Choose province (Canada) or state (United States), and language

Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

Log on to Desjardins online services.
 

You are here: Home > Co-opme > Action plans and tips > Preparing for future: Youth and finance > Step by step finance guide

Your browser is configured to not accept cookies. Some features of the site are not available or will not work correctly without cookies. Also, some information presented might not apply to your situation.
See How to enable cookies

Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.

Microsoft Edge causes problems on AccèsD. To fix the issue, please install the most recent Windows update.

Step by step finance guide

At Desjardins, we believe that it's extremely important to help young people learn how to make enlightened financial decisions and cooperate with others in a constantly changing world. That's why we've developed educational content that parents and teachers can use with youngsters ages 6 to 17.

Ages 6-7

If your child already knows this,

Economics 101

At this age, a child should know:

How money is earned

Learn more >

How much each Canadian coin is worth

Learn more >

The shape and size of each Canadian coin

Learn more >

At this age, a child should know:

The shape and size of each Canadian coin

More:

At this age, a child should know:

How much each Canadian coin is worth

More:

Activities to complete

At home

In class

Saving

At this age, a child should know:

What savings are for

Learn more >

About using an account and how to make deposits and withdrawals

Learn more >

At this age, a child should know:

What savings are for

More:

At this age, a child should know:

About using an account and how to make deposits and withdrawals

More:

Activities to complete

At home

In class

Spending

At this age, a child should know:

Why it's important to compare prices before making a purchase

Learn more >

How to define the terms reduce, re-use, recycle and reclaim

Learn more >

The difference between needs and wants

Learn more >

At this age, a child should know:

Why it's important to compare prices before making a purchase

More:

At this age, a child should know:

How to define the terms reduce, re-use, recycle and reclaim

More:

Activities to complete

At home

Working

At this age, a child should know:

How to finance an activity

Learn more >

At this age, a child should know:

How to finance an activity

More:

Security

At this age, a child should know:

Why it's important not to share personal information

Learn more >

At this age, a child should know:

Why it's important not to share personal information

More:

Videos

Protecting your identity (1 min 15 s)

Cooperation

At this age, a child should know:

Some local cooperatives

Learn more >

The difference between cooperation and competition

Learn more >

The purpose of democracy

Learn more >

How to work in a team

Learn more >

At this age, a child should know:

Some local cooperatives

More:

Activities to complete

In class

At this age, a child should know:

The purpose of democracy

More:

Activities to complete

At home

At this age, a child should know:

The difference between cooperation and competition

More:

Activities to complete

At home

In class

At this age, a child should know:

How to work in a team

More:

Activities to complete

At home

In class

Ages 8-9

If your child already knows this,

Economics 101

At this age, a child should know:

How money is earned

Learn more >

How much goods and services cost

Learn more >

Where money comes from and how it evolved over time in various countries

Learn more >

At this age, a child should know:

Where money comes from and how it evolved over time in various countries

More:

Videos

Overconsumption (1 min 45 s)

Supply and demand (1 min 21 s)

At this age, a child should know:

How much goods and services cost

More:

Activities to complete

In class

Saving

At this age, a child should know:

Why it's important to save (reasons and motivations)

Learn more >

How to budget for a purchase

Learn more >

Why accounts are important and how to make deposits and withdrawals

Learn more >

At this age, a child should know:

Why it's important to save (reasons and motivations)

More:

At this age, a child should know:

Why accounts are important and how to make deposits and withdrawals

More:

At this age, a child should know:

How to budget for a purchase

More:

Activities to complete

In class

Spending

At this age, a child should know:

Why it's important to compare prices before making a purchase

Learn more >

How purchases can impact the environment

Learn more >

Why it's important to prioritize needs instead of wants

Learn more >

Ads don't always tell the truth

Learn more >

At this age, a child should know:

Why it's important to compare prices before making a purchase

More:

At this age, a child should know:

Why it's important to prioritize needs instead of wants

More:

At this age, a child should know:

How purchases can impact the environment

More:

Working

At this age, a child should know:

What entrepreneurial values are

Learn more >

The difference between assistance and paid work

Learn more >

At this age, a child should know:

What entrepreneurial values are

More:

Videos

Payment methods (1 min 50 s)

At this age, a child should know:

The difference between assistance and paid work

More:

Activities to complete

At home

In class

Security

At this age, a child should know:

About good purchasing practices—on the web and elsewhere

Learn more >

At this age, a child should know:

About good purchasing practices—on the web and elsewhere

More:

Activities to complete

In class

Videos

Protecting your identity (1 min 15 s)

Cooperation

At this age, a child should know:

Local, provincial and Canadian cooperatives

Learn more >

How cooperatives meet shared needs

Learn more >

About teamwork and promoting individual strengths

Learn more >

The role cooperative members play

Learn more >

Cooperative values

Learn more >

At this age, a child should know:

Local, provincial and Canadian cooperatives

More:

Activities to complete

In class

At this age, a child should know:

The role cooperative members play

More:

Activities to complete

In class

Videos

What is a cooperative? (1 min 45 s)

At this age, a child should know:

How cooperatives meet shared needs

More:

Activities to complete

In class

Videos

What is a cooperative? (1 min 45 s)

At this age, a child should know:

Cooperative values

More:

At this age, a child should know:

About teamwork and promoting individual strengths

More:

Activities to complete

At home

In class

Ages 10-11

If your child already knows this,

Economics 101

At this age, a child should know:

How money circulates (buying, saving and borrowing)

Learn more >

How to count change, with or without the penny

Learn more >

Where money comes from and how it evolved over time in various countries

Learn more >

At this age, a child should know:

How money circulates (buying, saving and borrowing)

More:

At this age, a child should know:

Where money comes from and how it evolved over time in various countries

More:

Videos

Supply and demand (1 min 21 s)

At this age, a child should know:

How to count change, with or without the penny

More:

Activities to complete

In class

Saving

At this age, a child should know:

Why it's important to save (reasons and motivations)

Learn more >

How to budget for a purchase

Learn more >

About debit cards and various payment methods

Learn more >

At this age, a child should know:

Why it's important to save (reasons and motivations)

More:

At this age, a child should know:

About debit cards and various payment methods

More:

At this age, a child should know:

How to budget for a purchase

More:

Activities to complete

In class

Spending

At this age, a child should know:

Good consumer practices and over-consumption

Learn more >

Why goods and services should be used responsibly

Learn more >

Why it's important to prioritize needs instead of wants

Learn more >

How advertising can influence personal spending

Learn more >

At this age, a child should know:

Good consumer practices and over-consumption

More:

At this age, a child should know:

Why it's important to prioritize needs instead of wants

More:

At this age, a child should know:

Why goods and services should be used responsibly

More:

At this age, a child should know:

How advertising can influence personal spending

More:

Activities to complete

At home

In class

Using credit

At this age, a child should know:

What credit cards are for

Learn more >

What credit is for (financing)

Learn more >

At this age, a child should know:

What credit is for (financing)

More:

Working

At this age, a child should know:

How to carry out an entrepreneurial project

Learn more >

The difference between assistance and paid work

Learn more >

At this age, a child should know:

How to carry out an entrepreneurial project

More:

Videos

Payment methods (1 min 50 s)

Security

At this age, a child should know:

About good purchasing practices—on the web and elsewhere

Learn more >

At this age, a child should know:

About good purchasing practices—on the web and elsewhere

More:

Cooperation

At this age, a child should know:

The different types of cooperatives

Learn more >

Why cooperatives appeared in Quebec in 1900 during the industrialization

Learn more >

About teamwork and promoting individual strengths

Learn more >

The role cooperative members play

Learn more >

Why, when and how to cooperate

Learn more >

At this age, a child should know:

The different types of cooperatives

More:

Activities to complete

Coming soon

At this age, a child should know:

The role cooperative members play

More:

Videos

What is a cooperative? (1 min 45 s)

At this age, a child should know:

Why cooperatives appeared in Quebec in 1900 during the industrialization

More:

Activities to complete

In class

Videos

What is a cooperative? (1 min 45 s)

At this age, a child should know:

Why, when and how to cooperate

More:

Activities to complete

At home

In class

At this age, a child should know:

About teamwork and promoting individual strengths

More:

Activities to complete

At home

In class

Ages 12-13

If your child already knows this,

Economics 101

At this age, a teen should know:

How to briefly outline the principle of supply and demand

Learn more >

How to count change, with or without penny

Learn more >

Where money comes from and how it evolved over time in various countries

Learn more >

At this age, a teen should know:

How to briefly outline the principle of supply and demand

More:

Activities to complete

At home

At this age, a teen should know:

Where money comes from and how it evolved over time in various countries

More:

Activities to complete

At home

At this age, a teen should know:

How to count change, with or without penny

More:

Activities to complete

Coming soon

Saving

At this age, a teen should know:

Why it's important to save (reasons and motivations)

Learn more >

How to budget for a purchase

Learn more >

About debit cards and various payment methods

Learn more >

At this age, a teen should know:

Why it's important to save (reasons and motivations)

More:

Activities to complete

At home

In class

At this age, a teen should know:

About debit cards and various payment methods

More:

Activities to complete

At home

At this age, a teen should know:

How to budget for a purchase

More:

Activities to complete

Coming soon

Spending

At this age, a teen should know:

Good consumer practices and over-consumption

Learn more >

Why goods and services should be used responsibly

Learn more >

Why it's important to prioritize needs instead of wants

Learn more >

How advertising can influence personal spending

Learn more >

At this age, a teen should know:

Good consumer practices and over-consumption

More:

At this age, a teen should know:

Why it's important to prioritize needs instead of wants

More:

Activities to complete

Coming soon

At this age, a teen should know:

How advertising can influence personal spending

More:

Activities to complete

At home

Using credit

At this age, a teen should know:

How to calculate interest on credit

Learn more >

How to explain debt

Learn more >

What types of financing are available (types of loans)

Learn more >

At this age, a teen should know:

How to calculate interest on credit

More:

Activities to complete

Coming soon

At this age, a teen should know:

What types of financing are available (types of loans)

More:

Activities to complete

In class

At this age, a teen should know:

How to explain debt

More:

Activities to complete

At home

Working

At this age, a teen should know:

How to carry out an entrepreneurial project

Learn more >

How to calculate net and gross salaries

Learn more >

At this age, a teen should know:

How to carry out an entrepreneurial project

More:

Activities to complete

Coming soon

At this age, a teen should know:

How to calculate net and gross salaries

More:

Activities to complete

In class

Security

At this age, a teen should know:

How fraud works and possible scams

Learn more >

What car insurance is for

Learn more >

At this age, a teen should know:

How fraud works and possible scams

More:

Activities to complete

Coming soon

At this age, a teen should know:

What car insurance is for

More:

Activities to complete

Coming soon

Cooperation

At this age, a teen should know:

The different types of cooperatives

Learn more >

The practices and principles that set cooperatives apart

Learn more >

Why, when and how to cooperate

Learn more >

How to take part in cooperative governance

Learn more >

The impact cooperatives can have on the community

Learn more >

How to explain collective entrepreneurship

Learn more >

At this age, a teen should know:

The different types of cooperatives

More:

Activities to complete

Coming soon

At this age, a teen should know:

How to take part in cooperative governance

More:

Activities to complete

In class

At this age, a teen should know:

The impact cooperatives can have on the community

More:

Activities to complete

Coming soon

At this age, a teen should know:

The practices and principles that set cooperatives apart

More:

Activities to complete

Coming soon

At this age, a teen should know:

Why, when and how to cooperate

Activities to complete

Coming soon

At this age, a teen should know:

How to explain collective entrepreneurship

More:

Activities to complete

At home

In class

Ages 14-17

Economics 101

At this age, a teen should know:

The characteristics of Canada's economic model

Learn more >

How to calculate the exchange rate and the external value of the Canadian dollar

Learn more >

About foreign currencies

Learn more >

At this age, a teen should know:

The characteristics of Canada's economic model

More:

Activities to complete

At home

At this age, a teen should know:

About foreign currencies

More:

Activities to complete

Coming soon

At this age, a teen should know:

How to calculate the exchange rate and the external value of the Canadian dollar

More:

Activities to complete

Coming soon

Saving

At this age, a teen should know:

What stock exchange investments are for

Learn more >

The accouting principles needed for a balanced budget

Learn more >

The cost and usefulness of account-related services

Learn more >

At this age, a teen should know:

What stock exchange investments are for

More:

Activities to complete

At home

In class

At this age, a teen should know:

The cost and usefulness of account-related services

More:

Activities to complete

At home

At this age, a teen should know:

The accouting principles needed for a balanced budget

More:

Activities to complete

Coming soon

Spending

At this age, a teen should know:

How to spend less

Learn more >

How peer consumer habits influence personal spending

Learn more >

Why it's important to prioritize needs instead of wants

Learn more >

How advertising can influence personal spending

Learn more >

At this age, a teen should know:

How to spend less

More:

Activities to complete

At home

At this age, a teen should know:

Why it's important to prioritize needs instead of wants

More:

Activities to complete

At home

In class

At this age, a teen should know:

How peer consumer habits influence personal spending

More:

Activities to complete

At home

In class

At this age, a teen should know:

How advertising can influence personal spending

More:

Activities to complete

At home

Using credit

At this age, a teen should know:

What a credit file is for

Learn more >

The causes, circumstances and consequences of debt

Learn more >

The responsaibilities that come with a loan

Learn more >

At this age, a teen should know:

What a credit file is for

More:

Activities to complete

Coming soon

At this age, a teen should know:

The responsaibilities that come with a loan

More:

Activities to complete

Coming soon

At this age, a teen should know:

The causes, circumstances and consequences of debt

More:

Activities to complete

In class

Working

At this age, a teen should know:

How to start up a business

Learn more >

About labour standards

Learn more >

Why we pay income tax and how to calculate deductions from earnings

Learn more >

At this age, a teen should know:

How to start up a business

More:

Activities to complete

At home

At this age, a teen should know:

Why we pay income tax and how to calculate deductions from earnings

More:

Activities to complete

At home

At this age, a teen should know:

About labour standards

More:

Activities to complete

In class

Security

At this age, a teen should know:

How fraud works and possible scams

Learn more >

What individual insurance is for

Learn more >

What home insurance is for

Learn more >

At this age, a teen should know:

How fraud works and possible scams

More:

Activities to complete

Coming soon

At this age, a teen should know:

What home insurance is for

More:

Activities to complete

Coming soon

At this age, a teen should know:

What individual insurance is for

More:

Activities to complete

Coming soon

Cooperation

At this age, a teen should know:

The different types of cooperatives

Learn more >

The impact cooperatives can have on the community

Learn more >

How to explain an ethical dilemma

Learn more >

How to take part in cooperative governance

Learn more >

The practices and principles that set cooperatives apart

Learn more >

How to explain collective entrepreneurship

Learn more >

At this age, a teen should know:

The different types of cooperatives

More:

Activities to complete

Coming soon

At this age, a teen should know:

How to take part in cooperative governance

More:

Activities to complete

Coming soon

At this age, a teen should know:

The impact cooperatives can have on the community

More:

Activities to complete

Coming soon

At this age, a teen should know:

The practices and principles that set cooperatives apart

More:

Activities to complete

Coming soon

At this age, a teen should know:

How to explain an ethical dilemma

More:

Activities to complete

Coming soon

At this age, a teen should know:

How to explain collective entrepreneurship

More:

Activities to complete

In class

All educational content offered without charge on the Desjardins Group website has been developed by financial specialists and primary and secondary school educators. If you have questions or comments, please contact us.

The Desjardins Personal Financial Index

Measure your financial skills and knowledge.

My index - Budgeting, debts, savings, insurance...
My index 2 - Have you taken control of your finances?
My index 3 - Spending, saving, protecting your assets...

Stay connected

Whether you’re an individual member, experienced investor or business owner, sign up for our monthly newsletters that offer you a summary of the best content prepared by Desjardins experts.

Sign up

Toolbar