Resources Background reports Buckland, Jerry, Financial Empowerment as a Response to Social Exclusion in Canada (June 5, 2017). Buckland, Jerry, Antonia Fikkert, and Joel Gonske. 2013. Struggling to Make Ends Meet: Using Financial Diaries to Examine Financial Literacy Among Low-Income Canadians. Journal of Poverty 17, no. 3 (07/01): 331-355.