Financial Foundations II: Credit & Debt (English)

About the Financial Foundations Series

This free, practical workshop series is designed to help you feel more confident managing your money, no matter where you’re starting from. Through open and supportive conversations, we’ll break down everyday financial topics and focus on real-life skills you can use right away.

These workshops are ideal for anyone receiving Ontario Works or anyone looking to gain more control over their finances. No prior knowledge or experience is needed.

Let’s talk about money - because your financial future matters.

Financial Foundations II: Credit & Debt

Credit and debt can feel confusing or overwhelming, but they don’t have to be. This workshop breaks down what credit really means and how debt works, in clear and simple terms.

You’ll learn how to:

• Understand what credit is, how it works, and how it affects your financial future
• Identify the main forms of credit
• Understand the cost of credit, including interest and fees
• Understand how credit cards work, including billing cycles
• Know what a credit rating is, its impact, and how to monitor and maintain it
• Recognize and avoid predatory lending practices
• How to manage debt effectively, stay in control of it, and reduce financial stress

This session is all about understanding your options and making informed choices, without judgment.

Know what’s Happening Next — before everyone else does.

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Host or Publisher EBO