As is often the case, understanding and managing your daily expenses can be less overwhelming if you divide the big tasks (everything!) into a series of smaller, achievable ones. Here are some tips to get you started (after you take a deep breath): <\/p>\n\n\n\n <\/p>\n\n\n\n First things first; you need a place to live. Many people choose to rent rather than buy a home when they\u2019re getting settled in a new place.<\/a> <\/p>\n\n\n\n You can securely send payments\u2014from application fees, to a security deposit, to monthly rent\u2014with Interac e-Transfer as long as the person or organization is set up to accept it. (Make sure to be alert to potential rental scams and fraud<\/a>). <\/p>\n\n\n\n It\u2019s worth noting that affordable housing continues to be a top political topic<\/a>. Canada\u2019s government has renewed efforts around affordable housing programs, and provides resources on finding housing to suit your budget and needs, including: <\/p>\n\n\n\n In addition, the national housing agency,\u202fCanada Mortgage and Housing Corporation (CMHC)<\/a>, has a dedicated section on housing for newcomers<\/a>. Because different provinces and territories have their own regulations, do consult the Provincial and Territorial Fact Sheets<\/a> for more information and contact details for provincial and territorial rental authorities. You can always seek individualized assistance from immigrant and newcomer services.<\/a> <\/p>\n\n\n\n Remember, when going through the housing process, you may need to verify documents or sign into government services. These Interac Verified<\/a> products can help: <\/p>\n\n\n\n Visit our step-by-step how-to guides for Interac sign-in service<\/a>, Interac verification service<\/a>, and Interac document verification service<\/a> for more information.<\/p>\n\n\n\n Grocery shopping is one of those tasks that seems as if it should be simple, until you\u2019re standing in an unfamiliar aisle, surrounded by new brands and different prices. <\/p>\n\n\n\n In Canada, as in other countries, grocery prices have continued to outpace inflation, prompting government measures.<\/a> Depending on your financial situation, you might be eligible for a goods and services tax credit.<\/a> <\/p>\n\n\n\n Regardless of your individual circumstances, there are grocery budgeting tips that will likely be familiar to newcomers, including exploring loyalty programs that offer discounts and rewards, memberships at bulk stores, and of course, the age-old method of clipping coupons\u2014physically or digitally. <\/p>\n\n\n\n You can shop for groceries in many different ways: in store, by ordering through a grocery store\u2019s app for pick-up or delivery, or through various other delivery services and meal programs. Depending on how you shop, you may be able to pay with Interac Debit and feel confident knowing you\u2019re spending your own money and in control of your finances. <\/p>\n\n\n\n Another great resource when it comes to budgeting basics is Credit Canada\u2019s Butterfly app<\/a>, sponsored by Interac, which offers tailored digital solutions and practice tools for newcomers. It\u2019s a multilingual resource that empowers newcomers to take control of their finances. <\/p>\n\n\n\n![\"\"](\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Tips-for-everyday-spending-in-CanadaR4-637x1024.png.webp\")
<\/figure>\n\n\n\nHome is where the heart is\u2026and most of your budget <\/h2>\n\n\n\n
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Grocery shopping in Canada <\/h2>\n\n\n\n