Strand: Personal Finance (10) curriculum guide.

Explore the table below to see exactly how our lessons, Budget Game, and Stock Game reinforce the specific learning outcomes your students need to master. Our Learning Library contains over 300 total lessons that can be customized for every class, so this may not include every lesson that may apply for each standard.

Goals 12 and 13 in the Manitoba curriculum apply to Accounting Essentials (11) and Economic Principles (12B) and are outside the scope of PersonalFinanceLab.

Legend:

Long-Term Game
Comprehensive Chapter
Short Lesson
Interactive Calculator
Includes Automatically-Graded Assessment

Standard	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Goal 1: Demonstrate critical, creative, and innovative thinking.
SLO 10.1.1.1: Formulate questions to generate new ideas.	Lesson – Financial Resilience and Life Transitions
SLO 10.1.1.2: Assess information and perspectives related to the thinking process.	Lesson – Financial Resilience and Life Transitions
SLO 10.1.1.3: Assess patterns and connections related to critical, creative, and innovative thinking.	Lesson – Financial Resilience and Life Transitions
Goal 2: Employ current and emerging technologies used in business and industry.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.2.1.1: Evaluate appropriate current technologies for use in business and industry.	Lesson – Financial Resilience and Life Transitions
SLO 10.2.1.2: Utilize appropriate current technologies used in business and industry.	Lesson – Financial Resilience and Life Transitions
SLO 10.2.1.3: Identify and use technology for specific tasks to improve productivity and efficiency.	Lesson – Competitive Advantage
SLO 10.2.1.4: Assess the value of emerging trends in technology.	Lesson – Competitive Advantage Lesson – Analyzing Consumer Behavior
GLO 2.2: Demonstrate awareness of digital footprints.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.2.2.1: Analyze the impact of one's own digital footprint.	Lesson – How to Get Past Resume Software
Goal 3: Demonstrate business communication skills.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.3.1.1: Define and use appropriate business language and terminology.	Lesson – GAAP – Financial Reporting and Terms
SLO 10.3.1.2: Demonstrate appropriate business etiquette and protocols.	Lesson – Workplace Rights, Safety, and Equity in Canada
SLO 10.3.1.3: Employ conflict resolution techniques.	Lesson – Career Readiness & Workplace Relationships
SLO 10.3.1.4: Produce business documents.	Lesson – Creating Financial Statements Lesson – How to Read an Income Statement Lesson – How to Read a Balance Sheet Lesson – The Cash Flow Statement Explained
SLO 10.3.1.5: Present information and ideas.	N/A
Goal 4: Demonstrate an understanding of ethical and legal standards.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.4.1.1: Differentiate between ethics and legal business practices.	Lesson – Making Ethical Business Decisions
SLO 10.4.1.2: Discuss ethical business strategies.	Lesson – Making Ethical Business Decisions
SLO 10.4.1.3: Discuss laws, codes, and regulations related to personal finance.	Lesson – How Canadian Taxes Impact Your Personal Finances
Goal 5: Identify historical influences and emerging trends as innovative sources for business.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.5.1.1: Describe historical influences on the evolution of personal finance.	Lesson – What is Money? Lesson – Why Is It Called Wall Street? Lesson – What Is Monetary Policy? Lesson – What is Cottage Industry
GLO 5.2: Analyze emerging trends in business.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.5.2.1: Identify emerging trends in personal finance.	Lesson – How Canadian Taxes Impact Your Personal Finances
SLO 10.5.2.2: Analyze emerging trends in personal finance.	Lesson – How Canadian Taxes Impact Your Personal Finances
SLO 10.5.2.3: Predict future trends in personal finance.	Lesson – How Canadian Taxes Impact Your Personal Finances
Goal 6: Demonstrate awareness of sustainability in business.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.6.1.1: Demonstrate human sustainability practices while considering financial and environmental sustainability.	Lesson – How a Business Can Be Socially Responsible
SLO 10.6.1.2: Demonstrate sustainable environmental practices while considering human and financial sustainability.	Lesson – How a Business Can Be Socially Responsible
SLO 10.6.1.3: Demonstrate sustainable financial practices while considering human and environmental sustainability.	Lesson – How a Business Can Be Socially Responsible
Goal 7: Demonstrate an understanding of the impact culture and diversity have on business.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.7.1.1: Reflect on how culture impacts business decisions, which may include short- and long-term goals; values; lifestyle; family structure; demographics.	Lesson – Financial Resilience and Life Transitions
SLO 10.7.1.2: Examine First Nations, Métis, and Inuit perspectives and how they relate to business.	Lesson – How Canadian Taxes Impact Your Personal Finances
Goal 8: Describe and demonstrate employability skills.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.8.1.1: Demonstrate an ability to read and write text, use documents, work with numbers, communicate orally, use technology, learn continuously, and think critically.	N/A
SLO 10.8.1.2: Demonstrate positive attitude and behaviours, responsibility, adaptability, and safe work practices.	N/A
SLO 10.8.1.3: Demonstrate time management and punctuality.	N/A
SLO 10.8.1.4: Demonstrate the ability to work with others and participate in projects and tasks.	N/A
