Personal Finance

Money

Canada Summer Jobs 2027 employer applications are open until December 3, 2026, with funding for youth aged 15 to 30 and priority for construction, climate, digital and AI work.

Money

Canada has proposed new stablecoin regulations that would introduce reserve requirements, redemption protections and federal oversight for eligible issuers. The draft rules are open for public consultation until December 23, 2026, ahead of their planned implementation in 2027.

Money

Couples can invest toward shared goals without giving up financial independence. This guide explores fair contribution methods, account choices, household risk tolerance, downturn planning, personal spending allowances, and the financial impact of unpaid caregiving. Using fictional Canadian couple Alex and Sam, it shows how regular conversations and a written plan can support workable long-term investing decisions.

Money

Permanent life insurance can give Canadian estates liquidity to pay taxes and settlement costs without forcing heirs to sell property, investments, or a family business. This article explains deemed dispositions, RRSP and RRIF tax exposure, beneficiary coordination, corporate policies, and why permanent coverage is not automatically better than investing for every household or estate-planning situation.

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A $100,000 retirement account sounds like financial security. But how much can you actually spend? Here’s the RRSP vs. TFSA tax difference Canadians should understand before retiring.

Money

A homebuyer invests her $60,000 house fund in a long-term U.S. Treasury bond ETF, expecting safety. But as interest rates rose sharply in 2022, the fund’s market value fell by more than 31%. Her story shows why low default risk does not eliminate price risk, especially when money is needed soon.

Money

Canada’s Financial Results for July 2026 are scheduled for release today, giving readers a new look at federal revenues, spending, borrowing and the budgetary balance. Finance Canada has not yet published the July figures on its official Fiscal Monitor page.

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Key Takeaways Payroll employment increased by 26,100, or 0.1%, in July. Average weekly earnings rose 3.2% year over year to $1,347.14. Canada had 501,000 job vacancies in July, with the vacancy rate unchanged at 2.8%. Canada Jobs Data: Payrolls Rise as Earnings and Vacancies Hold Steady Canada's payroll employment increased in July while average weekly.

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Key Takeaways Statistics Canada scheduled the July 2026 Retail Trade release for September 24, 2026. An earlier advance estimate indicated retail sales decreased 0.8% in July. The final release will provide updated retail sales data for Canada and its industries. Canada Retail Sales Data Arrives Today: What July Spending Reveals About Consumers Statistics Canada is.

Money

Paying down a mortgage can deliver predictable interest savings, while investing may offer higher long-term returns but brings market risk, taxes and fees. This guide compares the real after-tax trade-off, explains how TFSA and RRSP accounts affect the decision, and highlights liquidity, mortgage prepayment rules, emergency savings and splitting extra cash between both options.

Money

The same ETF can leave you with a different after-tax return depending on whether you hold it in a TFSA, RRSP or taxable account. Here’s how asset location can quietly change what actually stays in your pocket.

Money

For most Canadians, an emergency fund covering three to six months of essential expenses can provide crucial protection after a job loss or financial shock. The right amount depends on your housing, food, transportation, debt and childcare costs, as well as your income stability. EI may help extend your runway, but it may not cover your full monthly needs.

Money

Canada’s household net worth surpassed $19 trillion in the second quarter of 2026, lifted largely by stronger equity markets and investment-fund buying. The milestone reflects the combined value of assets minus debt, not cash distributed evenly among Canadians. While debt ratios improved, the article explains why market-driven wealth gains can rise—and fall—quickly with changes in asset prices.

Money

The Bank of Canada has unveiled the design of Canada's new $20 bank note, marking the country's first circulating bank note to feature a portrait of King Charles III. The vertical polymer note is expected to enter circulation in early 2027 and will include enhanced security features designed to help protect Canadians against counterfeiting.

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Canadian Tire and Tim Hortons have launched a loyalty partnership that lets linked Triangle Rewards and Tims Rewards members earn Canadian Tire Money on eligible Tim Hortons purchases while continuing to collect Tims points. The basic offer earns 2%, with qualifying Triangle credit-card and Scan & Pay use potentially raising the total to 5%.

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Average weekly earnings in Canada reached C$1,343.86 in June 2026, up 3.4% from a year earlier, while job vacancies rose to 509,100, according to new Statistics Canada data released August 27.

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A rental application, phone plan or car loan may quickly reveal that you have no Canadian credit history. That is normal. Build credit in Canada as a newcomer with a calm routine: one suitable card, on-time payments, low credit use and regular report checks—without carrying costly debt.

Money

With $600 left after bills, splitting it among a TFSA, RRSP, FHSA and RESP can feel sensible. But the right account depends on the money’s job, access needs and likely withdrawal date. Use this Canadian guide to choose the account that should receive your next dollar first.

Money

Many middle-class Canadians earn decent incomes but still struggle financially. These five common money habits quietly drain wealth and make long-term financial security harder to achieve.