Personal Finance: I'm in Charge - An educational program for young adults

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Personal Finance

Personal Finance: I'm in Charge - An educational program for young adults Image

Why you should take the course

Why you should take the course

  • To learn how to save, how to spend and how to use credit wisely
  • To plan your financial future with confidence
  • To learn how to make money work for you
  • To get equipped with the right tools needed to avoid overspending and prevent over-indebtedness
  • To become aware of your rights and responsibilities
  • To make decisions that are right for you

Revealing comments

"I learned to spot my weaknesses, to work out a budget and to trust myself. The tools I've been given will last a lifetime."
- Female participant

"I know I'm young, but if there's one thing I learned by taking the course, it's that you have to plan for your future."
- Male participant

An overview of the 17 modules

Want to take charge of your finances and make sound decisions as a consumer, a student or a young worker?

The essentials

  1. Budgeting: numbers that speak for themselves
  2. Credit: it's worth a look
  3. Taking charge of my buying choices and influences
  4. Buying and saving: making room for both
  5. Excessive debt: handling a difficult financial situation

Everyday life

  1. Food: money-saving tips and tricks
  2. Transportation: on the right track
  3. Finding a place to live: key considerations
  4. Consumer protection: know your rights
  5. Cellphones: making the right choices

Education and employment

  1. Education: an investment you can plan for and finance
  2. Employment income: gross to net
  3. The labour market: your rights and responsibilities
  4. Taxes: a civic responsibility

Financial services

  1. Financial services: accounts, transactions and security
  2. Insurance: thinking ahead
  3. Investing: more than making money

The program is tailored to your reality and lifestyle, and addresses in a dynamic way topics of concern to you. The series of 2-hour classes are offered for free1, in partnership with participating caisses and several local community organizations.

® Registered trademark of Fédération des caisses Desjardins du Québec

1. Certain conditions may apply.

Registration

To learn more about the Personal Finance: I'm in Charge program, contact your local partner in the list below.

Bas-Saint-Laurent-Gaspésie

Association coopérative d'économie familiale du Grand-Portage - External link. This link will open in a new window. (site in French only)
Phone: 418-867-8545 or 1-866-762-0269
Contact by email - Association coopérative d'économie familiale du Grand-Portage

Association coopérative d'économie familiale de Rimouski-Neigette et Mitis - External link. This link will open in a new window. (site in French only)
Phone: 418-723-0744

Association coopérative d'économie familiale de la Péninsule - External link. This link will open in a new window.
Phone: 418-562-7645 or 1-866-566-7645
Contact by email - Association coopérative d'économie familiale de la Péninsule

Carrefour jeunesse-emploi Haute-Gaspésie - External link. This link will open in a new window. (site in French only)
Phone: 418 763-2308, ext. 200
Contact by email - Carrefour jeunesse-emploi Haute-Gaspésie

Partners of (Bas-Saint-Laurent):
Caisse Desjardins des Basques
Caisse Desjardins de La Matanie
Caisse Desjardins de la Rivière Neigette
Caisse Desjardins de Rimouski
Caisse Desjardins de Viger et Villeray
Caisse Desjardins Transcontinental-Portage
Caisse Desjardins du Bic–Saint-Fabien
Caisse Desjardins Vallée de la Matapédia
Caisse Desjardins de Mont-Joli–Est de La Mitis
Caisse populaire Desjardins de Rivière-du-Loup
Caisse des Lacs de Témiscouata

Partners of (Gaspésie):
Caisse Desjardins du Littoral gaspésien
Caisse Desjardins de la Pointe de la Gaspésie
Caisse Desjardins de la Baie des Chaleurs
Caisse populaire Desjardins de La Haute-Gaspésie
Caisse populaire Desjardins du Centre-sud gaspésien
Caisse populaire Desjardins Mer et montagnes

Charlevoix-Côte-Nord

Carrefour jeunesse-emploi de Duplessis - External link. This link will open in a new window. (site in French only)
Phone: 418-961-2533
Contact by email - Carrefour jeunesse-emploi de Duplessis