Goal 9: Explore education and career opportunities.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.9.1.1: Explore education and career opportunities related to personal finance.	Activity – Student Loan Repayment Calculator Lesson – Paying for Post-Secondary Education in Canada Lesson – Planning Your Career Path Lesson – Go to College or Start Working? Lesson – Starting a Business 101
Goal 10: Analyze the role of business in society.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.10.1.1: Analyze the role of personal finance.	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget
GLO 11.1: Demonstrate an understanding of decision making and goal setting.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.1.1: Identify factors that influence decision making, which may include goals; media; values; family; friends.	Lesson – Achieve Financial Goals with a Spending Plan Lesson – How Do You Stop Impulse Purchases? Lesson – Financial Resilience and Life Transitions
SLO 10.11.1.2: Employ a decision-making process.	Budget Game – Core Component
SLO 10.11.1.3: Identify opportunity cost.	Budget Game – Core Component Lesson – What is Opportunity Cost?
SLO 10.11.1.4: Identify short- and long-term goals related to financial well-being, which may include career and education; life; future purchases; wealth.	Budget Game – Core Component Lesson – #1 Rule for Building Wealth in Canada Lesson – Planning Your Career Path Lesson – A Strategy to Build Wealth, Not Debt Lesson – Evaluating Big-Ticket Purchases Lesson – A Guide to Retiring in Canada
GLO 11.2: Demonstrate an understanding of how the economy impacts personal finance.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.2.1: Compare and contrast types of economic systems, which may include capitalism (market); communism (command); mixed economies; traditional economies; socialism.	Lesson – Comparative Economic Systems – Capitalism, Socialism, and Communism
SLO 10.11.2.2: Identify the sectors and their function in the economy which may include government; Bank of Canada; household (private); business; financial institutions; global markets; global investors.	Lesson – Canadian Banking Essentials
SLO 10.11.2.3: Identify factors that affect the economy, which may include supply and demand; political policy; legal considerations; price elasticity; injections; leakages.	Lesson – What is Supply? Lesson – What is Demand? Lesson – What Does Fiscal Policy Mean? Lesson – What Are Property Rights?
SLO 10.11.2.4: Identify the impact of each stage of the economic life cycle, which may include recession; depression; prosperity; contraction.	Lesson – The Business Cycle
SLO 10.11.2.5: Analyze how domestic and foreign economies affect financial decisions.	Lesson – How Global Trade Shapes Our Economy Lesson – Government Impact on the Economy Lesson – What is Economic Growth?
GLO 11.3: Develop an understanding of financial institutions.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.3.1: Compare and contrast types of financial institutions, which may include banks; credit unions and caisse populaires; trust companies; lending agencies.	Lesson – Canadian Banking Essentials
SLO 10.11.3.2: Compare and contrast account types, which may include chequing; savings; premium; foreign currency.	Lesson – Canadian Banking Essentials
SLO 10.11.3.3: Identify the importance of monitoring bank account activities, which may include debits and credits; errors; deposits and withdrawals; interest earned and charged.	Lesson – Balance Your Books in 10-Minutes
SLO 10.11.3.4: Demonstrate an understanding of financial institution terms, which may include electronic transfers; overdrafts; deposits; withdrawals; fees; NSF; certified cheques and bank drafts; cheque; debit cards; safety deposit boxes; currency exchange.	Lesson – Canadian Banking Essentials
SLO 10.11.3.5: Identify the risks of financial services, which may include cash advances; cheque cashing outlets; loan services; financing plans.	Lesson – Canadian Banking Essentials
SLO 10.11.3.6: Demonstrate the ability to track all personal financial transactions (debit cards, credit cards, cheques, transfers).	Budget Game – Core Component
SLO 10.11.3.7: Demonstrate the ability to reconcile personal financial records with a financial institution or a lender's records.	Budget Game – Core Component Lesson – Balance Your Books in 10-Minutes
GLO 11.4: Demonstrate an understanding of money management.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.4.1: Identify needs and wants.	Budget Game – Core Component Lesson – Achieve Financial Goals with a Spending Plan
SLO 10.11.4.2: Identify ways to receive money, which may include employment income; self-employment; investment income; inheritance.	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan
SLO 10.11.4.3: Calculate and explain ways to receive remuneration for employment, which may include wages; salary; commission; contract work; piece work.	Budget Game – Core Component Lesson – What's in Your Compensation Package? Lesson – The Basics of Filing Taxes in Canada
SLO 10.11.4.4: Calculate and explain remuneration terms, which may include gross income; mandatory deductions; voluntary deductions; net income.	Budget Game – Core Component Lesson – What's in Your Compensation Package? Lesson – The Basics of Filing Taxes in Canada
SLO 10.11.4.5: Compare and contrast personal expenses (fixed and variable) and savings.	Budget Game – Core Component Lesson – Achieve Financial Goals with a Spending Plan
