Making your money last — and starting to grow it.
A realistic first-year budgetRent will likely take 30–45% of your income in big cities — build the rest of the budget around that reality, not around home-country habits.
Your emergency fund comes firstBefore investing anything, park three to six months of expenses in a high-interest savings account — newcomer jobs and leases can change fast.Exchange rates and moving money into CanadaUse the Bank of Canada rate as your benchmark, and remember you must declare CAD 10,000+ in cash or instruments at the border.