Carrefour jeunesse-emploi de Manicouagan - External link. This link will open in a new window. (site in French only)
Phone: 418-589-8589
Contact by email - Carrefour jeunesse-emploi de Manicouagan

Centre d'études collégiales en Charlevoix - External link. This link will open in a new window. (site in French only)
Phone: 418-665-6606
Contact by email - Centre d'études collégiales en Charlevoix

Cégep de Baie-Comeau
Phone: 418-589-5707 or 1-800-463-2030
Contact by email - Cégep de Baie-Comeau

Formation continue Charlevoix - External link. This link will open in a new window. (site in French only)
Phone: 418-665-2244
Contact by email - Formation continue Charlevoix

Carrefour jeunesse-emploi Haute-Côte-Nord - External link. This link will open in a new window. (site in French only)
Phone: 581-324-1110
Contact by email - Carrefour jeunesse-emploi Haute-Côte-Nord

Partners of:
Caisse Desjardins de Charlevoix-Est
Caisse Desjardins du Fleuve et des Montagnes (Charlevoix)
Caisse Desjardins de Port-Cartier
Caisse Desjardins des Ressources naturelles
Caisse populaire Desjardins de Baie-Comeau
Caisse populaire Desjardins de l'Île-aux-Coudres
Caisse populaire Desjardins de Havre-Saint-Pierre
Caisse populaire Desjardins de Hauterive
Caisse populaire Desjardins de Mingan-Anticosti
Caisse populaire Desjardins de Sept-Îles
Caisse populaire Desjardins de Ragueneau
Caisse Desjardins du Centre de La Haute-Côte-Nord
Caisse populaire Desjardins du Saguenay-Saint-Laurent

Kamouraska-Chaudière-Appalaches

Association coopérative d'économie familiale du Grand-Portage - External link. This link will open in a new window. (site in French only)
Phone: 418-867-8545 or 1-866-762-0269
Contact by email - Association coopérative d'économie familiale du Grand-Portage

Carrefour jeunesse-emploi de la MRC de Montmagny - External link. This link will open in a new window. (site in French only)
Phone: 418-248-3522
Contact by email - Carrefour jeunesse-emploi de la MRC de Montmagny

Carrefour jeunesse-emploi de la MRC de L'Islet - External link. This link will open in a new window. (site in French only)
Phone: 418-247-7335
Contact by email - Carrefour jeunesse-emploi de la MRC de L'Islet

Ressource alternative des jeunes de Bellechasse - External link. This link will open in a new window. (site in French only)
Phone: 418-887-7117
Contact by email - Ressource alternative des jeunes de Bellechasse

Carrefour jeunesse-emploi de Frontenac - External link. This link will open in a new window. (site in French only)
Phone: 418-335-0802
Contact by email - Carrefour jeunesse-emploi de Frontenac

Carrefour jeunesse-emploi de Beauce-Nord - External link. This link will open in a new window. (site in French only)
Phone: 418-386-2532 (Sainte-Marie) or 418-397-8045 (Saint-Joseph)
Contact by email - Carrefour jeunesse-emploi de Beauce-Nord

Carrefour jeunesse-emploi de Beauce-Sud - External link. This link will open in a new window. (site in French only)
Phone: 418-228-9610
Contact by email - Carrefour jeunesse-emploi de Beauce-Sud

Carrefour jeunesse-emploi les Etchemins - External link. This link will open in a new window. (site in French only)
Phone: 418-625-2533
Contact by email - Carrefour jeunesse-emploi les Etchemins

Partners of:
Caisse Desjardins de l'Anse de La Pocatière
Caisse Desjardins des Champs et des Bois
Caisse Desjardins du Centre de Kamouraska
Caisse Desjardins du Nord de L'Islet
Caisse Desjardins du Sud de L'Islet et des Hautes-Terres
Caisse Desjardins de la MRC de Montmagny
Caisse Desjardins de Bellechasse
Caisse Desjardins de la Région de Thetford
Caisse Desjardins du Carrefour des lacs
Caisse Desjardins de La Nouvelle-Beauce
Caisse Desjardins des Etchemins
Caisse Desjardins du Sud de la Beauce
Caisse Desjardins de Beauce-Centre
Caisse Desjardins des Sommets de la Beauce
Caisse Desjardins du Sud de la Chaudière

