Own your financial future: Managing debt and making credit work for you

Understand credit and learn how to take control of your finances.

Time frame: 60 mins

Audience: post-secondary students in their second year of studies

Learning objectives for participants:

  • understand what credit is and how it works
  • learn how debt can pile up and have negative consequences on future financial plans
  • understand the difference between good debt and bad debt, and the value of having a good credit rating
  • learn practical ways to take control of finances


  • how credit works
  • how debt accumulates
  • opportunity cost
  • good debt vs bad debt
  • what you need to know about credit ratings
  • how to take control of your finances before they take control of you
  • resources
  • Q&A

Learning materials:

  • Understanding Your Credit Score — explains credit history, credit reporting and credit score
  • Defining Your Financial Goals — helps define and set financial goals for the next several years
  • Take a Situational Selfie — helps understand current financial situation by looking at budget activity
  • Balancing Your Budget — helps find unnecessary expenses and how much can be saved by cutting them out


For questions, please email us.

Request a session

Want a session in your area? We will provide a CPA volunteer to lead the session with a prepared presentation, activities, handouts and worksheets. Note: If more than one session is needed, please fill out a second form and submit. Eight weeks’ notice is needed to set up a workshop.



Jointly presented by CPA Canada and CPA Ontario, The ONE is the must-attend, multi-track event of the year, designed for all CPAs who want to be at the top of their game.

Our Firm Directory allows you to search for Canadian CPA firms using our interactive map as well as other criteria.

You’re in the eye of the storm amid a swirl of slips, forms and receipts. Chart your way through tax-time turbulence with these updates and resources.