THE CANADIAN MONEY JOURNAL
Budgets, saving and everyday decisions.
Clear guides and practical tools for the life
you’re building in Canada.
A little understanding
changes the way you look.
What belongs in your budget? What is a reserve really for? Which account conditions matter to you? We start with everyday questions, explain the details and give you something useful to work with.
Our editorial approachA LITTLE STRUCTURE. A NEW PERSPECTIVE.
Start with the question in front of you. Choose a focus and find a practical place to begin.
Illustrative amounts, not a recommended allocation.
Bring income, commitments and occasional costs into the same picture.
Try your own numbersAn unexpected expense and a planned purchase ask different things of your money.
Explore the cash-cushion guideA headline is
only the beginning.
Same questions. A clearer comparison.
Put fees, access and conditions beside each other before making a decision.
Read the account-comparison guide02 / SELECTED FROM THE JOURNAL
Build a useful picture of your income, everyday costs and the things that don’t happen every month.
Separate the unexpected from the occasional, then choose a starting point that fits your circumstances.
A plain-language way to organise your questions before choosing or contributing to a registered account.
PERSONAL FINANCE IS PERSONAL.
A changing income. A shared household. Something you didn’t see coming. Your plan should start with the life you actually live.
Our approach is simple: clear language, practical exercises and sources you can check for yourself.
Start the conversation03 / LESS GUESSWORK, MORE PERSPECTIVE
No account. No sign-up. No judgement.
Just a simple way to see what is allocated—and what isn’t.
YOUR MONTH, AT A GLANCE
Try the example, then change the amounts. Everything stays in this browser tab.
All amounts in Canadian dollars (CAD).A starting point for a decision, not a spending recommendation.
Illustration only. This is a monthly cash-flow snapshot, not financial advice, a forecast or a recommended allocation.
04 / TAKE SOMETHING USEFUL WITH YOU
A blank page can be the hardest part.
These uncomplicated worksheets give you a place to begin.
A FEW THINGS WORTH KNOWING
This website provides general education and practical learning resources. It does not assess your individual situation or provide personal investment, financial, tax or legal advice.
No. The calculation happens in your browser tab. Your inputs are not transmitted or saved, and reloading the page restores the example.
Yes. The guides use Canadian context and link to official Canadian resources. Account rules, eligibility and product terms should still be checked against your own circumstances and the current source.
No account, email address or sign-up is required. Download a CSV or text file and use it on your own device.
Email contact@altify-digitaladvisory.com with the page address and a short explanation. Please include a relevant public source if you have one, and do not send sensitive financial records.