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The CNAP Financial Literacy & Economic Empowerment Program is an 8-week, community-based learning experience designed to help newcomers gain real financial confidence, avoid common settlement risks, and build a strong foundation for long-term success in Canada. Finances can be overwhelming — new systems, new terminology, new rules, and new responsibilities. This program gives you the knowledge and tools you need to make smart decisions without fear, confusion, or pressure. This is a non-commercial, safe-learning environment. CNAP does not sell, endorse, or recommend any financial products. ✔ What You’ll Learn (Week-by-Week Breakdown) Week 1 — Introduction to the Canadian Financial System Banking basics, account types, fees, safe banking, terminology 101, and how to avoid newcomer scams. Week 2 — Budgeting & Cashflow for Newcomers Understanding your cost of living, creating a realistic Canadian budget, tracking expenses, and managing financial stress. Week 3 — Building & Protecting Your Credit How credit scores work in Canada, how to build credit safely, what harms your credit, and how to avoid predatory lending. Week 4 — Debt, Scams & Consumer Protection Identifying high-interest traps, payday loans, fraud awareness, and your rights under Canadian consumer protection laws. Week 5 — Savings Foundations (TFSA, RRSP, FHSA) How to save for emergencies, taxes, retirement, or a first home — explained simply and clearly. Week 6 — Investing for Beginners (Safe, Simple, No Selling) Understanding investing basics, risks, and strategies — with no product promotion, no advisors, and no upselling. Week 7 — Housing, Renting & Long-Term Planning Lease rules, tenant rights, rental red flags, cost expectations, planning for future financial stability. Week 8 — Taxes, Benefits & Your 12-Month Financial Action Plan Overview of Canadian taxes, government benefits, credits, and creating your personalized roadmap for the year ahead. ⭐ CNAP’s Approach: Safe, Clear, Ethical Our teaching philosophy is simple: Empowerment through information — not products Clarity instead of confusion Safety instead of sales pressure Neutral, unbiased guidance for newcomers Culturally sensitive, trauma-informed support All facilitators are trained in CNAP’s ethics, governance, and non-commercial delivery standards. ⭐ Who This Program Is For Permanent Residents Refugees & asylum seekers International students Temporary & Seasonal Workers Newcomers

Welcome to your first CNAP newcomer session — a friendly, supportive, and informative introduction designed to help you navigate the first steps of your Canadian journey with confidence. This complimentary 1-hour Zoom call gives newcomers a clear roadmap of what to expect, what to prepare, and how to avoid common mistakes during the first few months in Canada. Whether you’ve just landed, are arriving soon, or are still preparing from abroad, this session gives you the orientation every newcomer wishes they had on Day 1. In this session, you’ll learn: Key documents you need to organize How to set up your banking and credit safely Avoiding newcomer scams & misinformation Housing basics — renting, leases, and red flags First-month essentials and cost-of-living tips How CNAP supports your settlement pathway Q&A time for your most urgent questions Who Should Attend: Permanent Residents International students Temporary Workers Refugees & asylum seekers Newcomers preparing to arrive Why This Session Matters: Moving to a new country can feel overwhelming. Our goal is to give you clarity, direction, and support — with no sales, no pressure, and no hidden agenda. CNAP is a nonprofit built to help you belong, thrive, and navigate Canada safely.

Navigating the Canadian credential system can be confusing — and costly. This 1-hour session provides newcomers with a clear, unbiased overview of how foreign credential assessment works, the pathways available, and which agencies apply to your profession or country of study. CNAP’s Foreign Credential Pathways Intro is designed to help you make informed decisions and avoid delays that affect employment, licensing, and settlement timelines.

The CNAP Financial Literacy & Economic Empowerment Workshop helps newcomers understand how money works in Canada so they can make confident everyday decisions and plan for the future. Through practical, newcomer‑friendly sessions, participants learn simple strategies for budgeting, using banks and credit safely, avoiding scams, and preparing for big goals like housing, education, or starting a business. What You’ll Learn In this workshop, you will build practical skills to manage your money in Canada with more confidence. Managing day-to-day money: Learn simple ways to budget, track spending, and build regular savings. Understanding banks and credit: Get clear on how bank accounts, credit cards, and credit scores work in Canada. Avoiding scams and high-cost lending: Recognize warning signs and choose safer financial options. Planning for big goals: Start mapping out steps toward housing, education, or launching a business.

The Canadian job market has a very specific résumé format — and most newcomers are never taught what employers expect. This 1-hour workshop helps you transform your résumé so it reflects your real experience, your international strengths, and the professional standards Canadian recruiters want. In this session, you’ll learn: How Canadian résumés differ from international formats What to remove immediately (photos, long paragraphs, extras) How to write strong accomplishments instead of job duties Keywords and ATS optimization How to tailor your résumé for each application Professional formatting that stands out How to explain international experience clearly Perfect for: Recent arrivals International students Skilled workers Career changers Anyone applying for Canadian jobs Outcome: Walk away with a clear structure, templates, and a professional rewrite plan. Format: Online, every 4 weeks 50 participants Cost: $99 CAD