The Monnaie Money September 2013 Newsletter. News and tips for better money and credit card management and financial literacy.

1. MONNAIEMONEY.COM FINANCIAL LITERACY PROJECT
Newsletter
My Priorities! My Future!
Get Informed!
SEPTEMBER 2013
Financial literacy provides the foundation of saving and
investing wisely. It is the basics for the responsible use of
credit and money and the making informed financial
decisions that can affect our families and our future. The
MonnaieMoney Financial Literacy Project will provide
fundamental tools for youth.
The objective of the project is to bridge the gap between what
people know and what they need to know with respect to
personal financial skills and provide opportunities for
personal empowerment and
For the past four years the Carrefour jeunesse-
emploi de Côte-des-Neiges and the Jamaican
Canadian Community Women’s League of Montreal Inc. have been very active in
promoting financial literacy to the wider community in the city of Montreal.
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Connect With Financial
Literacy 2013

2. MONNAIEMONEY.COM SEPTEMBER 2013
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Winning Ideas!
The Carrefour jeunesse-emploi de Côte-des-Neiges and the Jamaican
Canadian Community Women’s League of Montreal Inc. proudly presents the Monnaie-Money Financial Liter
Video Contest.
Participants will be invited individually or as a team to submit a video on the theme of
financial literacy. The video must be at least 2 minutes and a maximum of 3 minutes. The
concept must be clear and represent a situation in regards to financial literacy and personal
finance. Participants will have the freedom to choose their own style. It can be comedy,
satirical or very serious. Originality will be one of the criteria that will be judged upon. The
youth participating must be between 12 and 35 years old and must be residents of Quebec.
Prizes offered will include an I Pad 4 and a cash prize, Laptop computer, video camera, digital
camera and gift cards. The contest will end on October 25, 2013. Winners will be announced
on November 14, 2013 during Financial Literacy Month.
This activity is made possible with support from the Autorité des marches financiers
Education and Good Governance Fund (EGGF), TD Financial Literacy Grant Fund, the
Borough of Côte-des-Neiges- Notre Dame de Grâce, J. Armand Bombardier Foundation,
Foundation of Greater Montreal, Telus Community Investment Montreal, Standard Life,
ING Direct and the Foundation of Greater Montreal
For more information visit www.monnaiemoney.com or our Facebook Page and Twitter Page
Facebook.com/Cjecdn M Monnaie and twitter.com/monnaiemoney.
Source: Mr. Brian Smith, Project Coordinator, 514-342-5678 ext #228
514-817-3941 ou 514-486-5704

3. MONNAIEMONEY.COM SEPTEMBER 2013
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For Credit Education Week, participate in an essay contest to encourage young people to
become aware of their financial decisions. High school students from secondary 5 are
invited to submit an essay of 1000 words describing their dumbest decision with money and
what they learned from it.
ELIGIBILITY: To enter and be eligible to win, you must be a legal resident of Canada
enrolled in a Canadian high school secondary 5 level full-time program throughout
the Competition Period.
WRITE AN ORIGINAL ESSAY – Write an original essay describing the dumbest
thing you’ve done with your money and what you learned from it (the “Essay”). The
Essay is not to exceed 1000 words.
SUBMIT YOUR ENTRY – Submit your entry online at CEWC.ca
For more information please see; www.cewc.ca

4. MONNAIEMONEY.COM SEPTEMBER 2013
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“ Connect with
Financial Literacy 2013”
The Carrefour jeunesse-emploi de Côte-des-Neiges and its financial literacy partners will be hosting
a Financial Literacy Promotional Day Event on Friday November 22, 2013 at the Bibliothèque
et Archives nationales du Québec located at 475 Boulevard de Maisonneuve East Montreal.
The purpose of the activity is to increase the awareness of financial literacy to the general public
across the province of Quebec. The event will consist of promotional booths of financial literacy
partners and key stakeholder in the field of financial literacy. Several organizations that have made
special contributions to financial literacy will be highlighted. The day will end with a panel discussion
on financial literacy with specialists from the financial industry.
If you have any questions please feel free to contact Brian Smith at
(514) 342-5678 ext. 228 / (514) 817-3941 or via email at brian.smith@monnaiemoney.com
www.monnaiemoney.com
https://twitter.com/monnaiemoney
https://www.facebook.com/monnaiemoney
Connect with Financial Literacy

