It's A Money Thing

Educating, Preparing & Inspiring Today's Youth

What is It's A Money Thing?
It's a library filled with financial education content designed to engage and teach young adults; complex topics become simple and memorable, all while leaving a smile on your face. Who said financial education has to be all serious and no fun? Follow along with our main character, Jen on her journey to understand everything there is to know about money; we're doing it in a way that's educational AND exciting! Check out the FREE resources below.

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About Credit Union

Co-operative Principles Expand/Collapse

Credit unions put their values into practice by following the 7 co-operative principles. This sets credit unions apart from all other financial institutions, strengthens our communities and benefits you too!

Choosing Your Financial Institution Expand/Collapse

Banks and credit unions offer essentially the same products and services, but there are huge differences in the way they operate. Whether you're just starting out or rethinking your next financial step, here is what you need to know.

Growing Your Money Locally Expand/Collapse

Do you love where you live? Where you work? If so, a great way to show it is by contributing to your local economy! There are tons of ways to help your community thrive; it can be as simple as writing an online review or banking with a Credit Union!

Credit Union Myths Expand/Collapse

Separating fact from fiction - even though there are over 250 credit unions in Canada, misconceptions about their structure and services still exist. Some people mistakenly believe that credit unions are limited, compared to big banks.


After Grad: Work or College? Expand/Collapse

What should you do after high school? Work or college? How do you know which path will take you where you want to go? Sometimes, exploring the different career options that interest you can help you answer that. But how exactly do you decide what kind of career you're interested in?

How to Save on Tuition Expand/Collapse

School is important; it's also expensive! Offset the costs of post-secondary education the smart way by using free money, your money and borrowed money (in that order).

Living On Your Own Expand/Collapse

Living on your own for the first time can be empowering! It means having independence and all the things that come with it. Some of those things (like not having to share the TV remote) are great; other things (like killing spiders yourself) are not so fun. And the least fun: bills.

Owning vs. Renting Expand/Collapse

There are key differences between owning and renting a home. Owning a home gives you the peace of mind of having a permanent place to live. As a renter, it's relatively easy to move around; you're not responsible for finding a tenant to take your place. There's no right answer for whether it's better to own or rent your home - look to your personal goals for guidance.

Building A Budget Expand/Collapse

Building a budget might seem like a daunting task if you aren't sure how to get started. Here's a step-by-step guide to breaking own your spending into needs, wants, and savings goals so you can build a better budget!

Pay Yourself First Expand/Collapse

If you're like most people, then feeding your savings account might not be at the top of your to-do list; it's on the list, but it falls below more important things like paying your rent or bills. Paying yourself first is a great way to improve your financial well-being while helping you reach your long term goals more easily.

Strategies for Debt Repayment Expand/Collapse

Most people have some sort of debt in their life. Whether it's a home loan or a credit card balance, repaying your debts can sometimes seem like climbing a tall, snowy mountain. Here are some things to do and some things to avoid when paying down your debts. Learn about different debt repayment strategies that you can use to help you shrink your debt more quickly.

Acing the Job Interview Expand/Collapse

Preparation is key when it comes to acing the job interview! From what to wear, what to bring, what to know and what to say - you'll learn it all here and more!

Writing a Business Plan Expand/Collapse

Writing a business plan is an essential part of building a successful business. At its core, a business plan is a road map for your project: it establishes your purpose, it sets goals and expectations, and it forecasts the relationship between cost and revenue.

Earning Money Online Expand/Collapse

It's hard to ignore the appeal of making real money online - whether you're selling old stuff, starting a blog or running your own digital storefront, there are many tools and resources to help you every step along the way!

All About Loans

Loan Basics Expand/Collapse

Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can't afford upfront - possibilities like going to school, buying a home or starting a new business (to just name a few).

Predatory Lending Expand/Collapse

By definition, predatory lending benefits the lender, and ignores or hinders the borrower's ability to repay the debt. These lending tactics often try to take advantage of a borrower's lack of understanding about loans, terms or finances.

Leasing vs. Buying A Car Expand/Collapse

When it comes to buying a new car, you have three options: purchasing it with cash, purchasing it through a loan (also known as financing) or leasing it. For most shoppers, the decision comes down to buying or leasing. What's the right choice for you?

Student Loans Expand/Collapse

If you're considering financing your college education with the help of a student loan, the smartest thing you can do for yourself is to only borrow what you truly need.

Demystifying Mortgages Expand/Collapse

Buying a home is likely the biggest purchase of your life, and you'll usually need a loan to make it happen. Comparing mortgages can be confusing, so we're breaking it down for you!

Money Basics

Common Money Beliefs Expand/Collapse

How do you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to?

Know Your Chequing Account Expand/Collapse

Cheques hold an odd place in our personal finances; in many ways, cheques seem like relics from a previous era. We maybe write one or two cheques a month when electronic payment simply isn't an option. This is vastly different from only a few decades ago, when checks represented more than 85% of all non-cash retail payments.

