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Understanding Your TFSA Contribution Room in 2026

A Tax‑Free Savings Account (TFSA) is one of Canada’s most flexible and powerful savings tools, but figuring out your exact contribution room can feel like solving a puzzle. A clear breakdown makes it much easier. How TFSA Contribution Room Works Your available room is made up of three parts: Annual TFSA limit for the current year Unused contribution room from previous years Withdrawals from previous years (added back the following January) For 2026, the annual TFSA limit is $7,000 . Step‑by‑Step: How to Calculate Your Room Use this simple formula: [ \text{TFSA Room} = \text{Unused Room from Prior Years} + \text{Current Year Limit} + \text{Withdrawals from Last Year} ] A quick example: Unused room from past years: $18,000 2026 limit: $7,000 Withdrawals made in 2025: $4,000 [ \text{Total Room} = 18,000 + 7,000 + 4,000 = 29,000 ] That means you could contribute $29,000 in 2026 without penalty. A Few Helpful Notes Over‑contributions lead to penalties, so it’s worth...

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Nourishing Bites for Growing Minds: Wholesome and Delicious Kids' Lunches and Snacks - Easy Recipe



Here are three recipes for healthy, affordable, nutritious, and simple kids' lunches and snacks:


1. Veggie Wrap:

Ingredients:

  • Whole wheat tortilla wraps
  • Hummus
  • Sliced cucumbers
  • Sliced bell peppers
  • Shredded carrots
  • Spinach or lettuce leaves

Instructions:

  • Lay out the tortilla wrap on a clean surface.
  • Spread a layer of hummus evenly over the wrap.
  • Layer the sliced cucumbers, bell peppers, shredded carrots, and spinach/lettuce leaves over the hummus.
  • Roll the tortilla tightly, folding in the sides as you go.
  • Cut the wrap into bite-sized pinwheels or leave it as a whole wrap.


2. Fruit Kabobs with Yogurt Dip:

Ingredients:

  • Assorted fresh fruits (e.g., strawberries, grapes, melon chunks, pineapple chunks)
  • Wooden skewers
  • Greek yogurt
  • Honey (optional, for sweetening)

Instructions:

  • Wash and prepare the fruits, cutting them into bite-sized pieces.
  • Thread the fruit pieces onto the wooden skewers in a colorful pattern.
  • In a small bowl, mix Greek yogurt with a drizzle of honey for a dipping sauce.
  • Pack the fruit skewers and yogurt dip separately for a fun and nutritious snack.


3. Mini Quinoa Muffins:

Ingredients:

  • 1 cup cooked quinoa
  • 1 cup grated zucchini
  • 1/2 cup grated cheese (cheddar, mozzarella, etc.)
  • 1/4 cup diced ham or cooked chicken (optional)
  • 2 eggs, beaten
  • 1/4 cup milk
  • 1/4 teaspoon garlic powder
  • Salt and pepper to taste

Instructions:

  • Preheat the oven to 375°F (190°C) and grease a mini muffin tin.
  • In a mixing bowl, combine the cooked quinoa, grated zucchini, grated cheese, and diced ham/chicken.
  • In a separate bowl, whisk together the beaten eggs, milk, garlic powder, salt, and pepper.
  • Pour the egg mixture over the quinoa mixture and stir until well combined.
  • Spoon the mixture into the mini muffin tin, filling each cup almost to the top.
  • Bake for about 15-20 minutes or until the muffins are set and slightly golden.
  • Allow the muffins to cool slightly before removing them from the tin.


Remember to adjust portion sizes and ingredients according to your child's preferences and dietary restrictions. These recipes offer a balance of nutrients and flavors that kids will enjoy while ensuring they get the necessary nutrients for their growth and development.

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