Routine
15-minute weekly money review
A short checklist: check balances, review upcoming bills, and pick one task for the week. Keeps you in control without constant tracking.
Use the checklist
Free tools and guides
Resources you can use without signing up
These resources are designed to help you take action quickly: a weekly money review, a simple emergency fund target, debt payoff steps, and a beginner investing checklist. Everything is written for Canada and focuses on habits and decision-making rather than perfect tracking.
📌 Tip
Pick one resource and use it for 4 weeks. Consistency beats complexity when you are building a new money routine.
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Quick-start kit
If you are not sure where to start, use this sequence. It is designed to reduce stress first, then improve efficiency. You can complete the first two steps in one evening. The goal is not to overhaul everything. It is to create a stable baseline and one reliable habit.
Recommended order
- Weekly money review
- Bill calendar and irregular expenses list
- Emergency fund target
- Debt payoff plan
- Investing checklist
Stability
Emergency fund target
A simple method to pick a starter target (and a long-term target) based on essentials. Includes a maintenance plan.
Estimate your target
Debt
Debt payoff decision guide
Use a clear decision tree: protect essentials, avoid late fees, then choose snowball or avalanche based on motivation and costs.
Follow the steps
Investing
Beginner investing checklist
A high-level checklist covering time horizon, risk tolerance, fees, diversification, and what to read before you invest.
Review the checklist
Resource note
These materials are for general educational purposes. They are not individualized financial, tax, or legal advice. If you need help tailored to your situation, consider speaking with a qualified professional in your province.
Need help choosing a starting point?
Tell us your goal and we will point you to the best resource or workshop. No pressure and no sales pitch.
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Learn with a simple framework
If you feel pulled in many directions, use a framework that reduces decisions. Our recommended approach is: protect essentials first, build a small buffer, reduce high-cost debt, then invest consistently. Along the way, focus on a few high-leverage habits: automate one transfer, review weekly, and keep your system easy enough that you will actually use it.
When you are ready, our workshops can help you build a clearer plan and learn the “why” behind each step. The goal is to make your money decisions calmer and more predictable over time.