Saving on Groceries Expand/Collapse

The average Canadian spends $5,880 a year on groceries. While paper coupons are still a great way to save money on your grochery bill, there are plenty of other ways to lower your total by the time you check out!

Income Essentials Expand/Collapse

Your income is influenced by four interconnected factors: career, education, skills and trends. Let's learn more!

Let's Talk Taxes Expand/Collapse

Your pay stub is a source of valuable information. It shows you how your income is distributed, gives you a heads up on what to expect at tax time and allows you to set a realistic budget. Let's learn more!

Understanding Insurance Expand/Collapse

Insurance is a contract that offers full or partial financial compensation for loss or damage caused by an uncontrollable event. Learn all about insurance here and how to protect yourself.

Understanding Inflation Expand/Collapse

What's inflation? Great question! Simply put, inflation refers to the rate of change or increase in the average prices of goods and services typically purchased by consumers. When the price level rises, every dollar you have buys a smaller percentage of a good or service.

Trends in the Stockmarket Expand/Collapse

What's with the BULL and the BEAR?! The bull and the bear are the unofficial mascots of stock markets around the world and are used to describe market trends.

Saving & Spending

Budgeting Basics Expand/Collapse

Whether you're planning your first budget or re-evaluating your current buget, these ground rules will set you up for success. It doesn't matter if you manage your budget on your smartphone or you prefer the old school way of pen and paper; these budgeting basics can be applied to every budgeting system!

Good vs. Bad Spending Expand/Collapse

When you start looking for financial advice, experts will share their take on what's 'good' and what's 'bad'. In personal finance, there are some classifications that we can all agree on; debt is bad, emergency funds are good, overdrawing your account is bad and earning interest on your savings is good.

Emergency Fund Bootcamp Expand/Collapse

Having an emergency fund means having one less thing to worry about when the unexpected happens. If you find yourself in a situation like a medical emergency, a surprise home repair or losing a job, you don't want to be worrying about how you're doing to manage expenses or about going into debt to cover costs.

Compound Interest Mind Bend Expand/Collapse

You may remember it as an equation you had to memorize for math class, but it's so much more than that. It's the concept that powers all sorts of savings and investment products and, over time, allows you to turn your money into, well more money!

Rule of 72 Expand/Collapse

Compound interest means earning interest on your interest. You can use the 'Rule of 72' to approximate how long it will take for an investment to double at a given interest rate!

Investment Vehicles Expand/Collapse

Looking to be a first-time investor? Do your homework before investing your hard-earned cash! Unless you can predict the future, investing is a risky business. Know your goals, your needs and your tolerance for risk before you put your money at stake.

Saving for Retirement Expand/Collapse

Although savings goals vary from person to person and range in size and scope, it's likely that your longest-term savings goal will be for your retirement.


Foiling Identity Theft Expand/Collapse

Identity theft is nothing new, and yet it still manages to cost its victims billions of dollars (yes, that’s billions with a “b”) globally each year—not to mention the time and hassle involved in recovering a stolen identity.

The good news is that there are tons of things you can do to deter identity thieves. The bad news is that many of us do little beyond choosing a decent password—and some people don’t even bother doing that! Here are the top 5 information jackpots for identity thieves, along with helpful tips on what you can do right now to protect yourself.

Spotting Scams Expand/Collapse

If you use a cellphone or have an email account, you've most likely been exposed to an attemped scam. Familiarizing yourself with common scams can help you spot them before they turn into costly mistakes.

Organizing Finances Expand/Collapse

Every year, it's nice to do a bit of 'financial spring cleaning' and go through all those loose papers in your filing cabinet or desk drawers. Find out what you should be saving and what's okay to shred.

Understanding Credit

Breakdown of A Credit Score Expand/Collapse

You've likely heard about credit scores before - but what do you actually know about them? How long have they been around? And what's the deal with checking them? You've come to the right place!

Boosting Your Credit Score Expand/Collapse

Credit scores are an area of personal finance that seem a lot more mysterious than they actually are. Find out what's myth and what's fact when it comes to boosting your credit score!

Comparing Cards Expand/Collapse

It's a decision that comes into play for every bill you pay, every tank of gas you buy and every coffee you pick up on the way to class or work. Cash, check or card? Debit, credit or prepaid debit?

Using Your Credit Card Expand/Collapse

What kind of relationship do you have with your credit card? Are you maxed to the limit? Do you avoid using your card at all costs for fear of falling into debt? Many people fall into one of these categories. Understanding what credit is and how to use it can go a long way when it finally comes time to take out your first card or starting building credit.

It's A Money Thing Jr

Making Money Expand/Collapse

People earn an income when they are hired by an employer to work at a job. Income is earned as a wage, a salary or a sales commission. Let's learn more!

Saving Money Expand/Collapse

Imagine this: you're out for a walk and you find a stack of shiny gold bars. Where do you put your treasure to keep it safe? Do you hide it in your room? Do you bury it in the ground? Do you carry it with you at all times? You have to make a similar choice with money. There are many places you can save your money to keep it safe!


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