🌐CNAP Financial Literacy Empowerment

Service Description

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