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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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Lobbying Surge Among Ontario Training Fund Recipients Raises Questions

David Piccini, Ontario Minister of Labour, Immigration, Training and Skills Development speaks as Ontario Premier Doug Ford listens during a funding announcement earlier this year. The government’s Skills Development Fund was criticized by the auditor general in a report Wednesday. 

Ontario’s Skills Development Fund (SDF) is under scrutiny as more grant recipients are turning to lobbyists to secure funding. Data shows that organizations receiving millions in taxpayer-funded grants have increasingly hired lobbying firms to advocate on their behalf.

In the program’s most recent round, a significant portion of the funding went to groups with political connections, raising concerns about fairness and transparency. Some organizations received large sums despite lower application scores, while others with stronger proposals were overlooked.

Critics argue that this trend suggests lobbying influence may be overshadowing merit-based decisions. Questions have also been raised about whether public money is being directed toward projects that genuinely serve workforce development, as some recipients have been linked to unconventional ventures.

The government maintains that the program is essential for addressing labour shortages and supporting Ontario’s workforce. Still, the growing reliance on lobbyists by grant recipients has sparked debate over accountability and the role of political influence in public funding decisions.


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