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This Padlet was created to share our thoughts on the everyday struggle of personal budgeting

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https://www.bing.com/videos/search?q=canadian+personal+budget+template&&view=detail&mid=59B989A3A65ECA71B82859B989A3A65ECA71B828&&FORM=VRDGAR

This video is very quick and to the point, if you have time to surf Facebook, then you have time to watch this video, and even attempt to make your budget! What we enjoy most about this video is the straight forward approach and the idea of doing a personal budget in under 20 minutes. Her explanation of how to use the program was easy to follow and made my life and setting it up a lot easier!

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This is a government of Ontario website that helps people with costs and learn how to budget. It shows what you can be eligible for with getting help with certain things. It has everything from from child care, mental health care, income security, jobs, schooling, and help for seniors. Ontario has a lot of benefits to help people. One example is that seniors get free medication.

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Budget 2018: A plan for care and opportunity

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This is a sheet I found online that will help families or single people properly learn how to handle their money. When doing the budget assignment this semester, I learned how my money went to so much useless stuff and how much money I just spent on Tim Horton's alone. Seeing all that money being wasted really made me want to take control of my money so I am able to save up. This sheet helps you know how much money you have, the bills you should spend it on, and how to handle your leftover money. When things are in writing and being tracked like this, you understand your finances better instead of just tapping your debit card at random stores while not paying attention to how much money you are spending.

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Image #1 A money challenge to save money

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Image #1 A money challenge to save money

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We thought this was really cool. It's a 52 week challenge that helps you save up to $2,756 dollars! Each week you put a certain amount and it starts at only $2. Each week, the amount you put in grows by 2$ each and the final payment is $104. This challenge is awesome to try out, especially if you are tying to save for a vacation or even to keep it as an emergency fund. I know having a sheet like this on my wall would really help me and be hard to ignore and quit.

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https://www.bing.com/videos/search?q=canadian+personal+budget+template&&view=detail&mid=C7A03E442AD0782EA7EAC7A03E442AD0782EA7EA&&FORM=VRDGAR

This video stands out the most to me, it helps you create long term/yearly goals, and organize your monthly bills. They are all kept in this book and will always be handy and when it comes time for tax season, so you wont have to ruffle through your loose paper drawer to find your bills, they can and should be in this binder! It could just be me but having the color coated binder helps keep it in order and is an easy set up.

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To me, this is an amazing idea to have available for people to use. It's online workshops for many things including budgeting, finances, and has credit education. This website will help teach people to make better financial choices, save money, and pay their bills. I just found this website today, but I plan to use it from now on, because it will show me how to properly budget and maintain my savings. They have online webinars and workshops that you can access at all times.

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Free Money, Budget, & Credit Courses & Workshops | Debt & Credit Education | Canada | My Money Coach

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Find a free credit or budgeting workshop near you. All workshops are provided by local, non-profit experts who offer debt & credit education services to their communities.

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This is another government website that can help out a lot of people with budgeting. It has calculators for budgets, financial goals, mortgages, vehicle lease or buy calculator, retirement income, and even a calculator to figure out your credit card payment. It has tools that will compare bank accounts you can get, credit cards, and to see if you will be qualified for a mortgage, All of these things are on only one web page, and can really help a person plan their budget and figure out their financial goals. If someone is worried, they can even take a financial literacy quiz to find out what they can do to improve.

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Financial tools and calculators - Canada.ca

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Tools to help you choose a bank account and credit card, including budget and mortgage calculators.

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This is another budget sheet, but I wanted to include it because there is such thing as surprise expenses. This is why I always think it's a good idea to have a savings account or an emergency fund. You never know when random charges an pop up. Just this month I found out my phone bill is over $300 dollars instead of the usual $160. Or someone could not have unlimited internet at their home and go over it, causing a big bill. This will help someone track what their usual bills are, and when they do get surprise charges, they can figure out what happened to prevent it from happening again.

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Video #2. The Zero Budget Envelope System!

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Video #2. The Zero Budget Envelope System!

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https://www.bing.com/videos/search?q=canadian+personal+budget+template&&view=detail&mid=F9BEC3D9540E995DB7CBF9BEC3D9540E995DB7CB&&FORM=VRDGAR

Sitting down at the table with my boyfriend and doing this with him was a treat, laying out all of his bills and income in this formula really opened his eyes to where his money is going and how much of it is going towards the important things. Breaking down weekly payments and using this math equation is a very neat way to create learning opportunities and open your eyes to where all your hard earned money goes.

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Reflection