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Start Saving Now for September: Your RESP Checklist Before the School Year Hits

  Canadian Money Brief · Family Finance September feels a long way off on July 1. That's exactly why now is the right time to look at your child's RESP — not in late August when the school supply list arrives and the grant math gets rushed. If you have a Registered Education Savings Plan (or you've been meaning to open one), here's what to check right now, and why the calendar year — not the school year — is what actually matters. Why July, Not August The Canada Education Savings Grant (CESG) — the government's 20% match on RESP contributions — runs on the calendar year , not the school year. Grant room for 2026 resets on a January-to-December basis, and it doesn't carry any special "back to school" deadline. But summer is genuinely the best time to check your numbers, for three reasons: You still have six full months left in the year to top up if you're behind. Contributions made now have more time to grow before your child needs the money. You av...
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Health and Fitness: Tips for the Fall Season

                                 

Fall is here, and with it comes cooler weather, shorter days, and a lot of temptations to stay indoors and indulge in comfort foods. However, fall is also a great time to focus on your health and fitness goals, and to prepare your body and mind for the winter ahead. Here are some tips to help you stay healthy and fit this fall season.

1.  Keep moving. Exercise is essential for your physical and mental well-being, especially as the days get darker and colder. Aim for at least 150 minutes of moderate-intensity aerobic activity per week, such as brisk walking, jogging, cycling, or swimming. You can also try some outdoor activities that are fun and seasonal, such as hiking, raking leaves, or playing in the park with your kids or pets.

2.  Eat well. Fall is a time of harvest, and there are plenty of nutritious and delicious fruits and vegetables in season, such as apples, pears, pumpkins, squash, kale, and Brussels sprouts. Incorporate these foods into your meals and snacks, and enjoy the variety of flavors and colors they offer. Avoid processed and sugary foods that can spike your blood sugar and make you feel sluggish. Instead, opt for whole grains, lean proteins, healthy fats, and plenty of water to keep you energized and hydrated.

3. Boost your immunity. As the flu season approaches, it is important to take care of your immune system and prevent infections. Some ways to boost your immunity include getting enough sleep, managing stress, washing your hands frequently, and getting vaccinated. You can also supplement your diet with foods that are rich in vitamin C, zinc, and antioxidants, such as citrus fruits, berries, nuts, seeds, and green tea.

4. Stay positive. Fall can be a challenging time for some people who struggle with seasonal affective disorder (SAD), a type of depression that occurs during the fall and winter months. If you feel sad, hopeless, or irritable during this time of the year, you are not alone. Seek professional help if you need it, and try some natural remedies that can improve your mood, such as light therapy, aromatherapy, meditation, or yoga.

5. Set goals. Fall is a great time to reflect on your achievements so far this year, and to set new goals for the rest of the year and beyond. Whether you want to lose weight, gain muscle, run a marathon, or learn a new skill, having a clear and realistic goal can motivate you to take action and track your progress. You can also reward yourself for reaching your milestones along the way, such as buying new clothes, getting a massage, or taking a trip.


Fall is a beautiful and exciting season that offers many opportunities to improve your health and fitness. By following these tips, you can make the most of this time of the year and enjoy the benefits of a healthy and fit lifestyle.

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