If you currently file your GST/HST return once a year, you might have wondered whether switching to quarterly filing would make things easier. The short answer? It depends on your business habits, cash flow, and bookkeeping practices. Let’s break it down. Understanding the Rules If your business owes more than $3,000 in GST/HST annually, the CRA requires you to make instalment payments throughout the year—even if your filing frequency is annual. That can be tricky. Overspending, slow...

told my youngest daughter the Christmas list had shrunk… not her favorite news! and this reminded me why so many clients hesitate to budget — projects, clients, and the economic climate can all be unpredictable.

Payroll Updates Every Employer Needs to Know: CPP, EI, and Minimum Wage for 2025–2026