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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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A New Era for the Papacy: Could Asia or Africa Lead the Vatican?

As the Catholic Church mourns the passing of Pope Francis, the world turns its attention to the Vatican, where the College of Cardinals will soon convene to elect the next pope. This historic conclave has sparked speculation about the possibility of a pontiff emerging from Asia or Africa, regions where Catholicism is experiencing rapid growth and profound influence.

The late Pope Francis, the first Latin American pope, broke centuries-old traditions by shifting the Church's focus toward global inclusivity. His appointments of cardinals from diverse backgrounds have reshaped the College of Cardinals, with nearly a third now hailing from Asia and Africa. This demographic shift reflects the Church's growing presence in these regions, where vibrant communities and increasing vocations are reshaping the Catholic landscape.

Among the leading contenders are Cardinal Luis Antonio Tagle of the Philippines, often referred to as the "Asian Francis," and Cardinal Fridolin Ambongo of the Democratic Republic of Congo, a staunch advocate for social justice. Both candidates embody the Church's evolving priorities, emphasizing pastoral care, environmental stewardship, and outreach to marginalized communities.

The election of an Asian or African pope would mark a transformative moment in the Church's history, signaling a commitment to its global mission and the diverse voices within its fold. As the conclave approaches, the world watches with anticipation, hopeful for a leader who will guide the Church into a new chapter of inclusivity and renewal.

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