Guides
Money basics, in five-minute reads
First job
How to read your first pay stub
Gross pay, net pay, CPP, EI, income tax and the TD1 form, explained line by line for your first job in Canada.
Taxes
Your first tax return (you'll probably get money back)
Why part-time and part-year workers usually get a refund, what you need, and how to file your first Canadian tax return for free.
Credit
Your first credit card: build credit, not debt
When you can get a credit card in Canada, which one to get first, and the three habits that set your credit score for years.
Saving
TFSA or FHSA: what to open at 18
How TFSA room builds from age 18, why opening an FHSA with $0 makes sense, and where an RRSP fits for young Canadians.
School
Student loans and grants, explained
How Canada Student Loans, provincial aid and grants work, when repayment starts, and what to do if you can't afford the payments.
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