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Articles By Vickram Agarwal:

Newcomers to Canada

The debt gap nobody talks about

Canada is built around borrowing, credit scores, and financing. For many newcomers, adapting to that system can feel overwhelming.

The debt gap nobody talks about

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Canadians are quietly overspending on convenience

Food delivery, grocery apps, and other modern conveniences can quietly drain your budget. Here’s why Canadians are spending more...

Canadians are quietly overspending on convenience
Person using a payment terminal at a restaurant

Newcomers to Canada

Canada’s tipping culture can feel like a minefield for newcomers

Canadians may be tired of tipping culture, but newcomers are still trying to figure out the rules.

Canada’s tipping culture can feel like a minefield for newcomers
Jar with coins labeled "education" sitting on top of a stack of books

RESPs

The universal worry: Can we afford our children’s future?

Most Canadian parents are saving for their child’s education, but few feel confident it will be enough. Here’s why...

The universal worry: Can we afford our children’s future?
Young couple at a desk with papers and a computer

Newcomers to Canada

Why filing your taxes is the first financial step that actually matters

Filing your taxes isn’t just a requirement—it’s the first step to accessing benefits, credits, and financial opportunities in Canada....

Why filing your taxes is the first financial step that actually matters

Newcomers to Canada

How global conflict affects your finances in Canada

Global conflicts affect Canadians’ finances in real time. Learn how rising costs, volatility, and uncertainty can impact your budget...

How global conflict affects your finances in Canada

Newcomers to Canada

What replacing my tires taught me about planning for retirement

Preparing to support yourself in your elder years is a cultural norm in Canada that newcomers must adapt to....

What replacing my tires taught me about planning for retirement

Financial Planning

Your money, your move: Engage in your financial future

Five platitudes you should never simply accept from your financial advisor.

Your money, your move: Engage in your financial future

Newcomers to Canada

Real money hacks to use when prices feel out of control

Everyday costs in Canada keep rising even as inflation cools. Here are practical, lesser-known money-saving hacks to stretch your...

Real money hacks to use when prices feel out of control