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November is Financial Literacy Month.

This year’s theme is "Take charge of your finances!" It’s our job as your credit union to make sure you’ve got all the tools in your toolkit to manage your finances and get the most out of your hard-earned money.

Stay tuned during the month of November for tips and tricks, worksheets, videos and more to make sure you're up-to-speed on today’s money management. We’ll keep all the materials handy for you here.

Naming my accounts made it easy to manage my finances. For example, my accounts are named "Cover Expenses," "Spend a Little," "Save for Later" and "Do Not Touch."

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Do you follow a budget?

More than 50% of Manitobans don’t use a budget system to track spending. Here’s why you need a budget and some of the most common ways to do it.

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Setting financial goals.

If you’re wondering when is the best time to start setting financial goals, the answer is NOW. Here’s how.

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Is there a best way to save?

We want to help take the guess-work out of saving money. We’ve compiled a list of some of the ways you can watch your money grow.

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Check your couch cushions for change.

In today’s economy, by the time you pay your bills and living expenses, there isn’t always any money left over to save. Here are some of the ways you can “find” money to save in unexpected places.

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Maximizing RRSPs.

Are you wondering how you can get an RRSP to work for you? The previous year’s tax deadline is in March. Here’s how you can use last-minute RRSP contributions to offset your income tax.

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Borrowing money wisely.

When borrowing money, it’s important not to bite off more than you can chew. Here are some ground rules for borrowing money wisely.

TOOLS + RESOURCES

Home Budget Calculator

Managing a budget can be a frustrating and daunting task. One of the most important aspects of controlling a budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see where your money is going and how to increase savings.

Personal Debt Consolidator

Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances by clicking on the 'Enter Data' button for each category, then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Click the 'View Report' button for detailed results.

Student Budget Tool

Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. This calculator allows you to input your expenses and income for an eight-month school year running from September through April.

Financial Consumer Agency

The Financial Consumer Agency of Canada (FCAC) ensures federally regulated financial entities comply with consumer protection measures, promotes financial education and raises consumers’ awareness of their rights and responsibilities.