A suggested path · skip to what you need
Growing a family
Plan around care, changing income and education possibilities.
Make this path your own
Families grow in different ways. Begin with the transition you are facing; these steps do not assume marriage, two incomes or biological parenthood. If contributions are unaffordable, the Learning Bond guide is a useful direct entry.
Explore the steps
- Planning a parental-leave budget
Separate benefits, employment leave and the cash needed in each month.
- Family benefits and credits: where to start
Check programme eligibility and update household information.
- RESP basics: whose money is in the plan?
Understand the education account, its parts and withdrawal boundaries.
- Canada Learning Bond: education savings when money is tight
Explore a benefit for eligible children that needs no personal deposits.
- CESG: the basic grant, catch-up room and additional help
Distinguish ordinary matching, catch-up rules and additional benefits.
- How much could you put into an RESP?
Test an affordable contribution instead of treating a grant maximum as a requirement.
- A family money check-in, without judging each other
Keep care costs and family priorities in a manageable conversation.
One useful thing to take away
Choose a question to resolve, the record or source that could answer it, and one next action. You can return here at any time; there is no completion score.
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