AFOA Canada Dollars and Sense Program

Contact us today and learn about our youth targeted financial literacy suite of workshops!

AFOA Canada has developed three financial literacy Dollars and Sense modules for Indigenous students: (1) The Secondary School Module for students in grades 11 and 12; (2) The Middle School Module for students in grades 7 and 8; and (3) The Elementary School Module for students in grades 3 and 4.

The goals of the Dollars and Sense Program are to:
                (1) enhance students understanding of handling finances and using money wisely;
                (2) provide the knowledge and skills to help students make informed financial decisions;
                (3) increase students understanding of saving and setting financial goals;
                (4) assist students in determining the real costs of products and services; and
                (5) build students awareness of career opportunities in finance.

There is a lot of interest in this program because it is much needed in our communities. Contact us today to take advantage of this opportunity to invest in helping our Indigenous youth understand what financial literacy is and why it is so important.

Let’s work together to help build a community of Professionals!

Contact Information:

Toll-free: (866) 722-2362             Email:

AFOA Canada thanks and acknowledges TD Bank Group for providing funding for this Program.

Dollars and Sense – Train the Administrators (1 day)

This one day workshop has been designed to provide training in the administration, coordination and delivery of the Dollars and Sense modules. Topics covered include: becoming familiar with the modules; signing an agreement; roles and responsibilities; program costs; how to structure a delivery session; facilitation tips; and others.




Elementary School Module – Grades 3 & 4


  • Goal Setting to Get What you Want
  • Saving Money
  • Ways to Earn Money
  • Shopping & Spending Wisely
  • Banking & Making it Work for You

Click here to download the Activity Booklet Introduction.


Learning Objectives:

Activity 1 – Financial Goal Setting: Joseph and the Zoo

  1. Prepare your own financial goals.
  2. State the importance of developing a realistic plan.
  3. State the importance of saving.

Activity 2 – Ways to Earn Money

  1. Identify ways to earn money.

Activity 3 – Prioritizing Your Money: Sarah and the Pow wow

  1. Select the items that you have money to buy and are most important to you.

Activity 4 – Smart Shopping: Creating a Budget

  1. Define “budget” and the process of “budgeting”.
  2. Create a shopping list.
  3. Spend within your means.

Activity 5 – Smart Shopping: Advertisements

  1. Identify advertising techniques used by advertisers.
  2. Ask critical questions of advertisements.

Activity 6 – The Bank and Me: Smart Banking Tools

  1. Identify the similarities and differences of the three Smart Banking Tools.
Click here to download the Activity Booklet Closing.


Middle School Module – Grades 7 & 8


  • Wants and Needs
  • Goal Setting
  • Ways to Save and Use Money
  • Ways People Get Money
  • Consumer Decision Making
  • Banking That’s Right for You
Click here to download the Activity Booklet Introduction.


Learning Objectives:

Activity 1 – Needs and Wants

  1. Identify needs and wants.
  2. State the three basic things that human beings need for survival.

Activity 2 – Goal Setting: Establishing Personal Goals

  1. State what a goal is and how to set goals.
  2. Write a goal using the S.M.A.R.T. goal criteria.
  3. Identify how to overcome barriers and assess goals.

Activity 3 – Changing Your World: Group Goals

  1. Describe what a goal is and how to set goals,
  2. State the difference between personal and group goals.

Activity 4 – Ways to Save and Use Money: ABC’s of Saving

  1. Identify the steps in saving.
  2. Identify ways to save money.
  3. Set a savings goal and identify how you plan to reach the goal.

Activity 5 – Consumer Decision Making: Becoming a Wise Consumer

  1. Demonstrate how to make financial decisions.

Activity 6 – Banking That’s Right for You: What Are My Banking Needs?

  1. Determine your bank account needs.
  2. Research financial institutions for accounts and services.
  3. Identify the benefits of having a bank account.
  4. State how to open a bank account.

Activity 7 – Financial Priorities: If you had $50.00

  1. Identify your money values and priorities.
Click here to download the Activity Booklet Closing.


Secondary School Module - Grades 11 & 12


  • Effective Money Management
  • Income, Expenses & Budgeting
  • Goal Setting, Saving and Investing
  • Purchasing & Consumer Awareness
  • Credit and Risk
  • Careers in Finance
Click here to download the Activity Booklet Introduction.


Learning Objectives:

Activity 1 – Spending Journal

  1. Identify the expenditures you usually make on a monthly basis.
  2. Identify the personal income you usually receive on a monthly basis.

Activity 2 – Goal Setting

  1. State the importance of setting goals to achieve your dreams.
  2. Set financial goals.

Activity 3 – Developing a Budget

  1. Demonstrate an understanding of developing a budget.

Activity 4 – My Summer Job

  1. Identify how to spend money wisely.

Activity 5 – Reading Between the Lines – Smart Phone

  1. Make good consumer decisions regarding purchases.

Activity 6 – Financial Careers

  1. Demonstrate an understanding of careers in finance.

Activity 7 – Writing a Cheque

  1. Write a cheque
Click here to download the Activity Booklet Closing.