Money & tax
Tax returns, benefits, banking and the paperwork of money.
- 0File your first tax return in Canada as a newcomerThe first year is the one that trips people up: the residency date, world income, and applying for benefits before you've ever filed. File even if you earned nothing here; it's how the benefits keep coming.
- 0Freeze your credit at all three bureaus (US)It's free, it doesn't touch your credit score, and it's one of the most useful things you can do after a data breach. About half an hour for the three bureaus, plus a few minutes per kid.
- 0Set up a family budget you'll actually keepNot the spreadsheet you abandon in February. One sitting to see where the money really goes, one to agree on numbers, then ten minutes a week. Works for a couple, a family, or just you.
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