Plans
Short, practical step-by-step guides. Each one tells you what to do this week and links to the calculators that help.
How to improve your credit score in Canada
A practical plan to raise your Canadian credit score: get your free Equifax and TransUnion reports, pay on time, keep utilization under 30%, and give it time.
How to buy a house in Canada
A step-by-step plan for buying a home in Canada: budget, down payment with the FHSA and HBP, pre-approval, the stress test, closing costs and land transfer tax, and closing day.
How to pay off debt
A calm, practical plan to pay off credit cards and loans: list your debts, protect your payments, choose avalanche or snowball, and stop new borrowing.
How to build an emergency fund
A practical plan to build an emergency fund: set a target of 3 to 6 months of expenses, automate savings and keep it accessible.
How to start investing with a TFSA
A simple plan to start investing in a TFSA: check your room, pick an account, choose low-cost diversified investments and automate contributions.
General information, not financial advice. This plan is a general guide. It does not know your full situation. Check with a qualified professional and the official sources before making decisions.