SLO 10.11.4.6: Compare and contrast various forms of savings, which may include savings account; emergency funds; long-term savings.	Budget Game – Core Component Lesson – #1 Rule for Building Wealth in Canada Lesson – What is Wealth?
SLO 10.11.4.7: Prepare and analyze a personal budget.	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget
SLO 10.11.4.8: Develop a personal financial management philosophy, which may include short- and long-term goals; values; lifestyle; family and culture.	Lesson – Financial Resilience and Life Transitions
GLO 11.5: Demonstrate an understanding of debt and credit management.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.5.1: Identify strategies to manage debt.	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
SLO 10.11.5.2: Identify advantages and disadvantages of using credit.	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
SLO 10.11.5.3: Identify means of obtaining credit, which may include mortgages; long-term loans; short-term loans; credit cards; lines of credit.	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
SLO 10.11.5.4: Identify lender's and borrower's rights and responsibilities related to credit.	Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
SLO 10.11.5.5: Explain the value of a good credit rating.	Budget Game – Core Component Lesson – Your Canadian Credit Report
SLO 10.11.5.6: Compare and contrast credit options and costs, which may include interest; fees; loyalty programs.	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More
SLO 10.11.5.7: Demonstrate the ability to interpret lending statements.	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
GLO 11.6: Demonstrate an understanding of the importance of safeguarding personal finances.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.6.1: Research and identify strategies to prevent identity theft.	Lesson – How to Spot a Scam in Canada
SLO 10.11.6.2: Research and identify strategies to prevent financial scams.	Lesson – How to Spot a Scam in Canada
SLO 10.11.6.3: Research and demonstrate an understanding of security features of currency and counterfeit detection.	Lesson – Canadian Banking Essentials
GLO 11.7: Demonstrate an understanding of saving and investing.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.7.1: Compare and contrast saving and investing.	Stock Game – Core Component Budget Game – Core Component Lesson – Why Invest in Stocks vs. Keeping in Savings? Activity – Model Your Financial Future
SLO 10.11.7.2: Compare and contrast types of saving and investing tools, which may include savings account; TFSA; GIC; RSP; RESP; mutual funds; stock market; real estate; memorabilia.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – A Guide to Retiring in Canada
SLO 10.11.7.3: Identify the costs associated with various forms of savings and investing tools.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – The Pros and Cons of Mutual Funds Lesson – A Beginner’s Guide to Investing in Stocks
SLO 10.11.7.4: Distinguish between assets that appreciate and those that depreciate in value and their investment potential.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – How to Use Debt to Your Advantage Investing101 Course – Chapter 1 (Introduction to Investing)
SLO 10.11.7.5: Analyze the relationship between risk and return.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – Why Invest in Stocks vs. Keeping in Savings?
SLO 10.11.7.6: Calculate simple and compound interest.	Lesson – The Magic of Compound Interest Activity – Watch How Your Savings Could Grow
SLO 10.11.7.7: Identify factors that affect investment philosophies.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – Knowing Your Risks & Risk Tolerance
SLO 10.11.7.8: Develop a personal savings and/or investment plan to reach a savings goal.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – The Pros and Cons of Mutual Funds Lesson – A Beginner’s Guide to Investing in Stocks
GLO 11.8: Demonstrate an understanding of taxes and insurance.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.8.1: Explain why Canadians pay taxes to various types of government.	Lesson – The Basics of Filing Taxes in Canada
SLO 10.11.8.2: Prepare a personal income tax return.	Lesson – How Canadian Taxes Impact Your Personal Finances
SLO 10.11.8.3: Understand the purpose of insurance.	Lesson – Insurance Basics Everyone Should Know
SLO 10.11.8.4: Compare and contrast various types of insurance, which may include vehicle; home and contents; life; liability.	Lesson – Insurance Basics Everyone Should Know Activity – Auto Insurance Quote Builder Activity – Property Insurance Quote Builder
GLO 11.9: Develop an understanding of consumer perspectives.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
SLO 10.11.9.1: Develop an awareness of business strategies and how they affect one's own consumer behaviour.	Lesson – Analyzing Consumer Behavior
SLO 10.11.9.2: Identify additional costs associated with making purchases, which may include taxes; tips; warranty; payment fees.	Budget Game – Core Component Lesson – Protect Yourself as a Consumer Lesson – How Do You Stop Impulse Purchases?
SLO 10.11.9.3: Evaluate the advantages and disadvantages of purchasing options, which may include buying; renting; leasing; rent to own; financing plans.	Budget Game – Core Component Lesson – Protect Yourself as a Consumer Lesson – How Do You Stop Impulse Purchases? Lesson – Should You Rent or Should You Buy? Lesson – The Car Buying Checklist
SLO 10.11.9.4: Identify money saving strategies, which may include comparison shopping; discounts; emergency funds; purchasing power.	Budget Game – Core Component Lesson – Protect Yourself as a Consumer Lesson – How Do You Stop Impulse Purchases?