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Resources

Free tools, guides, and educational materials to support your financial journey. Everything here is free to access.

Financial Resources

Tools to Support Your Financial Journey

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Budgeting
Budget Planner Guide
A simple step-by-step guide to building a monthly budget that actually works for your income and lifestyle.
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Investing
Investing 101 Starter Guide
Learn the basics of investing — what it is, how it works, and how to get started even with a small amount of money.
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Credit
Understanding Your Credit Score
A plain-language breakdown of how credit scores work, what affects them, and how to build or repair your credit.
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Banking
Banking Basics Guide
Everything you need to know about bank accounts, savings accounts, interest rates, and how to choose the right bank.
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Entrepreneurship
Starting a Business Checklist
A practical checklist covering the key steps to starting a business in Canada — from registering to managing your first finances.
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Taxes
Tax Filing Guide for Youth
A beginner-friendly guide to filing your taxes in Canada — what forms you need, what credits you qualify for, and how to file for free.
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Resource Library

Browse Our Full Library

Browse our collection of free resources designed to help you build financial knowledge and skills. New resources are added regularly.

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Video Tutorials
Step-by-step video lessons on budgeting, credit, investing, and more
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YouTube Channel
Free workshop recordings and financial education content
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Written Guides
Easy to follow guides on money management and financial planning
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Financial Calculators
Tools to help you calculate budgets, savings goals, and more
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Tax Filing Support
Free tax help through our CVITP program every tax season
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Ask Us Anything
Have a financial question? Send us a message and we will help
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Access All Resources in the Learning Portal

Create a free account to get full access to our video library, guides, and educational materials.

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Financial Support

Scholarship Directory

A curated list of scholarships available to Black and equity-deserving youth in Canada.

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Loran Scholarship
One of Canada's most prestigious undergraduate scholarships. Up to $100,000 over 4 years.
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TD Scholarships for Community Leadership
For students who demonstrate commitment to community involvement and leadership.
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Black Students Fund
Supporting Black Canadian students pursuing post-secondary education.
Career Tools

Resume & Cover Letter Building

Practical tools and tips to help you stand out and land the opportunity you deserve.

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Resume Tips
  • Keep it to 1 page for entry-level roles
  • Use action verbs: led, built, managed, created
  • Tailor your resume to each job posting
  • Include measurable results where possible
  • Use a clean, readable font and layout
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Cover Letter Tips
  • Address the hiring manager by name if possible
  • Open with a strong, confident statement
  • Explain why you want THIS specific role
  • Connect your experience to their needs
  • Keep it under 400 words
Need help with your resume?
Reach out to FLOW and we will connect you with a mentor.
Get Help →
Keep Learning

Recommended Books

These books changed the way we think about money. We think they will do the same for you.

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Rich by 30
by Lesley-Anne Scorgie
A practical guide to building wealth in your 20s. Perfect for young Canadians just getting started.
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The Psychology of Money
by Morgan Housel
Explores how your mindset and behaviour shapes your financial outcomes. A must-read.
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Budgeting 101
by Michele Cagan
Simple, practical budgeting strategies. Great for anyone starting from scratch.