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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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Wholesome Bites: Nourishing and Nutritious Lunches for Kids

 

Wholesome Bites: Nourishing and Nutritious Lunches for Kids


Here are three more healthy lunch and snack recipes for children:

1. Mini Quiches:

Ingredients:

  • Whole wheat or gluten-free pie crust (store-bought or homemade)
  • Eggs
  • Milk (dairy or non-dairy)
  • Chopped vegetables (spinach, bell peppers, tomatoes, onions, etc.)
  • Grated cheese (cheddar, mozzarella, etc.)
  • Salt and pepper to taste

Instructions:

  • Preheat the oven according to the pie crust package instructions.
  • Roll out the pie crust and use a cookie cutter or cup to cut out small circles that will fit into mini muffin tins.
  • Place the pie crust circles into the muffin tin, forming mini crusts.
  • In a bowl, whisk eggs, milk, salt, and pepper to create the quiche mixture.
  • Distribute chopped vegetables and grated cheese into each mini crust.
  • Pour the egg mixture over the vegetables and cheese.
  • Bake in the preheated oven until the quiches are set and golden brown.
  • Allow them to cool slightly before serving.

2. Yogurt Parfait:

Ingredients:

  • Greek yogurt (plain or flavored)
  • Mixed berries (strawberries, blueberries, raspberries)
  • Honey or maple syrup (optional)
  • Granola or crushed whole grain cereal

Instructions:

  • In a glass or jar, layer Greek yogurt, mixed berries, and a drizzle of honey or maple syrup (if desired).
  • Repeat the layers until the container is filled, leaving some space at the top.
  • Top with a sprinkle of granola or crushed cereal for added crunch.
  • Serve immediately or pack it for a healthy on-the-go snack.

3. Veggie Quesadillas:

Ingredients:

  • Whole wheat tortillas
  • Grated cheese (cheddar, mozzarella, etc.)
  • Sliced bell peppers
  • Sliced zucchini or squash
  • Chopped tomatoes
  • Sliced black olives (optional)

Instructions:

  • Heat a non-stick skillet over medium heat.
  • Place a tortilla in the skillet and sprinkle grated cheese on one half.
  • Add sliced bell peppers, zucchini or squash, chopped tomatoes, and black olives (if using) on top of the cheese.
  • Fold the tortilla in half over the veggies and cheese.
  • Cook for a few minutes on each side until the tortilla is golden brown and the cheese is melted.
  • Remove from the skillet and allow to cool slightly before cutting into wedges.

These recipes offer a mix of flavors and textures to keep children interested in healthy eating. Make sure to adapt the recipes according to your child's preferences and any dietary restrictions they may have.

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