Finances

Making a budget is well worth it!

RESP

The Registered Education Savings Plan (RESP) is a great way to cumulate tax-free savings while still benefiting from an important federal subsidy. Since 1998, the Government of Canada provide a grant to the Canada Education Savings Grant (CESG).

Need help?
  • The CTF (Canadian Tax-Foundation) offers classes on how to make family budgets and better organize your personal finances, as well as individual meetings to get information and advice on a difficult personal financial situation. For the listing of the CTF organizations in your region, visit the website.
  • The Canadian Banker’s Association's website offers a lot of information and advice on budgets, savings, expenses, income, savings plans, etc.
  • Most people spend money on things they don’t even remember about by the end of the week. Industry Canada offers a “calculator” that demonstrates the positive effects of saving money instead of spending it all.
  • How to make your own budget by using Excel? On this website, you will find the necessary information to create your personal budget according to your needs. A great way to keep up with you finances and stay in control!
  • The Consumers Union created BudgetExpress, a software available on the market. The budget assistant will help you fill out your profile and identify your earnings and expenses. It will compare your current budget to your planned budget and create a calendar showing how your earnings and expenses are spread out. To purchase it, visit the website or download the free demo. 
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