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How Canadian Savers Can Protect Their Money in 2026

As 2026 unfolds, Canadian savers are navigating a financial landscape shaped by falling interest rates, persistent living‑cost pressures, and evolving tax‑advantaged opportunities. Experts say this is the year to be intentional, strategic, and proactive with your money. Reevaluate Your Savings Accounts Interest rates have been trending downward, and many high‑interest savings accounts have quietly reduced their payouts. GIC rates remain more stable, but they too are expected to soften as rate cuts continue. What to do now: Check the current rate on every savings account you hold Compare alternatives and switch if your rate has dropped significantly Consider laddering GICs to lock in competitive yields while they’re still available Make the Most of Your TFSA The Tax‑Free Savings Account remains one of the most powerful tools for Canadians. With annual contribution room increasing over time, it’s an ideal place to shelter both short‑term savings and long‑term investments. Why...
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8 Tips to Save Money and Time on Last Minute Holiday Shopping

 

Here are some tips to save money and time on last minute holiday shopping:

  1. Make a list: Before you start shopping, make a list of all the people you need to buy gifts for and set a budget for each person. This will help you stay organized and avoid overspending.

  2. Shop online: Shopping online can save you time and money. You can easily compare prices and find the best deals without leaving your home. Many retailers offer free shipping during the holiday season, so take advantage of this to save even more.

  3. Use coupons and promo codes: Before you make a purchase, search for coupons and promo codes online. You can often find discounts that will help you save money on your purchase.

  4. Buy in bulk: If you need to buy gifts for multiple people, consider buying in bulk. This can help you save money and time.

  5. Shop early: The earlier you start shopping, the more time you have to find the best deals. You can also avoid the crowds and stress of last minute shopping.

  6. Consider gift cards: If you’re not sure what to buy someone, consider giving them a gift card. This can save you time and ensure that the recipient gets something they’ll love.

  7. Compare prices: Before you make a purchase, compare prices at different retailers. You may be able to find the same item for a lower price somewhere else.

  8. Use credit card rewards: If you have a credit card that offers rewards, use it to make your holiday purchases. You can earn cash back or points that you can use for future purchases.

Hopefully these tips help you save money and time on your last minute holiday shopping! 

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