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 program teaches students in grades 9-12 personal money management skills including the key elements of personal finance such as spending wisely, budgeting, saving, investing and using credit. 



After completing the program, students will be prepared to:
  • 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

  • Explain 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


Download the Program Sheet


Students can also access our self-directed program through the JA Campus.

Programs offered on the JA Campus allow students to learn on an easy-to-use platform and test their knowledge through fun interactive exercises. This virtual learning space is free to use - set up your free account today!


 Visit the JA Campus

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

To check program availability, or for more information, contact your local JA office.

Program availability
JA Northern Alberta & Northwest Territories
JA Southern Alberta
JA British Columbia
JA Central Ontario
JA Ottawa
JA Northern and Eastern Ontario
JA South Western Ontario
JA Manitoba
JA New Brunswick
JA Newfoundland and Labrador


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