Laurentides

Carrefour jeunesse emploi d'Argenteuil - External link. This link will open in a new window. (site in French only)
Phone: 450-566-5766
Contact by email - Carrefour jeunesse emploi d'Argenteuil

Carrefour jeunesse-emploi Thérèse-De-Blainville - External link. This link will open in a new window. (site in French only)
Phone: 450-437-1635
Contact by email - Carrefour jeunesse-emploi Thérèse-De-Blainville

Carrefour jeunesse-emploi de Mirabel - External link. This link will open in a new window. (site in French only)
Phone: 450-420-6262
Contact by email - Carrefour jeunesse-emploi de Mirabel

Carrefour jeunesse-emploi de la MRC Deux-Montagnes - External link. This link will open in a new window. (site in French only)
Phone: 450-974-1635
Contact by email - Carrefour jeunesse-emploi de la MRC Deux-Montagnes

Carrefour jeunesse-emploi de la MRC des Laurentides - External link. This link will open in a new window. (site in French only)
Phone: 819-425-1200
Contact by email - Carrefour jeunesse-emploi de la MRC des Laurentides

Carrefour jeunesse-emploi des Pays-d'en-Haut - External link. This link will open in a new window. (site in French only)
Phone: 450-227-0074
Contact by email - Carrefour jeunesse-emploi des Pays-d'en-Haut

Carrefour jeunesse-emploi Rivière-du-Nord - External link. This link will open in a new window. (site in French only)
Phone: 450-431-5253
Contact by email - Carrefour jeunesse-emploi Rivière-du-Nord

Partners of:
Caisse Desjardins d'Argenteuil
Caisse Desjardins de l'Envolée
Caisse Desjardins de la Vallée des Pays-d'en-Haut
Caisse Desjardins de Mont-Tremblant
Caisse Desjardins de la Rouge
Caisse Desjardins de Saint-Eustache-Deux-Montagnes
Caisse Desjardins du Cœur des Hautes-Laurentides
Caisse Desjardins du Lac des Deux-Montagnes
Caisse Desjardins Thérèse-de-Blainville
Caisse populaire Desjardins de Sainte-Agathe-des-Monts
Caisse populaire Desjardins de Mirabel
Caisse Desjardins de la Rivière-du-Nord

Richelieu-Yamaska

Carrefour jeunesse-emploi Comtés Iberville/St-Jean - External link. This link will open in a new window. (site in French only)
Phone: 450-347-4717
Contact by email - Carrefour jeunesse-emploi Comtés Iberville/St-Jean

Carrefour jeunesse-emploi Comté de Johnson - External link. This link will open in a new window. (site in French only)
Phone: 450-546-0311
Contact by email - Carrefour jeunesse-emploi Comté de Johnson

Espace carrière (Saint-Hyacinthe) - External link. This link will open in a new window. (site in French only)
Phone: 450-771-4500
Contact by email - Espace carrière (Saint-Hyacinthe)

Carrefour jeunesse-emploi de Pierre-De Saurel - External link. This link will open in a new window. (site in French only)
Phone: 450-743-1441
Contact by email - Carrefour jeunesse-emploi de Pierre-De Saurel

Intégration Compétences - External link. This link will open in a new window. (Mont-Saint-Hilaire, Chambly, Saint-Basile-le-Grand) (site in French only)
Phone: 450-464-4481
Contact by email - Intégration Compétences. External link. This link will open in a new window.

