Saskatchewan Financial Literacy 10 Learning Materials

Saskatchewan Financial Literacy 10 Curriculum Alignment

To support Saskatchewan educators teaching Financial Literacy 10, we have aligned our learning materials to the official outcomes and indicators (FL10.1–FL10.10) in the Ministry of Education’s Financial Literacy 10 curriculum (2024 preliminary version).

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.

This document is under active revision by the Ministry of Education. Always cross-check the latest version at curriculum.gov.sk.ca when planning instruction.

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
FL10.1: Explore how value systems, social factors, personal experiences and cultural backgrounds can influence financial decision-making.
FL10.1a: Explore the impact value systems developed in childhood can have on attitudes towards finances.	Lesson – Financial Resilience and Life Transitions
FL10.1b: Investigate how culture, religion and family belief systems can influence trust in, and value of, financial institutions.	Lesson – Financial Resilience and Life Transitions
FL10.1c: Explore how social influences and personal experiences shape one’s attitudes toward financial decision-making.	Lesson – Financial Resilience and Life Transitions
FL10.1d: Examine various cultural perspectives on income, budgeting, saving, sharing and accessing credit.	Lesson – Financial Resilience and Life Transitions
FL10.1e: Research various approaches to financial decision-making based on different perspectives or traditions.	Lesson – Financial Resilience and Life Transitions
FL10.1f: Discuss how community and societal norms influence the financial well-being of self, family and community.	Lesson – Financial Resilience and Life Transitions
FL10.2: Examine the influence that finances have on well-being.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.2a: Explore ways to gather, interpret and utilize information to make responsible financial decisions.	Lesson – How to Import and Format Data Lesson – How to Calculate Your Profits & Losses Lesson – Track Your Daily Portfolio Returns Lesson – Mortgage Math and Ratios
FL10.2b: Explore how financial security can have a positive influence on personal mental health and well-being.	Lesson – Financial Resilience and Life Transitions
FL10.2c: Investigate risks associated with lotteries, gambling, or fraudulent activity that creates income.	Lesson – What is Wealth?
FL10.2d: Explore how accessing high-risk financial loans can impact mental health.	Lesson – Financial Resilience and Life Transitions
FL10.2e: Describe financial pressures created by accessing credit cards, credit lines and loans.	Lesson – Getting Out of Debt: Debt Snowball and Debt Avalanche Lesson – The Car Buying Checklist Activity – Calculate the True Cost of Credit Card Debt
FL10.2f: Explore the potentially addictive nature of spending and its connection to financial and mental wellness.	Lesson – Financial Resilience and Life Transitions
FL10.2g: Investigate resources and programs to support and address financial challenges.	Lesson – How Borrowers Manage Personal Debt Lesson – How to Negotiate With Creditors Lesson – How Bankruptcy Ruins Your Credit
FL10.3: Research products and services provided by various financial institutions.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.3a: Explore various types of financial institutions.	Lesson – Canadian Banking Essentials Lesson – How Debit Cards Work Lesson – Finding the Right Brokerage Account Lesson – Tame Your Financial Paperwork
FL10.3b: Identify Indigenous financial institutions and others responsive to various cultures in Canada.	Lesson – Canadian Banking Essentials
FL10.3c: Examine common financial services/products such as chequing/savings, debit/credit, and digital banking.	Lesson – Canadian Banking Essentials Lesson – How Debit Cards Work
FL10.3d: Compare youth, student and adult bank accounts.	Lesson – Canadian Banking Essentials
FL10.3e: Describe process and identification requirements for applying for an account at a financial institution.	Lesson – Canadian Banking Essentials Lesson – How Debit Cards Work
FL10.3f: Explain how to obtain direct deposit information from a financial institution.	Lesson – Canadian Banking Essentials
FL10.3g: Explore sources for obtaining unbiased financial advice.	Lesson – Do You Need a Tax Professional? Lesson – Getting Help With Debt Repayment Lesson – Finding the Right Brokerage Account
FL10.4: Explore various ways of earning an income.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.4a: Explain the importance of a social insurance number (SIN) and how to obtain one.	Lesson – Workplace Rights, Safety, and Equity in Canada
FL10.4b: Research payment methods for employees such as wages, salary, commission, tips and bonuses.	Lesson – What's in Your Compensation Package? Lesson – The Basics of Filing Taxes in Canada Activity – Paycheck Variation Simulator
FL10.4c: Explain budgeting implications of different frequencies of pay.	Budget Game – Core Component
FL10.4d: Explore how entrepreneurs earn an income from various methods of self-employment.	Lesson – What is Entrepreneurship? Lesson – Starting a Business 101 Lesson – Forms of Business Ownership
FL10.4e: Analyze advantages and disadvantages of different employment situations.	Lesson – What's in Your Compensation Package? Lesson – Planning Your Career Path Lesson – What Benefits to Look for in a Job Offer Activity – Income Protection Insurance Calculator
