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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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G20 Nations Unite in Johannesburg as US Stays Away


World leaders gathered in Johannesburg for the first-ever G20 summit hosted in Africa, where they adopted a joint declaration despite a boycott by the United States. The move broke with tradition, as declarations are usually finalized at the end of such meetings. Instead, South African President Cyril Ramaphosa announced that consensus had been reached at the very start of the summit, calling it a victory for multilateral cooperation and a milestone for Africa’s role in global diplomacy.

The declaration, drafted without U.S. input, reportedly addressed pressing global challenges such as climate change and economic inequality, issues that South Africa emphasized as central to poorer nations. Ramaphosa’s spokesperson stressed that the text “cannot be renegotiated,” highlighting months of preparation and intense final negotiations leading up to the summit.

The boycott was ordered by President Donald Trump, who accused South Africa’s government of discrimination against white citizens—a claim widely criticized as baseless. Washington officials condemned the declaration as “shameful,” particularly objecting to language on climate commitments, which the U.S. has consistently resisted in international forums.

Despite U.S. opposition, the remaining G20 members stood united. Leaders described the unanimous adoption as a demonstration of resilience and solidarity, underscoring the importance of collective action in addressing global crises. For South Africa, hosting the summit and securing consensus marked a symbolic achievement: positioning Africa at the center of international decision-making and amplifying the voices of developing nations.



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