Personal Finance

Empowering Grade 9-12 students with financial literacy

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. Limited resources in schools mean that they are also not able to teach students critical financial skills that will keep them out of debt and help them succeed in life. 

Personal Finance is JA’s new financial literacy program for Grade 9-12 students. The program teaches students personal money management skills including the key elements of personal finance such as spending wisely, budgeting, saving, investing and using credit. 


How We Achieve

Achievers are three times less likely to spend more than they earn*

*The Boston Consulting Group (2011 report)


In this interactive program students will:

  • Recognize the role income plays in personal finances

  • Discover the importance of planning their financial decisions

  • Identify high-dollar items and unexpected costs that require savings

  • Learn the importance of making and keeping a spending plan

  • Consider the types of expenditures that might go into a monthly budget

  • Express the need to make good credit decisions to avoid costly consequences

  • Assess potential risks to their personal finances

  • Learn preventative methods to limit potential losses


By the end of the program, students will have a personal finance plan and clear goals for their financial security. 


Download the Personal Finance Program Sheet

Use the links below for more information about getting involved with Personal Finance.

To check program availability for Charters outside of Ontario, Manitoba and Prince Edward Island, or for more information about Personal Financecontact your local JA office

Program availability
South Western Ontario
Prince Edward Island


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