Money Talking About - 2021 Calendar - Manitoba Securities Commission
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Talking
About
Money
2021 Calendar
moneysmartmanitoba.caMoneySmart 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
moneysmartmanitoba.caLet’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 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 Contest open to Manitoba Residents of all ages, January 1 – February 28, 2021 at 9 a.m. CST
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)
January Money Tip
The best way to manage a credit card is to
pay off the balance in full each month.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
New Year’s Day
1 2
It’s #MoneySmartMonday! Orthodox Christmas Eve Orthodox Christmas Day
Follow us for unique
money tips.
3 4 5 6 7 8 9
Orthodox New Year’s Eve Orthodox New Year’s Day
10 11 12 13 14 15 16
17 18 19 20 21 22 23
Robert Burns Day Family Literacy Day
24 | 31 25 26 27 28 29 30
Grow your financial knowledge at
moneysmartmanitoba.caInvest 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)
February Money Tip
Help save for your child’s education, invest in
a RESP. Enjoy tax-free growth until they enter
post-secondary school.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
It’s #MoneySmartMonday! Groundhog Day
Follow us for unique
money tips.
1 2 3 4 5 6
Chinese New Year
Festival du Voyageur
Begins
7 8 9 10 11 12 13
Valentine’s Day Louis Riel Day Ash Wednesday
14 15 16 17 18 19 20
21 22 23 24 25 26 27
RRSP SEASON
28
Grow your financial knowledge at
moneysmartmanitoba.caIt’s Fraud
Prevention Month
Join the conversation
Fraud Prevention Month
#talkingfamilies
For money tips and
financial insights follow
us on Social Media:
https://www.facebook.com
/moneysmartmanitoba
@MoneySmartMB
“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)March Money Tip
Nearly 5% of Manitobans have been a victim of
fraud. Know the signs and how to protect yourself.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
It’s #MoneySmartMonday!
Follow us for unique
money tips.
1 2 3 4 5 6
International
Women’s Day
7 8 9 10 11 12 13
Daylight Saving World Consumer St. Patrick’s Day Spring Equinox
Begins Rights Day
14 15 16 17 18 19 20
GLOBAL MONEY WEEK Passover Begins
21 22 23 24 25 26 27
Palm Sunday
FRAUD PREVENTION MONTH
28 29 30 31
Grow your financial knowledge at
moneysmartmanitoba.caTalk with Our Kids About Money! “ 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)
April Money Tip
Teach children about saving money by creating
a small savings goal for something they want.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
Good Friday
1 2 3
Easter Sunday Easter Monday
Passover Ends
4 5 6 7 8 9 10
Ramadan Begins Vaisakhi
11 12 13 14 15 16 17
Talk With Our Kids Earth Day
About Money Day
(TWOKAM)
18 19 20 21 22 23 24
WILL WEEK Orthodox Good Friday
25 26 27 28 29 30
Grow your financial knowledge at
moneysmartmanitoba.caIt’s Home Buying Season
“ 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)May Money Tip
Save money in the long term- put 20% down on your
home and avoid having to buy mortgage insurance.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
1
Orthodox Easter It’s #MoneySmartMonday! EMERGENCY
Sunday Follow us for unique PREPAREDNESS WEEK
money tips.
2 3 4 5 6 7 8
Mother’s Day Eid al-Fitr
9 10 11 12 13 14 15
16 17 18 19 20 21 22
Victoria Day
23 | 30 24 | 31 25 26 27 28 29
Grow your financial knowledge at
moneysmartmanitoba.caIt’s Seniors’ Month
Join the conversation
#talkingfamilies
Seniors’ Month in Canada
For money tips and
financial insights follow
us on Social Media: “ When my late husband was ill, I
https://www.facebook.com wish I had pursued the tax credits
/moneysmartmanitoba
@MoneySmartMB
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)June Money Tip
Financial abuse is the most common type of abuse
suffered by older Manitobans. Know the signs.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
1 2 3 4 5
It’s #MoneySmartMonday! Philippines
Follow us for unique Independence Day
money tips.