5. MONNAIEMONEY.COM SEPTEMBER 2013
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It has been a long and hot summer in Montreal. Whether you have taken a few weeks
of vacation or worked your first summer job, you probably changed your consumption
patterns for food, clothing and entertainment. Unfortunately, in a few weeks, we
will be heading into the fall months in which some of us will have to invest in
such things as tuition and other school fees, transportation and school supplies.
This being said, it is never too late to start saving money for items that will be
needed in a few weeks or the months ahead. Here are 6 tips to consider.
Tax Yourself
If you have a summer job and will be
ending it in the next few months,
considering imposing a monetary tax
on yourself. By taxing yourself, you
can set aside money when you get paid
for upcoming expenses. This requires
you to be discipline in terms of not
spending the money that you have
saved until the right time versus
buying an item on an impulse.
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Research what you need
An informed shopper can always save money with the right approach.
Primarily, you should take stock of what you need and then use the web to research
such things a price, quantity and other consumers’ opinions.
If you are a student preparing to go back to school, you may want to use a variety of
sites such as Kijiji, eBay, and Amazon to beginning looking for things that you will
need during the fall.
In addition, start looking into second-hand textbooks that you will be using for
classes if you know the courses that you will be taking.
If you decide to wait until the first day of the class, there is a small chance that
the book will be available at a reduced price and in turn, must be purchased at the
regular bookstore price.
Start couponing shopping
With the variety of couponing sites
on the internet, you are able to
save money on certain items for the
fall months. From clothing to
school supplies, e-couponing
requires finding the right site and
clipping the coupons for your
future needs. (For a list of e-
couponing sites, please visit the
Monnaie Money website.)
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Buy In Groups
If you know a group of friends that are interested in the same item, why not buy as
a group. Using websites such as Groupon and Teambuy, you can benefit from
discounts on clothing, beauty products, household items and restaurant deals.
Keep in mind that offers that are available on these websites have an expiring
date attached to them.
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Buy Now and Save Later
Need a laptop computer? A new backpack? Although it is the middle of August, you
should start to identify stores that are going to have “back to school” specials.
Some stores will attempt to get ahead of their competitors by offering sales weeks
before the official “back to school” date. If you are shopping around for
electronics, do not be shy to ask if a store will be having a sale before school
opens and what price will the item be offered at and for how long.
Make A Few Sacrifices
Being aware of what you have to buy in the fall months, you might have to
make a few sacrifices in terms of curbing your late summer expenditures. This
might entail not going out with friends as much as you wish to or waiting until a
certain piece of clothing is on sale. The sacrifices that you will be making might
be difficult to manage especially if it affects your social life, however; they will
pay off in the future when you have to make the necessary expenditures in the fall.
As the weather changes, so do buying patterns. In order to deal with spending for
the fall, individuals must be prepared to find the means to save money as summer
comes to a close.
For more tips, follow MonnaieMoney on Twitter at
https://twitter.com/monnaiemoney
Bio:
Ian Smith is a social media marketing strategist and competitive intelligence
researcher. He has written several articles on the topics of digital
marketing and strategic intelligence gathering tools and techniques for the
past 15 years. He contributes articles dealing with financial literacy topics
based on his personal experiences.
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7. Carrefour Jeunesse-Emploi de Côte-des-Neiges
6555, Côte-des-Neiges, # 240
Montreal, Quebec, H3S 2A6
Jamaican Canadian Community Women’s League of
Montreal, Inc.
5465 Queen Mary Rd, # 330
Montreal, Quebec, H3X 1V5
For more information, contact:
Brian Smith, MonnaieMoney Project Coordinator
(514) 342-5678 ext. 228 / (514) 817-3941
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