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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.
Canada RIT deposit surprise: checking an unexpected CRA payment on a phone

Canada RIT Deposit 2026: Your Complete Tax Refund Guide

Mikeal Janifa August 6, 2026

By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published August 6, 2026 · Last updated August 6, 2026 A Canada RIT deposit

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Canada FPT deposit checked in a mobile banking app at home

Canada FPT Deposit Explained: Easy 2026 Payment Guide

Mikeal Janifa August 3, 2026

By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published August 3, 2026 · Last updated August 3, 2026 A Canada FPT deposit

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Ontario Works payment dates 2026 circled on a monthly desk calendar

Ontario Works Payment Dates 2026: Your Easy Monthly Guide

Mikeal Janifa July 31, 2026

Every 2026 Ontario Works payment date, what time deposits land, current maximum amounts, and how to keep payments arriving on time.

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Single mother and daughter at home in Canada, family supported by single parent benefits

Single Parent Benefits Canada: Easy 2026 Program Guide

Mikeal Janifa July 28, 2026

Single parent benefits in Canada for 2026: the CCB, GST/HST credit, provincial child benefits, and housing help, program by program.

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Filling out an application after working through how to choose a loan in Canada

How to Choose a Loan in Canada: Easy 7-Step 2026 Guide

Mikeal Janifa July 25, 2026

How to Choose a Loan in Canada: The 7-Question Framework By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published July 25, 2026

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Couple weighing a payday loan vs installment loan at their kitchen table

Payday Loan vs Installment Loan Canada: Complete 2026 Guide

Mikeal Janifa July 12, 2026

Payday Loan vs Installment Loan in Canada: Which One Actually Fits? By Mikeal Janifa, Personal Finance Writer at The Finance Guys · Published July 12,

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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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