Blog

Real math on Canadian personal finance.

• 2026-07-13

  Line of Credit vs. Credit Card: Which Should a Canadian Pay Off First?

  Line of credit vs credit card — which should a Canadian pay off first? The rate gap (≈20% card vs ≈8% LOC) means order matters. Here's the math.

• 2026-07-06

  How to Know If You Can Cover Your Bills Before Your Next Paycheque

  The 50/30/20 rule can't tell you how to know if you can cover your bills before payday — here's the forward day-by-day view that actually can.

• 2026-06-25

  How to Stop Living Paycheque to Paycheque in Canada (Without a Raise)

  Learn how to break the paycheque to paycheque cycle in Canada — not by spending less, but by seeing what's coming before it hits.

• 2026-06-25

  Why Your Credit Card Balance Never Moves in Canada

  You pay every month. The balance barely drops. Here's the math behind why — and what it actually costs you.

• 2026-06-25

  Can I Actually Afford This Before Payday? A Simple Way to Know for Sure

  Wondering how to know if you can afford something before payday? Here's a simple forward-cashflow method — project what's coming, not what's gone.