Dollars with Sense

Empowering Grade 7-9 Students to Make Smart, Lifelong Financial Choices

Canadian personal debt is at a record high.

Canadian youth are growing up in a time in which spending is easier than ever and debt is a way of life. This problem is exacerbated by hectic family schedules, which leave parents with little time to teach their children about money management.

How can we prepare today’s youth to avoid personal debt? 

Through the newly updated Dollars With Sense program, Grade 7-9 students get the vital tools they need to make smart financial decisions, live debt-free and become savvy investors. Students learn personal money management skills that they can apply to their lives ... beginning now.

How We Achieve

Achievers are 3X less likely to spend more than they earn.*

*The Boston Consulting Group (2011 report)


Dollars with Sense leaders make learning fun by using games and multimedia to boost students’ self-confidence and help them achieve financial literacy. Students learn about budgeting, saving, global currencies and safe online shopping.

In this one-day, interactive classroom program, students will:

  • Identify their financial needs, wants, and goals

  • Develop a money management self-profile

  • Discover what influences their spending

  • Learn how to make informed consumer decisions

  • Calculate the cost of credit

  • Prepare a budget

  • Assess the benefits and risks of online shopping, as well as learn how to avoid scams

  • Receive an introduction to the stock market and learn how wealth can grow through wise investments

By the end of the program, students will know how to evaluate their financial decisions against their goals. This prepares them to make smart, lifelong financial choices.


Download the Dollars with Sense Program Sheet


How We Achieve

Achievers save more, borrow less, and do better financially than the average Canadian. As a result, they are more self-reliant, put a lower burden on the social safety net and provide better for their own retirement.*

*The Boston Consulting Group (2011 report)


Use the links below for more information about getting involved with Dollars with Sense.

To check program availability for Charters outside of Ontario, Manitoba and Prince Edward Island, or for more information about Dollars with Sense, contact your local JA office.

Program availability
Central Ontario
London and District
Northern and Eastern Ontario
South Western Ontario
South Western Ontario
Waterloo Region
Prince Edward Island


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Our mission is to inspire and prepare young people to succeed in a global economy.