The Canadian dollar has seen a sharp spike up in recent months, as we’re seeing it get closer to par again. That means opportunities to save money!

Some of these opportunities will happen automatically, as in lower prices on goods you buy that are imported into the country, lower prices on some foods, etc.  Others you will have to think about and decide if it’s worth it for you to explore.

Here’s some ideas to consider: Read More…

Convention alwisdom tells us that Registered Retirement Savings Plans (RRSPs) are not very beneficial for lower income individuals or families, since they pay little (or no) taxes as it is and since tax deferral is one of the main benefits of RRSP’s. Is this really true, though? Should lower income Canadians be making RRSP contributions? Read More…