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With our real estate market ballooning out of control, it's all the more important for first-time home buyers to make every dollar count. FHSAs and TFSAs are a great way to do this, but it can be challenging to understand all the rules and penalties can be costly if you make a mistake.

Savings, savings, savings! It's a great thing to work on, and a lot of people have been asking some questions about them as we roll into the new year. When in doubt, always ask your accountant first!

I promise, this is the last post about CERB & CEBA. After this, I'll retire the topic. But, I've been getting a lot of questions about it lately as the loans come due. Make sure you're paying back what you owe -- not a penny less and not a penny more!