• FREE COMMUNITY PROGRAM

Black Youth Financial Empowerment Program

From arrival to independence: Financial Literacy for Newcomer Youth

Build confidence. Learn about money. Take control of the future.

A free, community-based program helping Black, refugee, and newcomer youth build practical financial skills for life in Canada.

  • OVERVIEW

Practical financial learning for youth building their future in Canada

The Black Youth Financial Empowerment Program is a free, community-based financial literacy initiative delivered by the Somali Centre for Family Services and supported by TD Bank Group.

The program supports Black, refugee, and newcomer youth aged 12–29 in Ottawa and nearby areas. It helps youth build the knowledge, confidence, and practical skills they need to manage money, understand financial systems, and make informed decisions in Canada.

For many newcomer and refugee youth, learning how money works in a new country can feel confusing. Banking, credit, taxes, income, debt, and financial rights may be unfamiliar. These challenges can become harder because of language barriers, limited support at home, or experiences of exclusion.

This program provides simple, culturally grounded, and trauma-informed learning in a trusted community setting. It connects financial literacy with confidence, settlement, education, employment, and long-term independence.

Program at a glance

  • EFree financial literacy program
  • EDesigned for Black, refugee, and newcomer youth
  • EServing youth aged 12–29 in Ottawa and nearby areas
  • EDelivered by Somali Centre for Family Services
  • ESupported by TD Bank Group
  • OVERVIEW

Practical financial learning for youth building their future in Canada

The program is designed to create practical and lasting impact for youth, families, and the wider community.

Financial confidence

Youth build comfort in making everyday money decisions, asking questions, and planning for the future.

Budgeting skills

Youth learn how to track income, manage spending, use a budget, and make practical financial choices.

Credit and debt awareness

Youth learn how credit works, how to avoid harmful debt, and how to better understand financial tools in Canada.

Income and tax readiness

Youth learn how to read a pay stub, understand deductions, calculate net income, and prepare for basic tax responsibilities.

Fraud prevention

Youth learn how to spot scams, protect personal information, and understand financial rights and responsibilities.

Future pathways

Youth gain money skills that can support school, work, family responsibilities, and long-term planning.

Community knowledge

Youth can share practical financial knowledge with peers, families, and community networks.

 

Youth leadership

Youth have opportunities to share feedback, build leadership skills, and help shape the program.

  • KEY SERVICES

Real-life financial skills youth can use right away

The program offers practical learning through workshops, activities, tools, and guided support.

 

Financial literacy workshops

Interactive workshops help youth understand money through simple language, real-life examples, and practical activities.

Budgeting and money management

Youth learn how to use a monthly budget, track income and spending, and make choices that support their goals.

Credit and debt awareness

Youth learn what credit is, how credit reports work, how debt can grow, and how to avoid common financial mistakes.

Saving and financial planning

Youth learn how to set savings goals, plan ahead, and build habits that support future stability.

Employment income, pay stubs, and taxes

Youth learn how to read a pay stub, understand deductions, calculate net income, and understand basic tax responsibilities in Canada.

Financial rights and fraud awareness

Youth learn how to identify scams, protect personal information, and understand their rights when using financial services.

Experiential learning

Participants take part in hands-on activities, group discussions, and everyday situations that help them apply what they learn.

 

Goal setting and follow-up

Youth are supported to set personal financial goals, track progress, and apply new skills in daily life.

  • Registration

Join the program

The Black Youth Financial Empowerment Program is free and open to eligible youth in Ottawa and nearby areas.

 

Who can register
  • EFree financial literacy program
  • EDesigned for Black, refugee, and newcomer youth
  • EServing youth aged 12–29 in Ottawa and nearby areas
  • EDelivered by Somali Centre for Family Services
  • ESupported by TD Bank Group

After registration, a program team member will follow up with next steps, workshop details, and any information participants need before attending.

  • COMMITTEE

Black Youth Steering Committee

The Black Youth Steering Committee will bring together 7 Black youth to help guide the direction of the Black Youth Financial Empowerment Program.

Committee members will play an important role in making sure the program reflects youth voices, real community needs, and lived experiences.

  • Share feedback on workshop topics and activities
  • Support outreach to youth and community networks
  • Advise on barriers youth may face when learning about money
  • Strengthen the program’s relevance and impact
  • Promote youth leadership and community engagement

This is a meaningful opportunity for youth to build confidence, develop leadership skills, and help shape a program created for their community.

  • Contact

Contact the program team

For questions, registration support, referrals, school workshops, or community collaboration, please contact the program team.

For partnership, school workshops, referrals, or community collaboration, please contact the program team.

 

Organization: Somali Centre for Family Services

Location: Ottawa, ON

Email: d.tewolde@scfsottawa.org

Phone: (613) 526-2075 ext: 263

  • PARTNERS

Delivered by SCFS and supported by TD Bank Group

The Black Youth Financial Empowerment Program is delivered by the Somali Centre for Family Services, a trusted community organization supporting newcomer, refugee, and immigrant families in Ottawa. The program is supported by TD Bank Group. This support helps make the program free and accessible for youth while strengthening financial inclusion in the community.