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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.

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