Participants explore the benefits of good money management and the consequences of not properly managing their money. They learn how to develop a spending plan, with emphasis placed on identifying sources of income and expenses, setting financial goals, evaluating habits, and understanding the differences between needs and wants. They learn about different options for saving money and the importance of reviewing their spending plan to ensure they are reaching their goals. Participants explore different ways of paying for post-secondary education, and the basics of credit and debt.