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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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Taylor Swift's Toronto Era: A Lesson in Joy from Her Fans

Taylor Swift is currently in the midst of her highly anticipated "Toronto era," captivating fans with her Eras Tour. The City of Toronto has even renamed a street to "Taylor Swift Way" in her honor, adding to the excitement. But it's not just the concerts that are making waves; it's the infectious joy and enthusiasm of her fans, known as "Swifties," that are truly inspiring.

Swifties from all over the world have flocked to Toronto, creating a vibrant and welcoming atmosphere. Their dedication and love for Taylor Swift are evident in the way they come together, share experiences, and celebrate her music. This sense of community and joy is something we can all learn from.

In a world that can often feel divided and stressful, the Swifties remind us of the power of unity and positivity. Their ability to find joy in music and in each other is a testament to the impact that shared passions can have on our lives. So, whether you're a Swiftie or just an admirer from afar, there's a valuable lesson to be learned from this Toronto era: embrace joy, find community, and let the music move you.


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