FL10.4f: Examine information provided on sample pay stubs including gross/net pay and deductions.	Budget Game – Core Component Lesson – How Canadian Taxes Impact Your Personal Finances
FL10.4g: Determine impact of overtime on gross and net pay.	Activity – Paycheck Variation Simulator
FL10.4h: Discuss purpose of income tax and relationship between earning income and taxation, including filing returns.	Lesson – The Basics of Filing Taxes in Canada
FL10.4i: Create a sample tax return for a simple T4 employment form.	Lesson – How Canadian Taxes Impact Your Personal Finances
FL10.4j: Investigate income associated with treaties and contemporary economic implications.	Lesson – How Canadian Taxes Impact Your Personal Finances
FL10.4k: Discuss how to manage a substantial financial gain.	Lesson – How Canadian Taxes Impact Your Personal Finances
FL10.5: Examine the role of personal budgets and their importance for financial planning.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.5a: Define budgeting and describe the intent of a personal budget.	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Activity – Find Out Your Monthly Home Budget
FL10.5b: Explore concepts of needs and wants and how they impact financial decisions.	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Lesson – A Strategy to Build Wealth, Not Debt Lesson – #1 Rule for Building Wealth in Canada
FL10.5c: Identify and justify information in a personal budget including income, savings, expenses and taxes.	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Lesson – The Basics of Filing Taxes in Canada
FL10.5d: Explain key considerations when developing a budget including regular, irregular, and unexpected income/expenses.	Budget Game – Core Component Lesson – How to Prepare for Unexpected Expenses Lesson – The Art of Juggling Many Bills in a Pinch
FL10.5e: Examine the purpose of sales taxes and how tax is applied to purchases.	Lesson – How Canadian Taxes Impact Your Personal Finances
FL10.5f: Discuss how personal goals impact a budget.	Budget Game – Core Component Lesson – Achieve Financial Goals with a Spending Plan Lesson – A Strategy to Build Wealth, Not Debt Lesson – A Guide to Retiring in Canada
FL10.5g: Develop a plan to make a major purchase.	Lesson – Evaluating Big-Ticket Purchases Lesson – The Car Buying Checklist Lesson – Find Your Best Car Loan Deal Lesson – Mortgage Options for First-Time Homebuyers Activity – Mortgage Math and Ratios
FL10.5h: Discuss how budgeting decisions vary at different stages of life.	Budget Game – Core Component Lesson – The Cost of Raising a Family Lesson – A Guide to Retiring in Canada Lesson – Why You Buy What You Buy
FL10.5i: Create and justify a personal budget for a hypothetical scenario.	Budget Game – Core Component
FL10.6: Explain the principles of saving money and the importance of a savings mindset.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.6a: Discuss reasons for short and long-term saving.	Budget Game – Core Component Lesson – #1 Rule for Building Wealth in Canada Lesson – Achieve Financial Goals with a Spending Plan Lesson – Break Free From Money Stress with a Budget Lesson – What is Wealth?
FL10.6b: Explain relationship between saving and investing.	Budget Game – Core Component Stock Game – Core Component Lesson – #1 Rule for Building Wealth in Canada Activity – Crack the Code to Becoming a Millionaire
FL10.6c: Investigate different saving strategies.	Lesson – #1 Rule for Building Wealth in Canada Lesson – Break Free From Money Stress with a Budget Lesson – What is Wealth?
FL10.6d: Examine advantages and disadvantages associated with saving strategies.	Lesson – #1 Rule for Building Wealth in Canada Lesson – Achieve Financial Goals with a Spending Plan Lesson – Break Free From Money Stress with a Budget Lesson – What is Wealth?
FL10.6e: Identify appropriate savings strategies based on needs, wants and goals.	Lesson – #1 Rule for Building Wealth in Canada Lesson – Achieve Financial Goals with a Spending Plan Lesson – Break Free From Money Stress with a Budget Lesson – What is Wealth?
FL10.6f: Explore how family perspectives, culture, social influences and personal experiences shape attitudes towards saving.	Lesson – Financial Resilience and Life Transitions
FL10.6g: Explore savings philosophies including delayed gratification, paying yourself first, rainy day funds, and planning for future self.	Lesson – #1 Rule for Building Wealth in Canada Lesson – Achieve Financial Goals with a Spending Plan Lesson – Break Free From Money Stress with a Budget Lesson – What is Wealth?
FL10.6h: Discuss importance of including an emergency savings fund as part of a financial plan.	Budget Game – Core Component Lesson – #1 Rule for Building Wealth in Canada
FL10.7: Examine various investment options.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.7a: Investigate the purpose of investing.	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 Activity – Watch How Your Savings Could Grow
FL10.7b: Differentiate between various types of investments including GICs, stocks, bonds, mutual funds/ETFs, and alternatives.	Stock Game – Core Component Investing101 Course – Chapter 1 (Introduction to Investing) Lesson – A Beginner’s Guide to Investing in Stocks Lesson – A Simple Explanation of ETFs Lesson – The Pros and Cons of Mutual Funds Lesson – Getting Started with Bond Investing
