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Money Steps
The order of operations. The flowchart every Canadian should follow, in 10 clear steps.
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Step 0
Make a budget
Why this step
You can't optimise what you don't measure. Knowing your monthly cash flow is step zero - before any other financial move.
How to do it
Track every dollar for one month. A budget tracker, a Google Sheet, or even pen and paper all work. The tool doesn't matter - the act of tracking does.
Tools that help