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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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Putin Warns Europe of Potential Gas Cut Amid Middle East Turmoil

 

Russia is signaling that it may halt natural gas supplies to Europe as energy markets reel from the escalating crisis in Iran. President Vladimir Putin warned that soaring oil and gas prices—driven by conflict involving Iran, the U.S., Israel, and Gulf states—have created conditions in which Moscow could redirect its fuel exports to more lucrative markets.

The turmoil has disrupted key energy routes, including shipping through the Strait of Hormuz, and forced shutdowns of major facilities such as Qatar’s LNG production and Saudi Arabia’s largest oil refinery. These disruptions have intensified global supply pressures, pushing prices sharply higher. 

Putin linked the potential cutoff to the European Union’s ongoing efforts to phase out Russian gas, including bans on new LNG contracts and a planned end to pipeline imports by 2027. With Europe moving away from Russian energy, he suggested that Russia could pivot toward buyers willing to pay premium prices, particularly in Asia. 

The warning underscores how geopolitical tensions in the Middle East are reshaping global energy flows and amplifying Europe’s vulnerability as it transitions away from Russian fuel.

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