This subreddit is a place to discuss anything related to Canadian personal finance.

The topic of “personal finance” includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news and discussions, and a variety of similar topics.

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Rules

1) Posts must be about personal finance in Canada

This covers a very wide variety of topics, including banking, employment, budgeting, minimizing recurring or popular expenses, and more.

2) Be helpful and respectful

Be patient with others. Keep disagreements polite. You can feel free to be “harsh”, but never insulting. Refrain from “judging” the financial situation of others – whether their situation is dire or well-off. Comments suggesting that sharing financial information in a personal finance subreddit is a “humblebrag” will be removed.

3) No soliciting of any kind

This includes referral links, your own blog or personal website, recommendations for users to do business with you, and also extends to PM’ing users because of comments they made on this subreddit.

4) Avoid most self-promotion

This subreddit is for discussion of personal finance in Canada. It’s not a venue to promote specific products or services, or to promote your personal blog or website. Repeated links to your personal blog or website as well as referral links may be removed without notice at the moderators’ discretion.

5) IamAs/AMAs must be approved by mods

If you’d like to host an “I Am A/Ask Me Anything” (IamA/AMA) thread, you must first contact the moderators for approval. We will evaluate if your topic is suitable for the subreddidt and will set a date to avoid conflicts. Unapproved AMAs may be removed without notice at the moderator’s discretion.

Posting guidelines

Include sources.

A good answer will be supported by relevant and reliable sources. Answers that link only to your personal blog or website are considered low-quality and may be removed at the moderators’ discretion.

Have an in-depth answer.

Use a mix of context, explanation, and sources in your answer. Do not just post links to other sites as an answer. If you do believe a source fully answers a question then consider including a quote from the source.

Be inquisitive, and clear if you are unsure.

If you have heard or read something which might be related to the question, and you want to check it, then make sure you ask it as a question. Do not post “I’m not sure if this is true…” or “Someone will correct me if I’m wrong.” If you’re not actually answering the question, then make sure your comment looks like a question.

Wiki / Frequently asked questions

Reading list / recommended books

Step by step guide of what to prioritize / what to do with money

Frequently asked questions

Wiki index with many more subjects

Related subreddits

/r/personalfinance

/r/investing

/r/CanTax

/r/CanadianInvestor

/r/FinancialIndependence

/r/fican

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