6 7 8 9 10 11 12
World Elder Abuse
Awareness Day
(WEAAD)
13 14 15 16 17 18 19
Father’s Day National Indigenous
Peoples Day
Summer Solstice
20 21 22 23 24 25 26
National Insurance
Awareness Day
SENIORS’ MONTH
27 28 29 30
Grow your financial knowledge at
moneysmartmanitoba.caInsure Your Future
“ 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)July Money Tip
Insurance helps protect against costs associated
with accidents, illness, disability, and death.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
Canada Day International Day
of Co-operatives
1 2 3
It’s #MoneySmartMonday!
Follow us for unique
money tips.
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
Islendingadagurinn
- The Icelandic Festival
Begins
25 26 27 28 29 30 31
Grow your financial knowledge at
moneysmartmanitoba.caTime to Build Your
Back to School Budget
“ 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)August Money Tip
A rule of thumb is to have three months’ salary
in savings in case of an emergency.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
Terry Fox Day
1 2 3 4 5 6 7
International Day
of the World’s
Indigenous Peoples
Muharram
Islamic New Year
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30 31
Grow your financial knowledge at
moneysmartmanitoba.caShare Your Knowledge
with Your Kids!
“ 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)September Money Tip
Help kids become financially responsible. Get a free
copy of Make It Count: A Parent’s Guide to Youth
Money Management.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
1 2 3 4
International Day of Labour Day
Charity
Rosh Hashanah Begins
5 6 7 8 9 10 11
It’s #MoneySmartMonday! Yom Kippur
Follow us for unique
money tips.
12 13 14 15 16 17 18
Fall Equinox
19 20 21 22 23 24 25
International Right International
to Know Day Translation Day
26 27 28 29 30
Grow your financial knowledge at
moneysmartmanitoba.caIt’s Investor
Education Month
Join the conversation
Investor Education Month
#talkingfamilies
For money tips and
financial insights follow
us on Social Media:
https://www.facebook.com
/moneysmartmanitoba
@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)October Money Tip
Risk tolerance refers to your comfort level surrounding
the ups and downs of your investment returns.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
International Day
for Older Persons
INVESTOR EDUCATION MONTH
1 2
It’s #MoneySmartMonday! WORLD INVESTOR WEEK
Follow us for unique
money tips.
3 4 5 6 7 8 9
Thanksgiving Day
10 11 12 13 14 15 16
International
Credit Union Day
17 18 19 20 21 22 23
Halloween
24 | 31 25 26 27 28 29 30
Grow your financial knowledge at
moneysmartmanitoba.caIt’s Financial
Literacy Month!
Join the conversation
Financial Literacy Month
#talkingfamilies
For money tips and
financial insights follow
us on Social Media:
“ I moved out of my parents’ house into an
https://www.facebook.com
apartment when I was in my last year of
/moneysmartmanitoba
university. Up to that point, I did not have
@MoneySmartMB
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)November Money Tip
SMART financial goals are: Specific, Measurable,
Attainable, Realistic, and Time-sensitive.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
It’s #MoneySmartMonday! Diwali
Follow us for unique
money tips.
1 2 3 4 5 6
Daylight Saving Remembrance
Ends Day
7 8 9 10 11 12 13
14 15 16 17 18 19 20
21 22 23 24 25 26 27
First Night of Hanukkah
FINANCIAL LITERACY MONTH
28 29 30
Grow your financial knowledge at
moneysmartmanitoba.caMake 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)
December Money Tip
Credit and debt counseling organizations can help
you solve your debt problems so you can rebuild
your financial future.
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY
1 2 3 4
Last Night of
Hanukkah
5 6 7 8 9 10 11
It’s #MoneySmartMonday!
Follow us for unique
money tips.
12 13 14 15 16 17 18
Winter Solstice Christmas Eve Christmas Day
19 20 21 22 23 24 25
Boxing Day NewYear’s Eve
26 27 28 29 30 31
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