Canada Β· Living tips
Tax Tip: Bunch Two Years of Donations Into One to Beat the $200 Tier
Charitable giving in Canada is a credit, not a deduction β and it's tiered. For 2026 the federal credit is 14% on the first $200 oβ¦
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Canada Β· Living tips
Tax Tip: Open Your FHSA Now β Contribution Room Only Starts After You Open
The First Home Savings Account gives you both sides of the tax game: contributions are deductible like an RRSP, and qualifying witβ¦
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Canada Β· Living tips
Tax Tip: Cross $30,000 in Sales and GST/HST Registration Becomes Mandatory
You don't register for GST/HST when you feel like it β the law decides. Once your worldwide taxable sales pass $30,000 in a singleβ¦
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Canada Β· Living tips
Tax Tip: The $2/Day Home Office Shortcut Is Gone β Do the Detailed Claim Right
Many newcomers still believe they can claim $2 per work-from-home day with no receipts. That temporary flat-rate method applied onβ¦
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United States Β· Living tips
Tax Tip: Fund Your 401(k) to the Match First, Then the IRA
Newcomers to the US often ask which retirement account to use first. The math has a clear order: an employer 401(k) match is an inβ¦
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Canada Β· Living tips
Tax Tip: Pool the Family's Medical Bills Under the Lower-Income Spouse
The medical expense credit only applies to spending above a threshold β the lesser of 3% of net income or $2,890 for 2026. A lowerβ¦
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United States Β· Living tips
Tax Tip: Skip Quarterly Payments and the IRS Charges You Interest
The US taxes income as you earn it. If you'll owe $1,000 or more beyond withholding β freelancers, landlords, anyone with a side gβ¦
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Canada Β· Living tips
Tax Tip: The RRSP Deadline for 2026 Is March 1, 2027 β Not December 31
The single most misunderstood date in Canadian tax: RRSP contributions made in the first 60 days of 2027 still count toward your 2β¦
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Canada Β· Living tips
Tax Tip: TFSA Overcontributions Cost 1% Per Month β Check Before You Top Up
Unlike the RRSP, the TFSA has no $2,000 buffer. Every dollar over your contribution room is taxed at 1% per month for as long as iβ¦
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Canada Β· Living tips
Tax Tip: Photograph Every Receipt the Day You Get It
A shoebox of faded thermal-paper receipts is how deductions die. The CRA requires you to keep supporting documents for at least siβ¦
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