Month 1: Budgeting Basics
Learn to manage personal finances and understand the importance of budgeting in daily life.
overview
Project Overview.
The Youth Financial Upskill Program (YFUP) is designed to help BIPOC youth gain the knowledge, tools, and confidence to make smart financial decisions. The program equips participants with practical money skills, career readiness support, and guidance for long-term financial stability.
Highlight
Who It's For
BIPOC youth aged 13—18
Especially geared towards those navigating school, early employment, or first-time financial independence
Open to youth interested in building financial knowledge and life skills
Program Format
Key Features
Structured, interactive sessions with hands-on learning
Group sizes designed to encourage participation and peer learning
Supportive environment where youth can ask questions, share experiences, and build confidence
The curriculum is comprised of
Month 2: Setting SMART Goals
Introduction to Specific, Measurable, Achievable, Relevant, and Time-bound goals, focusing on financial objectives.
Month 3: Savings Strategies
Various techniques for saving money, including setting savings goals and understanding the benefits of starting early.
Month 4: Scholarship and Grant Writing
Scholarships and grants, including tips for writing effective applications.
Month 5: Basics of Banking
Overview of banking services for teenagers, including checking and savings accounts, and how to use them responsibly.
Month 6: Understanding Taxes and Paychecks
Explaining how taxes work and how to read a paycheck.
Month 7: Planning for College
Financial considerations for higher education, including budgeting for college expenses.
Month 8: Consumer Awareness
How to be a savvy consumer, understanding advertising, and making informed purchasing decisions.
From the people who participated
Impact and Testimonials
Impact: The program has equipped over 500 young students with the skills to manage their finances effectively.
Testimonials: “YFUP helped me understand how to save and set goals for my future. I now feel more prepared to handle money wisely.” — Mia, 16, Participant.
From the people who participated
Why YFUP Matters
YFUP helps BIPOC youth bridge the gap between education and financial independence, empowering them to make informed choices, build wealth over time, and create opportunities for personal and professional growth.
Our Program Sponsors
FLOW is a Black-led non-profit organization focused on strengthening financial knowledge, skills, and capability amongst vulnerable Black youth & young adults in Hamilton, Ontario.
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