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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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Race Against the Clock: Iran and European Powers Set for High-Stakes Nuclear Talks

 

File photo: An Iranian missile is launched during a military exercise in an undisclosed location in Iran

In a pivotal diplomatic move, Iran and three major European powers — France, Britain, and Germany — have agreed to resume negotiations next week aimed at reviving stalled nuclear and sanctions discussions.

The talks come just days before an August 31 deadline set by the so-called “E3” to trigger the UN’s “snapback” sanctions mechanism, which would reinstate punitive measures lifted under the 2015 nuclear deal. European officials have warned that unless Iran commits to a verifiable and lasting agreement to address concerns over its uranium enrichment programme, sanctions will return in full force.

Tensions have escalated since June, when a 12-day conflict between Israel and Iran prompted Tehran to cut off cooperation with the International Atomic Energy Agency (IAEA). Restoring IAEA access is expected to be a central point of contention in the upcoming talks.

Iranian Foreign Minister Abbas Araqchi has rejected the legitimacy of the European threat, accusing the E3 of lacking “legal and moral competence” to invoke snapback sanctions, but maintained that Tehran remains open to diplomacy that safeguards its national interests.

With the snapback provision set to expire in October, the coming week’s negotiations may represent the last opportunity for both sides to avert a renewed cycle of sanctions and mistrust.

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