#Adulting (ADLTN)

Program for Ages 18 to 25


#Adulting provides young adults the information they need to move from being students to being adults. Six 2-hour sessions are designed to be interactive, with questions and feedback encouraged. #Adulting was designed because of the needs of our youth by subject matter experts and is delivered by skilled facilitators.

The program can be delivered virtually, live or recorded or in-person in a round table type setting. Activities are designed to have youth setting goals, making decisions and to teach them about credit cards, scores, debt, credit, cost of buying, organizational skills and preparing for the workforce.

Teacher Led Class

Self Directed Program

Volunteer Facilitated Program



Program Overview

Overall Outcome

To prepare young Nova Scotians for a successful transition into emerging adulthood through the delivery of 6 modules in the areas of Financial Literacy & Workplace Readiness.
This curriculum enhancing program allows students to:

  • acquire knowledge and understanding of a broad range of financial concepts and practices
  • use critical thinking skills to make sound financial decisions
  • communicate understanding of a range of financial and money management concepts
  • apply and express acquired financial knowledge in oral and written forms
  • Targeted for youth aged 18 to 25
  • Teaches through hands-on activities and discussions

Benefits to Youth

  • Personal Financial Literacy
  • Economic/business awareness
  • Direct contact with the business community
  • Confidence around finances, terms and decisions
  • Encourages “smart consumerism” by educating youth about financial literacy

Program Content

Module 1A – Debt

Participants examine various kinds of debt, including loans and interest through key terms, visual aids, collaborative discussions and activities. Participants explore the level of financial risk associated with debt.

Module 1B – Credit

Participants learn important definitions associated with credit, review eligibility criteria, how to access credit information and improve a credit score. Participants understand appropriate applications for credit and how much debt is safe. The module concludes with an in-depth review of identity theft and fraud, including recognizing it, reporting it and stopping it.

Module 2 – Budgeting, Saving and Investing

Participants review the advantages and barriers to personal budgeting, cash flow planning, actual living costs, and the difference between wants and needs from an adult perspective. Participants also explore the advantages of savings, different savings vehicles, opportunities for investments and calculating interest.

Module 3 – Finance, Price vs Cost and Income Tax

In this module, participants investigate the world of finance and learn how to ask the right questions to be a smart consumer. Participants explore various financing options, including hidden fees and extra expenses associated with big purchases. The module also includes a survey of income tax responsibilities, key terms and steps to preparing a tax return.

Module 4 – Skills Inventory

Participants explore work readiness through the development of a skills inventory. Participants learn what employers are looking for and critically examine the process of developing good cover letters and resumes. Participants also practice interview techniques through role play.

Module 5 – Decision Making, Organizational Skills and Goal Setting

Participants explore the role and importance of decision making and goal setting for personal and professional growth. Participants examine different models of decision making through discussion and activities. Goal setting is studied as an internal process necessary to develop accountability and independence. Various ways to organize your workload are explored.

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