In Ontario, this time of year is rather stressful for children in grades 3 and 6 because they are required to write a provincial test called EQAO Test (Education Quality and Accountability Office) in both literacy and math. I have my own opinions about this test and I am happy to discuss with any of you via email. My daughter is finishing up grade 3 and as a result, she is writing the EQAO test, beginning this week. If your child feels better prepared by studying, help your child study, even if it means sitting beside them while they review.
Give your child something to look forward to either at the end of every test day OR at the end of the entire test. Take your child shopping for some special school supplies for the test to help them feel more prepared as well as excited about some new supplies. Take your child shopping (or have them brainstorm a list) to buy some special snacks for their test days. Consider teaching your child some meditation as a relaxation strategy to use both when they are worrying or if they are having difficulty sleeping due to their test anxiety. This year, our neighbour brought over a goody bag filled with loot from our city (she works for the city) and there happened to be pencils, erasers, notebooks and a nice pencil case.
Good luck everyone and remind your child to take slow, deep breaths to help them with their test anxiety!
Tagged anxiety, education quality accountability office, eqao, provincial testing, test anxiety.
I find rubbing the outside of your ear is calming – I learned that tip from a naturopath to help in situations of anxiety.
It is rather very sad that these very young children have to endure this kind of stress at such a young age. Ya, it’s not so fun Kate, but hopefully your little guys will have an easy going personality like yours that will help them stay cool as a cucumber for the tests!
Im on the pta at my daughters school, and EQAO is a big issue for so many parents and students.
Receive the latest information from Multi-Testing Mommy including recipes, craft ideas, parenting tips, giveaways and more! Financial literacy is important in all aspects of life, but it is especially important when you use financial aid.
Responsible borrowing is the key to put yourself in the best possible financial situation after you finish school.
For many students, their years spent in higher education are the first time they have lived away from home and taken responsibility for their living costs. Even for those who live at home, it is a often a time of greater financial freedom as they work and pay their way through college.


The term “financial literacy” is thrown around a lot to describe part of what makes a successful college student (and person in general), but what exactly does it take for one to be financially literate? Retirement was once though of as planning for those who were ready to settle down to a life of leisure after finishing a long career, right? In today’s world, most transactions are completed through either a debit or a credit card instead of cash. The most simple and efficient way to pay for purchases today is through the use of a credit card. As stated before, it is much easier to correct credit card fraud as opposed to debit card fraud. A responsible adult should be able to handle at least one credit and debit card at the same time. If you read the title of this article, you probably think that it has a negative connotation. My girls are past that but the tips are very helpful to my older kids as they hit exams too I don’t think you can ever totally remove anxiety when prepping for a test but you can definitely minimize it. Making poor financial decisions or listening to poor advice when you attend school can have a detrimental financial impact on you for many years.
And when student debt is at record levels—and today’s graduates can expect to be paying off their loans well into middle age—that should set alarm bells ringing. Working on your mental and physical health is always important, but your financial health is also essential. Someone who is financially literate is knowledgeable about personal finances and how his or her decisions affect financial well-being. Tags: financial literacy, financial responsibility, planning, planning for retirement, preparing for retirement, when can I retire? Both of them have advantages and disadvantages, and it is important to understand the most efficient way to use both if you want to stay financially literate. At some point in their life, everyone will probably be a victim of credit card or debit card fraud. This will come in handy when you are ready to make a very large purchase, such as obtaining a car loan or a mortgage.
When you use your debit card, you are using funds that you currently have sitting in your bank account. Because neither is completely secure, it is advisable to use your credit card (as long as you are responsible) for most of your purchases in which you will not be using cash.
You might think that “living paycheck to paycheck” is for those that are struggling just to survive. Following some, or all, of the below suggestions can help you (and your wallet) be happier and healthier in 2016.


However, there is more to being financially literate than just understanding how finances work.
Whether you utilize one, both, or neither, the below tips will aid you in your quest to become financially responsible. Remember, buying things on credit means you do not necessarily have the funds to pay for your purchase at that time. It is much easier to correct credit card fraud.  If you see a strange charge on your bill, you can put that amount into dispute and refuse to pay for it. If you do not have the funds, you will not be able to make the purchase with your debit card. If you have money taken out of your account via your debit card, you will have to work with your bank to get the funds put back into your account.
It is a personal preference, but knowing how to use each efficiently will help you become even more financially literate.
However, living paycheck to paycheck is actually a sound financial process, especially for college students. It is human nature to want to spend money on frivolous purchases, so it can take some determination and discipline to create an honest budget for yourself while you attend college.
The average American will not be able to retire until they reach their mid-60’s, you should start thinking about retirement as soon as you enter the work force. Most credit card companies have a very good fraud department who will investigate the matter for you. If you exclusively use your debit card, you will not have to worry about making purchases with funds you do not currently have.
If you want to be in a good financial situation and avoid excessive debt, then you have to be cognizant of your income steams and your expenses. College has many expenses associated with it, so it is absolutely important that you have a firm grasp on your incomes and expenses. Proper planning is critical to actually being able to enjoy the benefits that retirement has to offer. To avoid issues, you should ask your credit card company (if they have not done so already) to cap your maximum monthly limit to an amount you can handle.
Looking at your financial situation bimonthly (assuming most of your income comes in a bimonthly paycheck) is a great way to budget your finances responsibly. Just like any other major financial decision, planning for retirement takes budgeting, sacrifices, and forward thinking.



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