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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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Deadly Strikes in Kyiv Shadow U.S.–Russia Peace Talks in Abu Dhabi



As diplomats from the United States and Russia convened in Abu Dhabi to discuss possible pathways to end the war in Ukraine, the conflict on the ground intensified with deadly consequences. Russian missile and drone strikes on Kyiv overnight killed at least six people and wounded more than a dozen, according to Ukrainian emergency officials. The attacks damaged residential buildings and energy infrastructure, leaving parts of the capital without water, electricity, or heating.

The timing of the strikes underscored the fragile nature of the diplomatic push. U.S. Army Secretary Dan Driscoll led the American delegation in Abu Dhabi, following earlier talks with Ukrainian officials in Geneva. The meetings, approved by Russian President Vladimir Putin, are part of a renewed effort by Washington to broker a peace plan. However, the proposals reportedly involve conditions such as limiting Ukraine’s military capabilities and barring NATO membership—terms Kyiv has long rejected as unacceptable.

Meanwhile, Ukraine launched its own counterstrikes in Russia’s Rostov region, killing three people and damaging homes. The tit-for-tat assaults highlight the difficulty of achieving a ceasefire while both sides continue to escalate militarily.

European leaders have warned against any settlement that could amount to capitulation for Ukraine, stressing that a lasting peace must respect Ukraine’s sovereignty and territorial integrity. Ukrainian President Volodymyr Zelenskyy is also expected to engage in further talks with U.S. officials this week, as Kyiv seeks assurances that its interests will not be sidelined in negotiations.

The Abu Dhabi talks are seen as preliminary, laying the groundwork for higher-level engagements in the future. Yet, with missiles still raining down on Ukrainian cities, the gulf between diplomacy and battlefield realities remains stark.


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