Comprehensive Financial Education Modules

Understanding your pay stub is fundamental to financial awareness. This module teaches workers how to read every line of their payroll documentation, verify calculations, and identify discrepancies.

Topics covered:

• Gross pay versus net pay calculations
• Understanding tax withholdings and how they work
• Social security contributions and what they fund
• Reading overtime and shift differential calculations
• Identifying bonuses, commissions, and special payments
• Understanding deductions and their purposes
• Verifying accuracy and identifying errors
• How different payment structures work across industries

Mexican labor law provides workers with various benefits and protections. This module explains what these benefits are, how to calculate them, and how to ensure you receive what you are entitled to.

Topics covered:

• Understanding aguinaldo calculations and payment timing
• Vacation days, vacation premium, and how they accrue
• Profit sharing (PTU) eligibility and distribution
• Seniority bonuses and how they work
• Understanding your rights under Mexican labor law
• How to read and verify benefit statements
• Union-specific benefits and programs
• When and how to claim benefits

Many unions operate savings programs that offer workers access to financial services. This module explains how these programs work and how to use them effectively.

Topics covered:

• How union savings programs operate
• Understanding interest rates on savings accounts
• Building emergency funds through payroll deductions
• Loan programs available through unions
• Reading savings account statements
• Understanding terms and conditions of union financial programs
• Comparing options available through your workplace
• Setting realistic savings goals based on your income

Credit cards and loans are financial tools that require understanding to use effectively. This module teaches how credit works, how to read statements, and how to avoid common debt traps.

Topics covered:

• How credit cards work and generate charges
• Reading and understanding credit card statements
• Interest calculations and how they compound
• Minimum payments versus full balance payment
• Understanding annual percentage rates (APR)
• How credit history affects future borrowing
• Warning signs of problem debt
• Strategies for paying down existing debt

Planning for retirement starts with understanding the systems in place. This module introduces Afore accounts and basic retirement planning concepts accessible to all workers.

Topics covered:

• What Afore accounts are and how they work
• Understanding employer and government contributions
• How to access your Afore account information
• Reading Afore statements and understanding balances
• How retirement savings grow over time
• Voluntary contributions and their benefits
• Understanding when and how you can access funds
• Basic planning for financial security after retirement