Personal finance
The everyday money stuff: savings, chequing, credit, and the accounts that hold it all.
Articles
Are credit card points and cash back taxable in Canada?
When the CRA cares about your rewards, and when it does not.
Personal finance
RRSP vs TFSA: the honest decision for Canadians
The marginal-rate rule that actually decides it, and why the answer is often both.
Personal finance
FHSA vs the RRSP Home Buyers' Plan for a first home
Tax-free and never repaid, or a loan from your own RRSP? Which to use, and how to stack both.
Personal finance
How credit card interest works (and how to never pay it)
Grace periods, cash advances, and the one habit that keeps your interest at zero.
Personal finance
The best cash-back credit cards in Canada
The cards that hand you money back, and how to pick the right one.
Personal finance
Best chequing account welcome bonuses in Canada
The everyday bank accounts paying you to switch, and the fees to dodge.
Personal finance
Best GIC rates in Canada
Where to lock in a guaranteed rate, and how to ladder your GICs.
Personal finance
Best high-interest savings account (HISA) rates in Canada
Where to park cash for a real rate without locking it away.
Personal finance
The best travel and rewards credit cards in Canada
The travel cards worth their fee, from earn rates to insurance and perks.
Personal finance
Where your next dollar should go: the Canadian account order
A plain-language order of operations for every extra dollar you save.
Personal finance
Check your credit report and score in Canada, free
How to pull your Equifax and TransUnion reports and read what is on them.
Personal finance
Does a Costco membership pay for itself?
The honest math on whether the membership fee earns its keep.
Personal finance
What your credit card's travel insurance actually covers in Canada
Reading the fine print on the coverage tucked into your card.
Personal finance
The FHSA playbook: Canada's most underused account
How the First Home Savings Account works and why you should open one now.
Personal finance
FHSA vs the RRSP Home Buyers' Plan: which to use for a first home
The tax-free FHSA withdrawal versus the RRSP loan you repay over 15 years, and how to use both.
Personal finance
The 2.5% foreign transaction fee, and the cards that kill it
Why spending abroad costs extra, and the cards that skip the fee.
Personal finance
How to build (or rebuild) credit in Canada: a plain-language guide
The steps that actually move your score, from your first card up.
Personal finance
How to hit a credit card minimum spend without wasting a dollar
Clearing a welcome bonus threshold on spending you were doing anyway.
Personal finance
Newcomer to Canada: your first credit cards and bank accounts
First cards, first accounts, and building credit from scratch after you land.
Personal finance
Paying rent, taxes, and your mortgage with a credit card in Canada
When routing big bills through a card is worth the fee, and when it is not.
Personal finance