Good afternoon, Maya
Here's your full picture as of today.
Nudges for you
Visa is at 89% utilization
Your Cashback Visa is carrying $8,940 against a $10,000 limit. Even a partial HELOC consolidation could cut interest by more than half.
Missing $1,440 in RESP grants
You've only contributed $600 to the RESP this year. Even $50/week captures the full 20% CESG match for both kids.
Mortgage renewal in 9 months
Your 2.39% fixed rate renews next March. At today's rates your payment jumps roughly $640/month — let's plan for it now.
PA
Want a human in the loop?
Priya Anand — Financial Wellness Advisor
Usually replies within a few hours.