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We Built a Budget Planner Spreadsheet for Canadian Households — Here's What's Inside

  If you've been reading our RRSP/TFSA/FHSA and household budgeting pieces, you already know the line we keep coming back to: a plan is only as good as your ability to actually track it. So we built something to close that gap. Introducing the Canadian Budget Planner It's an editable spreadsheet — not a course, not a subscription, just a tool you can start using today — built specifically around how Canadian households actually budget. What's inside: Monthly Budget tab — Planned vs. Actual across Housing, Transportation, Debt, Food, Personal and more, with totals and your savings rate calculated automatically RRSP, TFSA and FHSA contributions get their own line — treated as a required part of the budget, not whatever's left over at the end of the month Annual Overview tab — a 12-month view with an auto-updating income-vs-expenses chart and a savings-rate chart, so you can see your trend across the year Just fill in the blue cells — every total, difference, and percen...

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Your daily horoscope: July 30, 2024

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

There will be times this year when you have to make decisions that you know will affect the futures of a lot of people. You may want to make those decisions with your heart but if you are aiming to do the greatest good they must be strictly rational.

ARIES (March 21 - April 20):

No matter how difficult a spell a relationship has been going through it will come together again as from today. You may still disagree on some issues but you both now realize that compromise is possible and communication is the key to mutual respect.

TAURUS (April 21 - May 21):

If you need assistance today just open your mouth and ask for it. If you keep your head down and say nothing then others will assume that everything is okay and not lift a finger to help you. They cannot be expected to read your mind.

GEMINI (May 22 - June 21):

A difficult task lies ahead of you but if you are serious about making a good job of it then it is sure to be a success. With Mars and Jupiter moving through your sign the one attribute you are not lacking at the moment is confidence.

CANCER (June 22 - July 23):

You have taken some tough decisions in recent weeks, some of which seemed a bit ruthless to those on the receiving end, but you are in no mood to play games or forgive people who have let you down. You may have to be ruthless again today.

LEO (July 24 - Aug. 23):

You must not allow yourself to get bogged down in petty details, not when there are so many major issues requiring your attention. Your greatest talent is your ability to see the bigger picture, so leave the small stuff to those of more limited vision.

VIRGO (Aug. 24 - Sept. 23):

Some very important people have been watching you closely and there could soon be a promotion of some kind coming your way. They particularly admire the way you handle yourself when dealing with those who are openly hostile to your plans.

LIBRA (Sept. 24 - Oct. 23):

No, Lady Luck has not deserted you and what occurs over the next few days will restore your belief that you are destined for bigger and better things. Opportunities are most likely to arrive via friendships – a perfect excuse to keep your social life active.

SCORPIO (Oct. 24 - Nov. 22):

No good deed ever goes unnoticed and you will receive something worth having today in return for all the favors you have done for other people in recent weeks. The universe especially values those who help friends and colleagues in their hour of need.

SAGITTARIUS (Nov. 23 - Dec. 21):

You will leave a task to the very last minute today but you enjoy the pressure and will make a thoroughly good job of it. Not everything in your life needs to be on a deadline though – there is no cut-off point for telling people you love them.

CAPRICORN (Dec. 22 - Jan. 20):

Recent events may have been frustrating in that they did not yield the results you expected but you stuck to it and refused to be beaten and now you will receive your reward. Something both unexpected and amazing is about to happen in your life.

AQUARIUS (Jan. 21 - Feb. 19):

You don’t have to prove that you are smarter than your rivals but you will do so anyway just for the fun of it. Venus in your opposite sign means that even those who are made to look foolish will be charmed by your wit and wisdom.

PISCES (Feb. 20 - Mar. 20):

You don’t care much for fame or fortune but you do care that people treat you with respect and you may have to remind someone of that fact over the next 24 hours. Don’t let them get away with criticizing the things in life you value the most.

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