This handbook is a result of a series of Community Engagement Gatherings in 2011/2012. These gatherings were designed to allow members of Toquaht Nation to voice theri opinions and indeas about community planning and land use.

HOW TO USE THIS TOOLKIT: This toolkit is intended as a resource for individuals from a range of backgrounds. It can serve as an introduction for novices or as a refresher for those with more experience.

12.1 Objective

11.1 Objective

This section covers why and how to save money. Chances are if you are earning money, you are spending money, and if you are spending money you should be saving money too.

10.1 Objective

A 2004 study noted that some Aboriginal people have never had contact with a financial institution nor had their parents. Financial institutions offer many benefits for managing your money; it’s unfortunate that many Aboriginal people do not access them.

5.1 Objectives

This section gives you a good understanding of what a budget is and how it works to help you organize your income and spending habits. After reading this section, you should understand the following concepts:

4.1 Objectives

9.1 Objective

This section gives you a good understanding of how credit cards work. You will learn about the benefits and pitfalls of having a credit card. You will also learn about the different kinds of credit cards and what to do if you get into too much credit card debt.

After reading this section, you should understand the following concepts:

8.1 Objective