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Picture of Mikeal Janifa

Mikeal Janifa

Mikeal Janifa writes plain-English guides on borrowing, credit, and everyday money for Canadians at The Finance Guys. He focuses on helping readers understand the real cost of a loan before they sign.
Canadian couple mapping their 2026 benefit payment dates with a calculator and laptop at the kitchen table

Benefit Payment Dates Canada 2026: Your Complete Calendar

Mikeal Janifa July 3, 2026

By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published July 3, 2026 · Last updated July 3, 2026 If you want the

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Ontario couple planning their budget around the 2026 Ontario Trillium Benefit payment dates

Ontario Trillium Benefit Payment Dates 2026: Easy Guide

Mikeal Janifa June 30, 2026

By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published June 30, 2026 · Last updated June 30, 2026 If you are looking

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EI Payment Dates 2026: Your Easy, Complete Guide

Mikeal Janifa June 27, 2026

EI has no fixed monthly date. Here is how 2026 EI payment dates actually work, how much EI pays, and how to make sure your money arrives on time.

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Senior Canadian couple reviewing their 2026 GIS payment dates in a bright home

GIS Payment Dates 2026: Your Complete Income Guide

Mikeal Janifa June 24, 2026

By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published June 24, 2026 · Last updated June 24, 2026 Looking for the GIS

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Senior Canadian couple reviewing CPP payment dates 2026 at their kitchen table

CPP Payment Dates 2026: Your Complete Pension Guide

Mikeal Janifa June 21, 2026

The full 2026 CPP payment dates, the next payment, how much CPP pays this year, and who qualifies — a plain-language guide for Canadian retirees.

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Wooden tiles spelling CREDIT illustrating how credit scores work in Canada

How Credit Scores Work in Canada: Essential 2026 Guide

Andre Lapointe June 18, 2026

By Andre Lapointe, Credit & Debt Specialist at The Finance Guys · Published June 18, 2026 · Last updated June 18, 2026 Credit scores in

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Senior couple in Canada planning around OAS payment dates 2026

OAS Payment Dates 2026: Your Complete Pension Guide

Mikeal Janifa June 16, 2026

The full 2026 OAS payment dates, how much Old Age Security pays this year, who qualifies, and what to do if a payment is late.

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Parent and child at home, a family that receives Canada Child Benefit payments

CCB Payment Dates 2026: Your Complete Benefit Guide

Mikeal Janifa June 16, 2026

By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published June 16, 2026 · Last updated June 16, 2026 Looking for the CCB

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Chart of personal loan interest rates over time with a calculator in Canada

How Personal Loan Interest Rates Work in Canada (2026)

Andre Lapointe June 1, 2026

What sets your personal loan interest rate in Canada, how APR works, the 35% cap, and how to get a lower rate.

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Person reviewing finances while considering a bad credit loan in Canada

How to Borrow With Bad Credit in Canada (2026)

Andre Lapointe May 30, 2026

How to borrow with bad credit in Canada: what to expect, your options, the 35% APR cap, avoiding guaranteed-approval scams, and rebuilding your score.

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