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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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Wall Street Holds Steady as S&P 500 Hits Record Ahead of Christmas Break

Market Snapshot – December 24, 2025

  • Dow Jones Futures: Flat at 48,735 points
  • S&P 500 Futures: Near 6,957 points, little changed after Tuesday’s record close
  • Nasdaq 100 Futures: Slight dip of 0.1% to 25,796.5 points
  • S&P 500 Index: Closed Tuesday at 6,909, its latest all-time high

Key Drivers

  • Robust economic growth continues to fuel investor optimism.
  • Seasonal “Santa Claus rally” has lifted stocks for four consecutive sessions.
  • Markets will close early today at 1 p.m. EST and remain shut tomorrow for Christmas Day.
  • Traders remain cautious about inflation and potential Federal Reserve rate cuts in 2026.

Quick Take

Wall Street enters the holiday season on a high note, with the S&P 500 near the 7,000 mark and futures showing little movement. The shortened trading session means liquidity will be thin, amplifying small moves. Still, the overall tone remains upbeat, with investors betting that the year-end rally will carry into the final days of 2025.


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