Partners of:
Caisse populaire Desjardins d'Acton Vale-Rivière Noire
Caisse Desjardins de Beloeil-Mont-Saint-Hilaire
Caisse Desjardins de la Pommeraie
Caisse Desjardins de la Région de Saint-Hyacinthe
Caisse Desjardins de la Seigneurie de Ramezay
Caisse Desjardins de Rouville
Caisse Desjardins du Haut-Richelieu
Caisse Desjardins Pierre-De Saurel
Caisse Populaire de St-Théodore d'Acton
Caisse populaire Desjardins du Bassin-de-Chambly

Rive-Sud de Montréal

Place à l'Emploi (Longueuil) - External link. This link will open in a new window. (site in French only)
Phone: 450-646-1030
Contact by email - Place à l'Emploi (Longueuil)

Carrefour jeunesse-emploi Saint-Hubert - External link. This link will open in a new window. (site in French only)
Phone: 450-678-7644
Contact by email - Carrefour jeunesse-emploi Saint-Hubert. External link. This link will open in a new window.

Intégration Compétences - External link. This link will open in a new window. (site in French only)
Phone: 450-464-4481 (Saint-Basile-le-Grand)
Contact by email - Intégration Compétences. External link. This link will open in a new window.

PS Jeunesse - External link. This link will open in a new window. (site in French only)
Phone: 450-377-9155
Contact by email - PS Jeunesse

Carrefour jeunesse-emploi Beauharnois-Salaberry - External link. This link will open in a new window. (site in French only)
Phone: 450-373-6767
Contact by email - Carrefour jeunesse-emploi Beauharnois-Salaberry

Carrefour jeunesse-emploi La Prairie - External link. This link will open in a new window. (site in French only)
Phone: 450-845-3848
Contact by email - Carrefour jeunesse-emploi La Prairie

Centre d’intégration jeunesse adulte - External link. This link will open in a new window.
Phone: 450-671-8949
Contact by email - Centre d’intégration jeunesse adulte

Alliance carrière travail (ACT) - External link. This link will open in a new window.
Phone: 450-926-2200
Contact by email - Alliance carrière travail (ACT)

Partners of
Caisse Desjardins de Saint-Hubert
Caisse Desjardins du Mont-Saint-Bruno
Caisse Desjardins du Vieux-Longueuil
Caisse Desjardins Pierre-Boucher
Caisse Desjardins de Châteauguay
Caisse Desjardins des Seigneuries de la frontière
Caisse populaire Kahnawake
Caisse Desjardins de l'Ouest de la Montérégie
Caisse Desjardins du Haut-Saint-Laurent
Caisse Desjardins de Salaberry-de-Valleyfield
Caisse populaire Desjardins Beauharnois
Caisse populaire de La Prairie
Caisse Desjardins de Brossard
Caisse Desjardins Charles-Lemoyne
Caisse Desjardins des Moissons-et-de-Roussillon

Saguenay-Lac-Saint-Jean

Carrefour jeunesse-emploi Saguenay - External link. This link will open in a new window. (site in French only)
Phone: 418 697-0634
Contact by email - Carrefour jeunesse-emploi Saguenay

Centre populaire de Roberval - External link. This link will open in a new window. (site in French only)
Phone: 418-275-4222
Contact by email - Centre populaire de Roberval

Service budgétaire Lac-Saint-Jean-Est (Alma) - External link. This link will open in a new window. (site in French only)
Phone: 418 668-2148
Contact by email - Service budgétaire Lac-Saint-Jean-Est (Alma)

Service budgétaire et communautaire de la MRC Maria-Chapdelaine (Dolbeau-Mistassini) - External link. This link will open in a new window. (site in French only)
Phone: 418-276-1211
Contact by email - Service budgétaire et communautaire de la MRC Maria-Chapdelaine (Dolbeau-Mistassini)

Service budgétaire de Saint-Félicien - External link. This link will open in a new window. (site in French only)
Phone: 418-679-4646
Contact by email - Service budgétaire de Saint-Félicien

Cégep de Jonquière - External link. This link will open in a new window. (site in French only)
Phone: 418-547-2191

