Key points
Housing and transportation remain the two biggest budget levers.
Benefits and refundable credits can materially improve net cash flow.
A realistic budget should include annual payments and credits, not only monthly bills.
Useful pages
FAQ
Where should I start?
Start with housing, transport, and debt. Those are usually the fastest ways to change the budget path.
Is Quebec cheaper across the board?
Not across every category. Some structural costs are lower, but housing can offset the advantage quickly.
See what may improve your budget
The questionnaire adds the benefits view to the budgeting view.
Start the questionnaire