Free Financial-Education Workshops for Community Partners

Practical money education for the communities you serve — at no cost.

PYMO by PaySprint delivers free workshops to settlement agencies, community groups, schools and employer partners across Canada. Sessions are genuinely educational: plain-language, Canada-specific and interactive. PYMO is introduced at the end as one available solution among many — participants leave with a checklist and free public resources regardless of what they choose.

Understanding Money and Credit in Canada

60 minNewcomers & their families

A plain-language tour of how money works in Canada — from day-to-day banking to how lenders see you.

  • How Canadian banking actually works: chequing vs. savings, e-Transfers, pre-authorized debits
  • What credit is and why it matters for renting, phones, utilities and jobs
  • What's really inside a credit report and score (Equifax & TransUnion)
  • The true cost of common borrowing products, compared side by side

How to Build Your Canadian Credit Profile

60 minNewcomers, students & young adults

Starting from zero Canadian credit history — the steps that work, the myths that don't.

  • First steps with no Canadian history: starter accounts and secured or entry-level cards
  • What actually moves your score: payment history, utilization, account age
  • Common mistakes that quietly cost you points
  • How to check your report for free and dispute errors

Avoiding Payment and Newcomer Scams

45 minEveryone — newcomers are heavily targeted

The scams that target newcomers most, why they work, and how to shut them down.

  • The big five: CRA/government impostors, fake job offers, romance & wire fraud, overpayment and gift-card scams, phishing links
  • A red-flags checklist you can apply to any call, text or email
  • How to verify a request before money or information leaves your hands
  • Where to report fraud: the Canadian Anti-Fraud Centre (1-888-495-8501)

Managing Irregular Income in Canada

60 minGig workers, freelancers & shift workers

Budgeting when every week looks different — practical systems for variable pay.

  • The baseline-budget method: covering essentials on your worst month, not your best
  • Building a buffer fund that smooths the gaps between payouts
  • Tracking gig and self-employment income and expenses for tax time
  • GST/HST registration, CPP contributions and record-keeping basics

Your First 100 Days Financial Checklist

45 minNewly arrived newcomers

A week-by-week plan for the financial essentials of a first 100 days in Canada — with a take-home checklist.

  • Documents and accounts: SIN, first Canadian account, and understanding your pay stub
  • Setting up deposits, bills and no-fee essentials the right way
  • Government benefits to check: GST/HST credit, Canada Child Benefit and more
  • Starting your credit profile and an emergency plan from day one

Virtual or in person

Delivered online or on-site across Canada, in English or French.

Always free

No cost, no obligation and no sales pressure — ever.

Take-home materials

Every participant leaves with a checklist and free public resources.

Free resources we share in every session

Independent and public tools your community can use right away — with or without PYMO.

Free · No sign-up needed

Pro-Executes Impact Hub

Free not-for-profit platform with a financial health check, a benefits finder, an AI financial assistant and learning games.

Government of Canada

Financial Consumer Agency of Canada

The Government of Canada's official money and banking education resources, budget tools and rights information.

Report fraud

Canadian Anti-Fraud Centre

National resource for spotting, avoiding and reporting fraud and scams.