Partners of:
Caisse Desjardins d'Arvida-Kénogami
Caisse Desjardins de Chicoutimi
Caisse Desjardins de Jonquière
Caisse Desjardins de La Baie
Caisse Desjardins de la Rivière-Nord du Saguenay
Caisse Desjardins des Cinq-Cantons
Caisse Desjardins du Domaine-du-Roy
Caisse Desjardins du Bas-Saguenay
Caisse Desjardins du Nord du Lac-Saint-Jean
Caisse Desjardins du Pekuakami
Caisse populaire Desjardins d'Alma
Caisse populaire Desjardins des Plaines boréales

Western Montreal

Carrefour jeunesse-emploi Montréal Centre-ville - External link. This link will open in a new window. (site in French only)
Phone: 514-875-9770
Contact by email - Carrefour jeunesse-emploi Montréal Centre-ville (site in French only)

Carrefour jeunesse-emploi de l'Ouest-de-l'Île - External link. This link will open in a new window. (site in French only)
Phone: 514-782-0433
Contact by email - Carrefour jeunesse-emploi de l'Ouest-de-l'Île (site in French only)

Carrefour jeunesse-emploi de Côte-des-Neiges, Mont-Royal et Outremont - External link. This link will open in a new window. (site in French only)
Phone: 514-342-5678
Contact by email - Carrefour jeunesse-emploi de Côte-des-Neiges, Mont-Royal et Outremont (site in French only)

Carrefour jeunesse-emploi Notre-Dame-de-Grâce - External link. This link will open in a new window. (site in French only)
Phone: 514-482-6665
Contact by email - Carrefour jeunesse-emploi Notre-Dame-de-Grâce (site in French only)

Carrefour jeunesse-emploi Ahuntsic-Bordeaux-Cartierville - External link. This link will open in a new window. (site in French only)
Phone: 514-383-1136
Contact by email - Carrefour jeunesse-emploi Ahuntsic-Bordeaux-Cartierville (site in French only)

Carrefour jeunesse-emploi de Verdun - External link. This link will open in a new window.
Phone: 514-767-9971
Contact by email - Carrefour jeunesse-emploi de Verdun

Destination Travail du Sud-Ouest de l'Île Montréal Inc. - External link. This link will open in a new window.
Phone: 514-368-1832
Contact by email - Destination Travail du Sud-Ouest de l'Île Montréal Inc.

Carrefour jeunesse-emploi Centre-Sud/Plateau Mont-Royal/Mile-End - External link. This link will open in a new window. (site in French only)
Phone: 514-528-6838
Contact by email - Carrefour jeunesse-emploi Centre-Sud/Plateau Mont-Royal/Mile-End (site in French only)

Carrefour jeunesse-emploi Saint-Laurent - External link. This link will open in a new window. (site in French only)
Phone: 514-855-1616
Contact by email - Carrefour jeunesse-emploi Saint-Laurent (site in French only)

Carrefour jeunesse-emploi Vaudreuil-Soulanges - External link. This link will open in a new window. (site in French only)
Phone: 450-455-3185
Contact by email - Carrefour jeunesse-emploi Vaudreuil-Soulanges (site in French only)

Carrefour jeunesse-emploi de Marquette - External link. This link will open in a new window. (site in French only)
Phone: 514-634-0450
Contact by email - Carrefour jeunesse-emploi de Marquette (site in French only)

Regroupement économique et social du Sud-Ouest (RESO) - External link. This link will open in a new window.
Phone: 514-931-5737
Contact by email - Regroupement économique et social du Sud-Ouest (RESO)

Partners of:
Caisse Desjardins du Sud-Ouest de Montréal
Caisse Desjardins du Quartier-Latin de Montréal
Caisse Desjardins du Centre-nord de Montréal
Caisse Desjardins du Plateau-Mont-Royal
Caisse Desjardins des Versants du mont Royal
Caisse Desjardins de Notre-Dame-de-Grâce
Caisse Desjardins de l’Île-des-Sœurs–Verdun
Caisse Desjardins de Lachine
Caisse Desjardins de Vaudreuil-Soulanges
Caisse Desjardins de Bordeaux—Cartierville—Saint-Laurent
Caisse Desjardins de l’Ouest-de-l’Île
Caisse Desjardins de Lasalle
Caisse Desjardins du Complexe Desjardins