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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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Germany Braces for Major Local Transport Shutdown

 

150 bus, tram and local train companies with around 100,000 employees are affected by the strike.


Germany is set to experience widespread disruption as the Verdi public sector union has called for a nationwide strike across local transport networks on February 27 and 28. The walkout aims to increase pressure in ongoing negotiations over wages and working conditions for public transport employees. 

The strike will affect around 100,000 workers across bus, tram, and local train services, impacting major cities including Berlin and Hamburg. Negotiations have shown little progress, prompting Verdi to escalate its actions. Union representatives argue that without significant improvements, the long-term stability of public transport services cannot be guaranteed. 

With services expected to grind to a halt in many regions, commuters should prepare for delays and seek alternative travel options during the two-day strike. 

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