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We want to hear from you!

Financial literacy is a challenge for many Canadians and in response to this gap, FirstOntario Credit Union launched Money On Trees in 2013 - a financial literacy blog targeted towards young adults. The goal is to create awareness around managing your finances and arming yourself with the knowledge and tools you need to make decisions when it comes to money. FirstOntario’s Money On Trees blog serves as a one-stop shop, helping direct people to important information and resources and covers many different topics including saving, budgeting, lease agreements, cell phone contracts, what to look for in a music streaming service, using internet data wisely and paying for college and university.

As part of November’s Financial Literacy Month, FirstOntario wants to hear your stories. We are turning the blog over to you so you can share your thoughts and experiences, highlights and challenges when it comes to money. Tell us your secrets to your success, what money tips you’ve mastered or when you’ve learned a hard lesson.

If your post is published, we’ll send you a $25 Tim Hortons gift card and, you’ll be eligible for the grand prize - two tickets to see Maroon 5 at FirstOntario Centre on March 1, 2017. We’re also going to buy you dinner before the show! If you want to keep writing, every blog post you send us will get you one more entry - so start typing! The contest is open until February 15, 2017. You can find the full contest details here.

Here are a few things you should know before you get started: Expand/Collapse

o    Blog posts must be 250-350 words

Please include details about one or more of the following:
o    Success stories! What financial strategies work for you?
o    Are there any financial challenges you’ve encountered?
o    What stresses you out about money?
o    How do you plan to pay for post-secondary education? (if applicable)
o    What resources have helped since you’ve started college/university? (if applicable)
o    Share some of the ways you’ve earned extra money.
o    Is there anything you wish you had known about or were better prepared for financially?
o    What costs you the most money?

o    Please include your name and a photo
o    Let us know if you are student (and what school you are attending) or if you are braving the workforce.


Once you’re ready to submit, please email

Rules and Regulations Expand/Collapse

1.    The “Your Money. Your Story” contest runs from 12:00 p.m. Eastern Standard Time on November 14th, 2016 until February 15th, 2017, 11:00 p.m. Eastern Standard Time.

2.    A maximum of twenty-five (25) winners will be selected to win the secondary prize, a $25 Tim Hortons Gift Card (if their post is published on Money On One entry from all blog posts submitted (including those not selected to be published) will be drawn for the grand prize of two (2) tickets to the Maroon 5 concert at FirstOntario Centre and a dinner voucher to a local restaurant in Hamilton, Ontario on March 1st, 2017.  
3.    To enter the contest, entrants must write a 250-350 blog post that includes one or more of the following details:

a.    Success stories! What financial strategies work for you?
b.    Are there any financial challenges you’ve encountered?
c.    What stresses you out about money?
d.    How do you plan to pay for post-secondary education? (if applicable)
e.    What resources have helped since you’ve started college/university? (if applicable)
f.    Share some of the ways you’ve earned extra money.
g.    Is there anything you wish you had known about or were better prepared for financially?
h.    What costs you the most money?

4.    Along with their blog post, entrants must email their full name, school grade (if applicable) photo and email address. Winners will be notified by email.

5.    Entrants must have a valid email address for any entries. Winners will notified by email.

6.    This contest is open to all who are 18 years of age and older, except employees, representatives or agents (and those with whom such persons are domiciled, whether related or not) of FirstOntario Credit Union. The contest is only available to participants who reside in Ontario; it is not open to residents of Quebec.  

7.    All contest entries are the property of FirstOntario Credit Union. Blog posts and photos also become the property of FirstOntario Credit Union and can be used in future posts. The author of the each entry will be credited with their name and photo. Entries are subject to editing by the FirstOntario Communications team. Only the first name of the author will be published on to maintain privacy.

8.    The grand prize winner draw will be held on February 7th , 2017. The grand prize winner will be announced on February 10th, 2017. This is subject to change based on winner response. Winners of the secondary prizes ($25 Tim Hortons gift card) will be announced throughout the contest period up until February 10th, 2017.
9.    Chances of winning will depend on the total number of entries received collectively.

10.    The grand prize and secondary prizes will be awarded upon verification that the potential winning entrant(s) has met all contest requirements. The prize must be accepted as awarded.  Attempts will be made to contact the potential winning entrant at their by way of email for a period of three (3) business days following the draw dates. If the potential winning entrant cannot be contacted within the allotted time, FirstOntario Credit Union reserves the right to void that entry and select another potential winning entrant for the prize.

11.    The contest is no way sponsored, endorsed or administered by, or associated with Twitter or Facebook. Twitter and Facebook are completely released from all liability by each participant in this contest. Any questions, comments or complaints regarding the contest must be directed to FirstOntario Credit Union and not Twitter or Facebook.

12.    All prizes are sponsored by FirstOntario Credit Union.

13.    By entering the Contest, entrants agree to abide by these Contest Rules and Regulations. The decisions of FirstOntario Credit Union are final. By accepting the prize, the winners agree that FirstOntario shall have the right to use the winner’s name/photograph without compensation in any advertising or publicity. This contest is subject to all relevant laws.

14.    Limit of one form entry per person, per day. Multiple form entries entered by any person will be considered to be one entry.

15.    FirstOntario does not, under any circumstances, sell or willingly disclose to any third party, information that is gathered.

16.    Please direct any questions to

About Money On Trees

Since 2013, Money On Trees ( has focused on promoting financial literacy among young adults. Through a blog, seminars and various online platforms, Money On Trees provides answers to common questions faced by young adults, whether they are graduating high school, in college or university, getting ready to graduate, looking for work, buying their first home or marriage. Topics range from cutting back on spending, the pros and cons of working while going to school, and saving for major life milestones like buying your first car. Money On Trees is committed to providing its users with engaging content to help raise financial literacy levels.



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