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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: October 23, 2024

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Even if you are the sort of Scorpio who generally plays by the book you will accomplish more this year if you try something new. Listen to what your inner voice tells you and then just do it. If you think too much your creativity will suffer.

ARIES (March 21 - April 20):

What others expect of you today may seem trivial and a waste of your precious time but if you knuckle down and make a good job of it you will get much better opportunities in the near future. Think of it as a test of your commitment.

TAURUS (April 21 - May 21):

If you feel you have reason to complain about the way you are being treated on the work front then you must speak up. With both the sun and Mercury moving through the partnership area of your chart your grievance will not go unnoted.

GEMINI (May 22 - June 21):

Just because someone wants to know your opinion about something does not mean you have permission to be hyper-critical. If they trust you enough to want your advice the least you can do is to be honest in a way that does not risk destroying their confidence.

CANCER (June 22 - July 23):

If you have to deal with someone you don’t approve of today be smart and keep your personal feelings to yourself. It’s quite likely that they feel the same way about you as you do about them. You just have vastly different values.

LEO (July 24 - Aug. 23):

The more others tell you that something cannot be done the more determined you will be to prove them wrong. There is nothing Leo enjoys more than a challenge, so get stuck in and show a doubting world what a real winner looks like.

VIRGO (Aug. 24 - Sept. 23):

Others will approach you as if you are someone special today and, of course, you will be suspicious of their motives. Do they have a deceitful reason for flattering you? Maybe, but more likely they genuinely believe that you are deserving of praise.

LIBRA (Sept. 24 - Oct. 23):

Don’t hesitate to say what you think today, even if you know that some people won’t like it. If you keep your thoughts to yourself then you will be partly to blame when something goes wrong – because you failed to speak up when you should have.

SCORPIO (Oct. 24 - Nov. 22):

You may have been a bit timid in your dealings with other people in recent weeks but now that the sun is moving through your sign you will if anything go to the other extreme. You must stay calm though – ranting and raving won’t change a thing.

SAGITTARIUS (Nov. 23 - Dec. 21):

You don’t need anyone’s help to work out what is going on in your environment – your instincts as to what kind of people you are dealing with are as usual spot on. And if those same instincts tell you not to get involved then stay well clear.

CAPRICORN (Dec. 22 - Jan. 20):

If there is someone in your social sphere that you would like to know better then speak up and say Hello. It’s more than likely they want to make your acquaintance as well, so break the ice and make the first move – they’ll love you for it.

AQUARIUS (Jan. 21 - Feb. 19):

An offer that arrives out of the blue may be tempting but is it really the right thing for you? The planets warn if you commit yourself too soon you may regret it when you realize how much of your precious time you have to give up.

PISCES (Feb. 20 - Mar. 20):

Everyone wants to be your friend now, which is nice, but because you have so many existing commitments you must be sensible and limit the amount of time you spend on social engagements. There will be plenty of time for fun and games later on.


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