talking about money · 2021. 2. 10. · money tips. 6 13 20 27 5 12 19 26 7 14 21 28 30 1 8 15 22...

Talking About

Money

2021 Calendarmoneysmartmanitoba.ca

moneysmartmanitoba.ca

MoneySmart Manitoba provides unbiased information and tools

to help build confidence and tackle money issues that many

Manitobans may face. We encourage Manitobans to grow their

financial knowledge by helping:

• Families talk about and plan together their financial futures

• Communities share goals and values around money

Every individual begin and continue their financial journey

no matter what their experience

Let’s talk about Money! MoneySmart Manitoba asked Manitobans to share their best “money do-over ” tips. There’s one piece of advice for each month.

Can you relate to them?

Enter Our 2021 Calendar Contest

Contest open to Manitoba Residents of all ages, January 1 – February 28, 2021 at 9 a.m. CST

It’s your turn to talk about money and have a chance to win! For many of us, the challenges of COVID-19 have brought about changes to the way we manage our finances. Has COVID-19 changed your financial habits for the better? Tell us one positive financial change you made to either stretch a dollar, save more, or invest differently. What’s your answer? All are welcome!

Enter for a chance to win a MoneySmart Manitoba Prize Package!

Follow us on Twitter @MoneySmartMB and facebook.com/moneysmartmanitoba

Visit the website for ideas—and get writing!

For full contest details and rules, visit:

moneysmartmanitoba.ca/contests

The Importance of Budgeting

“Until I began using this great website as a tool to learn how to budget properly, I have struggled paycheque to paycheque. I *wish* that I would have been better educated on the importance of interest rates and how they can accumulate and can cause serious debt increase.” - Cassandra K. (18 and Over Category)

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Money TipThe best way to manage a credit card is to pay off the balance in full each month.

Grow your financial knowledge at moneysmartmanitoba.ca

January

It’s #MoneySmartMonday! Follow us for unique money tips.

New Year’s Day

Orthodox Christmas Day

Orthodox New Year’s DayOrthodox New Year’s Eve

Family Literacy DayRobert Burns Day

Orthodox Christmas Eve

Invest in Quality

“When I bought my first car, I looked for the cheapest car on the market. I bought a ‘beater.’ The car cost $1,000, but I spent $4,000 in repairs in the first year and a half. Next time, I would just buy a relatively more expensive, yet reliable, vehicle.” - Ryan C. (18 and Over Category)


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Money TipHelp save for your child’s education, invest in a RESP. Enjoy tax-free growth until they enter post-secondary school.

February

Valentine’s Day Louis Riel Day

Festival du VoyageurBegins

Groundhog Day

Chinese New Year

Ash Wednesday


RRSP SEASON

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“I started working at age 15, and a year later I had saved $6,000, which grew over the years. Shortly after I turned 18, I spent my savings in bars, shopping, or paying for my ‘friends’ purchases. Now, every time I make a large purchase, like planning my wedding or buying a house, I wish I would’ve been better with my money.”

- Valerie H. (18 and Over Category)

It’s Fraud Prevention MonthJoin the conversation #talkingfamiliesFor money tips and financial insights follow us on Social Media:

https://www.facebook.com /moneysmartmanitoba

@MoneySmartMB

Fraud Prevention Month


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Money TipNearly 5% of Manitobans have been a victim of fraud. Know the signs and how to protect yourself. March

St. Patrick’s Day Spring Equinox

Passover Begins

World Consumer Rights Day

Daylight SavingBegins

GLOBAL MONEY WEEK

International Women’s Day

Palm Sunday



FRAUD PREVENTION MONTH

“I spent close to $100 on a video game last year. I barely play it now. Looking back, I wish I saved that money. Now that I’ll be getting my driver’s license soon, I could have saved that money for gas or put it towards my license fees to help my parents.” - Dean G. (14 -18 Age Category)

Talk with Our Kids About Money!


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April

Easter Monday

Ramadan Begins

Talk With Our Kids About Money Day(TWOKAM)

Earth Day

Vaisakhi

Easter Sunday

Passover Ends

Good Friday

Orthodox Good FridayWILL WEEK

Money TipTeach children about saving money by creating a small savings goal for something they want.


“My money ‘do over?’ Our house—not that we wouldn’t have still bought it, I just wish we hadn’t let the seller’s declaration of previous incidents hold so much weight. It led us to believe we didn’t need an inspection, and now it turns out we absolutely should have gotten one.” - Candace H. (18 and Over Category)

It’s Home Buying Season


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Money TipSave money in the long term- put 20% down on your home and avoid having to buy mortgage insurance.

