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What to Do with Your Tax Refund: 5 Smart Moves for Canadians

  Tax Season · Personal Finance By MoneySavings.ca Editorial Team • May 7, 2026 • 7 min read Tax season is wrapping up across Canada, and for millions of Canadians, that means a refund cheque — or a direct deposit — is on its way. The average Canadian tax refund hovers around $1,800. That's real money. The question is: what's the smartest thing you can do with it? It's tempting to treat a tax refund like "found money" and splurge. But here's the truth — that refund was your money all along. The government was just holding it for you, interest-free. So before it quietly disappears into day-to-day spending, let's look at five moves that will make it work harder for you. $1,800 The average Canadian tax refund — enough to make a meaningful dent in debt, pad an emergency fund, or kick-start your TFSA for the year. 1 Pay Down High-Interest Debt First If you're carrying a balance on a credit card, this should be your very first call. Most Canadian credit car...
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Canadian Excel Maestro Claims World Spreadsheet Championship Title

 

Michael Jarman, a financial modelling director from Toronto, has been crowned the new world champion of managing spreadsheets in Microsoft Excel. Jarman clinched the title at the Microsoft Excel World Championships held in Las Vegas on December 4, 2024, defeating Australia's three-time champion Andrew Ngai in a thrilling finale.

The competition, which is akin to an esports event, required participants to build and manage spreadsheets to perform tasks and solve problems based on a World of Warcraft theme. Jarman's victory came after an intense final round where he successfully tracked various game statistics, including experience points and health, under immense pressure.

For his remarkable skills, Jarman took home a $5,000 prize and the event's signature championship belt. "It was an amazing feeling," Jarman said. "It's definitely a really great memory for me, and will be for a long time."

Jarman's triumph not only highlights his exceptional Excel abilities but also showcases the growing popularity of spreadsheet competitions as a unique and entertaining sport.



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