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Seven notes, in order, about 21 minutes in all. Each builds on the one before. Read one a day and you'll have the foundations of Canadian personal finance in a week.
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Everyday money · 3 min read
A budget that survives the second month
See where the money goes before deciding where it should go.
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Saving & investing · 3 min read
An emergency fund, sized and placed
A cushion first, so a bad week never becomes debt.
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Credit · 3 min read
How credit cards work: grace periods, interest and minimum payments
Use credit for free, and know exactly when it stops being free.
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Credit · 3 min read
Credit scores in Canada: Equifax, TransUnion and what moves them
The number lenders use, and the habits that move it.
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Taxes · 3 min read
How Canadian tax brackets really work (2026)
Why a raise never shrinks your pay, with 2026 figures.
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Saving & investing · 3 min read
TFSA vs RRSP in plain numbers
The one comparison that decides between the two accounts.
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Saving & investing · 3 min read
The FHSA, explained in one sitting
If a first home is possible, the account to open early.
After the path: browse all notes, keep the glossary open, or get one new note every Sunday by email.
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