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The GST/HST Credit Has a New Name — And It's Paying 25% More

  Sunday, July 19, 2026 If you've relied on the quarterly GST/HST credit, that name is gone for good. Here's what replaced it, how much more it's worth, and whether you need to do anything to get it. For years, the GST/HST credit quietly landed in millions of Canadian bank accounts every three months — a modest, tax-free top-up meant to offset sales tax on everyday purchases. As of this month, that program no longer exists under its old name. It's now the Canada Groceries and Essentials Benefit (CGEB) , and the federal government has permanently increased the payment by 25%, locked in for five years. If you already qualified for the GST/HST credit, you don't need to apply for anything new. But you should know what changed, because the numbers — and the timeline — are more involved than a simple rename. What actually changed The CGEB was first announced by the federal government in January 2026 as part of a broader affordability push, and it became law with the passa...
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Back-to-School on a Budget: Smarter Spending for a Smarter Year

                                            The return of the school year often comes with a hefty price tag. 


As the school year approaches, so does the inevitable shopping list — from binders to backpacks, it can all add up fast. But with a little planning and creativity, you can keep costs down without cutting corners.

1. Take Stock Before You Shop

Before you rush to the store, check your home for leftover supplies from last year. You might be surprised how many pens, notebooks, and art materials are already hiding in drawers.

2. Swap & Share

Organize a “school supply swap” with friends, neighbors, or your child’s classmates. Exchanging gently used items like lunch bags or clothing can save everyone money.

3. Hunt for Discounts

Look out for student discounts, loyalty programs, or price-match guarantees. Shopping during tax-free weekends (if available in your area) can also make a noticeable difference.

4. Buy Quality Where It Counts

Some items — like a sturdy backpack or good-quality shoes — are worth the extra investment. Spending a bit more up front can save you from replacing them mid-year.

5. Embrace the Digital Shift

Whenever possible, opt for free online resources instead of costly workbooks or reference guides. Many teachers welcome digital submissions, cutting down on paper needs.



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