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Start Saving Now for September: Your RESP Checklist Before the School Year Hits

  Canadian Money Brief · Family Finance September feels a long way off on July 1. That's exactly why now is the right time to look at your child's RESP — not in late August when the school supply list arrives and the grant math gets rushed. If you have a Registered Education Savings Plan (or you've been meaning to open one), here's what to check right now, and why the calendar year — not the school year — is what actually matters. Why July, Not August The Canada Education Savings Grant (CESG) — the government's 20% match on RESP contributions — runs on the calendar year , not the school year. Grant room for 2026 resets on a January-to-December basis, and it doesn't carry any special "back to school" deadline. But summer is genuinely the best time to check your numbers, for three reasons: You still have six full months left in the year to top up if you're behind. Contributions made now have more time to grow before your child needs the money. You av...
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Getting Children Ready for School - Tips for Working Parents



Here are some tips on how working parents can handle getting children ready for school:

1. Plan ahead: Prepare a schedule for the week ahead, including meal plans, homework schedules, and clothes for the next day. This will help you stay organized and avoid last-minute stress.

2. Involve your children: Encourage your children to take responsibility for their own tasks, such as packing their own lunches and laying out their clothes for the next day. This will help them develop independence and make them feel more involved in the process.

3. Prepare meals in advance: Consider preparing meals in advance, such as on weekends or evenings when you have more time. This will save you time during the week and ensure that your children have healthy meals to eat.

4. Create a homework routine: Establish a homework routine that works for your family, such as setting aside a specific time each day for homework. This will help your children develop good study habits and ensure that they complete their homework on time.

5. Ask for help: Don’t be afraid to ask for help from family members or friends if you need it. You can also consider hiring a babysitter or nanny to help with childcare and household tasks.


Remember, it’s important to take care of yourself as well as your children. Make sure to take breaks when you need them and prioritize self-care activities such as exercise, meditation, or reading a book.

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