May

Mother’s Day Eid al-Fitr

EMERGENCY PREPAREDNESS WEEK

Victoria Day

Orthodox Easter Sunday


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It’s Seniors’ MonthJoin the conversation #talkingfamiliesFor money tips and financial insights follow us on Social Media:


@MoneySmartMB

“When my late husband was ill, I wish I had pursued the tax credits and financial assistance programs available, like the Disability Tax Credit, the Pharmacare Program, and the Child Tax Credit. It would have helped our family so much. I felt so overwhelmed by managing all the details of his illnesses that I couldn’t cope with more paperwork.” - Jacqueline C (18 and Over Category)

Seniors’ Month in Canada


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Money TipFinancial abuse is the most common type of abuse suffered by older Manitobans. Know the signs.

June

Philippines Independence Day

Father’s Day

Summer Solstice

National Indigenous Peoples Day

National Insurance Awareness Day

World Elder Abuse Awareness Day (WEAAD)


SENIORS’ MONTH

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“My husband and I wanted to simultaneously buy a home and host our wedding but did not have enough saved for both. As you cannot take a loan for a down payment, we took out a line of credit for our wedding with a large limit. We spent years paying interest that we could have avoided if we were more patient.” - Amanda D. (18 and Over Category)

Insure Your Future


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Money TipInsurance helps protect against costs associated with accidents, illness, disability, and death.

JulyCanada Day International Day

of Co-operatives

Islendingadagurinn- The Icelandic Festival Begins


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“If I could go back with the knowledge that I have now, I would have established my emergency fund and set aside 10% savings when I started working at age 15. Thinking about the money that has slipped through my hands and the compounding interest I didn’t benefit from motivates me to keep my financial goals in focus now.” - Alana N. (18 and Over Category)


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Money TipA rule of thumb is to have three months’ salary in savings in case of an emergency.

AugustTerry Fox Day

International Day of the World’s Indigenous Peoples

Muharram Islamic New Year


“I wish I was involved in my family finances. When my husband passed away, I was 40 and I didn’t even know how to pay bills online. Once I got over the initial fear and I realized it wasn’t as hard as I anticipated, it was liberating. I have taught my children the important lessons needed to be financially responsible.” - Sherryl H. (18 and Over Category)

Share Your Knowledge with Your Kids!



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Money TipHelp kids become financially responsible. Get a free copy of Make It Count: A Parent’s Guide to Youth Money Management.

September

Labour Day

Rosh Hashanah Begins

Yom Kippur

Fall Equinox

International Right to Know Day

International Translation Day

International Day of Charity


Investor Education MonthIt’s Investor Education MonthJoin the conversation #talkingfamiliesFor money tips and financial insights follow us on Social Media:


@MoneySmartMB

“I wish I would have started putting money into RRSPs when I was 18, even $10 a week. I didn’t start my retirement savings until many years later and it would have been great to have those small amounts built up as a starting point.” - Jennifer D. (18 and Over Category)


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Money TipRisk tolerance refers to your comfort level surrounding the ups and downs of your investment returns.

October

Thanksgiving Day

International Dayfor Older Persons

International Credit Union Day

Halloween


WORLD INVESTOR WEEK


INVESTOR EDUCATION MONTH

Financial Literacy MonthIt’s FinancialLiteracy Month!Join the conversation #talkingfamiliesFor money tips and financial insights follow us on Social Media:


@MoneySmartMB

“I moved out of my parents’ house into an apartment when I was in my last year of university. Up to that point, I did not have any student loans. Because I moved out, I needed a student loan. It took me two years to pay it off. If I could have a ‘re-do’ I would finish school before moving out.” - Jacqueline G. (18 and Over Category)


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November

First Night of Hanukkah

Remembrance Day

Daylight Saving Ends

Diwali


FINANCIAL LITERACY MONTH

Money TipSMART financial goals are: Specific, Measurable, Attainable, Realistic, and Time-sensitive.

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Make it a MoneySmart 2022!

“I wish I had not relied on my credit cards at different periods of my life. Too much money went to paying interest to credit card companies. I could have used all of that money for other things like contributing to my son’s education fund or paying down my mortgage more quickly.” - Tammy R. (18 and Over Category)


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Money TipCredit and debt counseling organizations can help you solve your debt problems so you can rebuild your financial future.

December

Christmas EveWinter Solstice

Last Night of Hanukkah

NewYear’s Eve

Christmas Day

Boxing Day



talking about money · 2021. 2. 10. · money tips. 6 13 20 27 5 12 19 26 7 14 21 28 30 1 8 15 22...

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