Taxes
Key dates for the 2027 tax season
From December 31 to June 15: every date that matters for your 2026 return, and the ones the CRA hasn't announced yet.
Notes
12 short, sourced explanations, each one dated. New here? Begin with the Start here path.
Taxes
Brackets, refunds, deadlines and the forms behind them.
Taxes
What a tax refund actually is
A refund is not a bonus from the CRA. It is your own money, returned without interest after you overpaid during the year.
Taxes
How Canadian tax brackets really work (2026)
A raise never shrinks your pay. Each rate applies only to the slice of income inside its bracket, and here are the 2026 numbers that prove it.
Credit
How cards, interest and credit scores actually work.
Credit
Credit scores in Canada: Equifax, TransUnion and what moves them
Two bureaus, one 300-to-900 scale, and a short list of habits that actually change the number.
Credit
How credit cards work: grace periods, interest and minimum payments
A credit card is free if you pay the full statement balance by the due date, and expensive if you don't. The mechanics, in order.
Saving & investing
TFSA, RRSP, FHSA and the emergency fund that comes first.
Saving & investing
An emergency fund, sized and placed
How much to keep, where to keep it, and why it comes before almost every other money goal.
Saving & investing
The FHSA, explained in one sitting
Deductible going in, tax-free coming out for a first home. The rules that matter, and the one reason to open it early even with $0.
Saving & investing
TFSA vs RRSP in plain numbers
One $5,000 paycheque, two accounts, three tax rates. The choice comes down to a single comparison.
Saving & investing
TFSA contribution room for 2027: what changes Jan 1
The 2027 dollar limit is not official yet. Here is what is certain, what is expected, and what to decide before December 31.
Everyday money
Budgeting, cashback and the fine print on bonuses.
Everyday money
A budget that survives the second month
Most budgets fail on irregular expenses, not willpower. A four-part structure that holds up in real life.
Everyday money
Cashback apps in Canada: how they actually pay
Where the money comes from, why it sits as “pending,” and what Rakuten.ca's quarterly schedule means in practice.
Everyday money
How to read a sign-up bonus's fine print
A bonus is a contract with conditions. Six clauses decide whether the headline number ever reaches your account.
One note a week. Nothing else.
Every Sunday: the week's note, the deadlines coming up, and any rule that changed. Five minutes, sourced, no hype.
- The week's new note, in three sentences
- Deadlines coming up, with dates
- One clause from the fine print