FL10.7c: Explore types of tax-saving investment accounts such as TFSA and RESP.	Lesson – A Guide to Retiring in Canada
FL10.7d: Explore advantages of investing at an early age and impact of growth over time.	Lesson – The Magic of Compound Interest Activity – Watch How Your Savings Could Grow
FL10.7e: Explain reasons for diversification of investments.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk
FL10.7f: Explain concept of risk tolerance including risk versus reward.	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
FL10.7g: Compare advantages, disadvantages and ethical implications of various investment options.	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Investing101 Course – Chapter 8 (Current Hot Topics in Trading)
FL10.8: Analyze credit options and the importance of responsible borrowing.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.8a: Compare options for purchasing items with payment plans and without payment plans.	Lesson – How to Use Debt to Your Advantage
FL10.8b: Investigate interest rates, minimum payments and potential benefits for loans and credit cards.	Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Activity – Calculate the True Cost of Credit Card Debt
FL10.8c: Identify ways for a young adult to access credit for the first time and build a credit score.	Lesson – Your Canadian Credit Report
FL10.8d: Discuss credit scores and how they impact future financial activities.	Lesson – Your Canadian Credit Report
FL10.8e: Critique the statement that credit is a great way to make purchases when short on cash or low income.	Activity – Calculate the True Cost of Credit Card Debt Lesson – Getting Out of Debt: Debt Snowball and Debt Avalanche
FL10.8f: Explain difference between good debt and bad debt and why individuals need to respect debt.	Lesson – How to Use Debt to Your Advantage
FL10.8g: Discuss concept of net worth and impact of borrowing on net worth.	Budget Game – Core Component Lesson – A Strategy to Build Wealth, Not Debt Activity – Get a Snapshot of Your Financial Health
FL10.9: Explain the importance of, and methods for, protecting personal information and financial assets.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.9a: Describe ways to secure personal and financial information, including online account verification processes.	Lesson – How to Spot a Scam in Canada Lesson – Your Canadian Credit Report Lesson – Tame Your Financial Paperwork
FL10.9b: Determine when personal information can be shared safely.	Lesson – How to Spot a Scam in Canada Lesson – Your Canadian Credit Report Lesson – Tame Your Financial Paperwork
FL10.9c: Identify documents that contain sensitive information and could be used fraudulently.	Lesson – How to Spot a Scam in Canada Lesson – Your Canadian Credit Report Lesson – Tame Your Financial Paperwork
FL10.9d: Identify how sensitive documents may be stored and protected using tools and techniques.	Lesson – How to Spot a Scam in Canada Lesson – Tame Your Financial Paperwork
FL10.9e: Describe levels of security associated with common payment methods.	Lesson – What is Money?
FL10.9f: Discuss potential risks associated with online and contactless payment systems.	Lesson – Canadian Banking Essentials
FL10.9g: Investigate ways individuals attempt to illegally gather personal information for fraud.	Lesson – How to Spot a Scam in Canada
FL10.9h: Research processes to address and rectify issues with compromised information and fraud.	Lesson – How to Spot a Scam in Canada Lesson – Your Canadian Credit Report
FL10.10: Develop a plan for future aspirations including finances, education, career, family and wellness goals, and their interconnectedness.	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
FL10.10a: Define the term lifestyle.	Lesson – Financial Resilience and Life Transitions
FL10.10b: Reflect on current lifestyle including needs and wants.	Lesson – Financial Resilience and Life Transitions
FL10.10c: Analyze lifestyle expectations and achievable lifestyle goals according to income.	Lesson – Financial Resilience and Life Transitions
FL10.10d: Explore how various perspectives affect lifestyle.	Lesson – Financial Resilience and Life Transitions
FL10.10e: Investigate earning potential of several career options of personal interest.	N/A
FL10.10f: Explore educational pathways and potential costs associated with career choices including self-employment.	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
FL10.10g: Discuss ways to align earning potential with costs of desired future lifestyle.	Lesson – Financial Resilience and Life Transitions
FL10.10h: Discuss long-term planning concepts including retirement, insurance, wills, and pensions.	Lesson – A Guide to Retiring in Canada Lesson – Insurance Basics Everyone Should Know Lesson – Who Gets Your Stuff When You're Gone? Lesson – Is an Annuity Right for You?
FL10.10i: Describe personal goals surrounding family, social, health and wellness dimensions.	Lesson – Financial Resilience and Life Transitions
FL10.10j: Demonstrate how finances, education, career, family and wellness goals are interconnected.	Lesson – Financial Resilience and Life Transitions
FL10.10k: Design and share a plan to meet future aspirations and goals.	N/A