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Published September 9, 2026 | Madrid, Spain | The Money Wise The JDR Journal™ Reflections on Money, Life & Intentional Living What a month in Madrid is teaching me about family, flexibility, financial discipline, and the freedom to choose how I spend my time. JDR enjoys a sunny day working on her laptop at a picturesque rooftop cafe, overlooking the iconic Metropolis building in Madrid. Her workspace is adorned with a motivational journal and a sleek tumbler, embodying a

Debt & Credit Reset

The Money Wise introduces a practical series to help Canadians move from debt stress to clarity, confidence and a stronger financial future. Published: August 18, 2026 | The Money Wise | hello@themoneywise.ca Debt has a way of becoming bigger than just a number. It can affect how you sleep, what you say yes to, the purchases you postpone, the opportunities you avoid, and even how you feel about yourself. You may know exactly how much you owe, or you might have reached the poi

Published: August 4, 2026 | The Money Wise | @themoneywise.ca Free resource inside | www.themoneywise.ca | hello@themoneywise.ca You already know how much you owe. What you probably don't know is how much it's actually costing you, not the monthly payment, the real number. And once you see it, you can't unsee it. That's where this post starts. Explore effective debt payoff strategies with TMW whether you choose the Avalanche, Snowball, or Hybrid method, the goal is clear:

Master the art of financial wisdom with practical money habits, smarter decisions, and proven strategies to build lasting wealth. Start your journey today.

JDR Page Founder Janeth Del Rosario shares 12 money mindset lessons from a cottage retreat in Northern Ontario, paired with practical TMW Money Tips.

Published: July 14, 2026 | The Money Wise | themoneywise.ca No spreadsheets required, just 15 minutes and these six numbers. We're officially past the halfway mark of 2026. Before the back-to-school chaos hits and fall bills start piling up, let's do a quick, no-judgment check-in on your money. Grab a coffee (or your cottage lemonade 🍋), this takes about 15 minutes, and you don't need a single spreadsheet. "Mid-Year Money Check-In: Essential Financial Review Tips for Canadia

Sometimes the greatest return on investment isn't measured in dollars. It's measured in moments.

Canada Day 2026 falls on Wednesday, July 1, marking 159 years since Confederation. The country is also riding a wave of national pride this summer as Canada co-hosts the FIFA World Cup, with matches taking place in Toronto and Vancouver, making July 1 feel especially significant.

Published: June 23, 2026 | The Money Wise | themoneywise.ca The 30-Second Judgment: Understanding Your Credit Score You know that feeling when you're about to apply for something big, a mortgage, a car loan, or even an apartment and you have no idea what your credit score actually says about you? You're not alone! Most Canadians have never seen their real number, let alone understood what's driving it. Here's the truth: your credit score isn't just a background detail. It's t

Published: May 5, 2026 | The Money Wise | themoneywise.ca Closing the Books on Tax Season: What’s Next for Your Finances? We made it! The April 30 personal tax filing deadline has come and gone. If you're self-employed, you have until June 15 to file, but any balance owing was still due April 30. For many of you, this season involved a lot of firsts: filing as a freelancer, making your first FHSA contribution, or working with a bookkeeper for the first time. That's huge, and

Published: April 21, 2026 | The Money Wise | themoneywise.ca The finish line is in sight. April 30, 2026, is exactly 10 days away. Whether you're ready to file today or still gathering the last of your documents, this post will help you cross the line. No jargon. No filler. Just a clear, actionable checklist and everything you need to file with confidence this April. 📅 Key Deadlines - April 2026 April 30, 2026 - Personal income tax filing deadline (all individuals) April 30,

Published: April 14, 2026 | The Money Wise | themoneywise.ca Earning more is a goal. Keeping more of it? That's a strategy. If your household income is above $200,000 or you own a business, hold investments, or receive dividends, the standard tax tips don't fully apply to you. Your tax situation is more complex, and the cost of not planning is proportionally higher. In Ontario, the top combined federal and provincial marginal rate hits 53.53% on income above $253,414. That me

A little organization now saves hours of stress later, and more importantly, ensures you don't leave eligible credits unclaimed or get caught short in an audit. The system doesn't have to be complicated. One well-maintained folder throughout the year is all it takes.

Published: March 31, 2026 | The Money Wise | themoneywise.ca Tax season only comes once a year, but the mistakes you make can follow you for months, sometimes years. Whether it's a forgotten slip, a missed credit, or simply filing a day late, the Canada Revenue Agency (CRA) has both the tools and the mandate to find those errors. The good news? Every single mistake on this list is completely avoidable. This week, we're laying it all out: the 7 most common (and costly) tax fil

Investment Income Tax Guide Canada 2025 - Dividends, Capital Gains, and Interest

Published: March 17, 2026 | The Money Wise | themoneywise.ca Retirement should be about enjoying the fruits of decades of hard work, not leaving money on the table at tax time. Yet every year, thousands of Canadian seniors miss credits, miscalculate their withdrawals, or get caught off guard by the OAS clawback. This week, we're breaking down everything retirees need to know: CPP and OAS amounts for 2026, RRIF withdrawal rules, pension income splitting, and the credits that c

Published: March 10, 2026 | The Money Wise | themoneywise.ca Tax Credits You're Probably Missing Think you've claimed everything? Most Canadians miss hundreds in medical credits and donation tax breaks. Here's what to look for on your 2025 return. Most Canadians focus so hard on their RRSP deadline (and if you missed last week's post, go back and read it!) that they completely forget about a whole category of credits and deductions sitting quietly on their tax return, waiting

Published: March 3, 2026 | The Money Wise | themoneywise.ca Here's Everything You Need to Know Filing your taxes for the first time can feel intimidating, but it doesn't have to be. Whether you just turned 18, landed your first job, recently moved to Canada, or graduated and started earning income, this guide will walk you through everything step by step. Good news: filing your taxes isn't just about paying the government. In most cases, it actually puts money back in your po

Homeowner Tax Deductions and Credits