{"id":57314,"date":"2023-07-31T19:32:17","date_gmt":"2023-07-31T19:32:17","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/"},"modified":"2023-10-05T13:24:53","modified_gmt":"2023-10-05T17:24:53","slug":"budgeting","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/","title":{"rendered":"Budgeting"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-ce2ebfd8 wp-block-group-is-layout-constrained\">\n<p class=\"h3\">Your financial health is like your physical health. You need a plan, and you need to be committed to following through. Explore how to create a budget to help you save money, and to how to navigate life as it changes. Good financial habits start here.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c44f8a2c-087f-4883-bb4a-59b9bb9c10ca\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mob-mar-b-dbl is-layout-flow wp-block-column-is-layout-flow\">\n<article id=\"post-58159\" class=\"loop-post featured-vertical mob-pad-b-dbl post-58159 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-budgeting rbc_content_type-article rbc_audience-students rbc_lob_group-students rbc_difficulty_level-beginner rbc_mmm_category-goals-aspirations rbc_mmm_category-studying-in-the-us rbc_mmm_category-travel-and-cross-border\">\n\t<div class=\"col-wpr mar-b-0\">\n\t\t\t\t\t<div class=\"col-md-12 mar-b mob-mar-b-dbl\">\n\t\t\t\t<div \n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Graduation hat with diploma and US money\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"680\"\n\t\t\theight=\"453\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-19T161653.522.jpg?quality=80&#038;w=680\"\n\t\t\talt=\"Graduation hat with diploma and US money\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\tstyle=\"object-position: 50% 50%; \"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 mob-mar-t-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\">\n\t\t\t\t\t\t\t<span>Budgeting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/studying-in-the-us\/5-budgeting-tips-for-students-going-to-a-u-s-college\/\" class=\"h3 loop-post-title mar-t-0\">5 Budgeting Tips for Students Going to a U.S. College<\/a>\n\t\t\t\t\t\t\t<p>As you prepare for your school year in the U.S., these tips can help you get your budget in shape.<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbccom-latest-posts\">\n<article id=\"post-58108\" class=\"single-post-card-wrapper post-58108 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-budgeting rbc_content_type-article rbc_lob_group-ways-to-bank rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-money-academy\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\">\n\t\t\t\t\t\t\t<span>Budgeting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t              <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/mastering-money-tips-for-creating-a-budget-that-works-for-you\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">Mastering Money:  Tips For Creating a Budget That Works For You<\/a>\n                    <p class=\"post-description\">Practical strategies to establish and maintain a budget that aligns with your personal financial goals.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-58192\" class=\"single-post-card-wrapper post-58192 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-energy-efficiency rbc_content_type-article rbc_lob_group-mortgage rbc_difficulty_level-beginner rbc_mmm_category-buying-a-home rbc_mmm_category-climate-change rbc_mmm_category-economics-101 rbc_mmm_category-goals-aspirations rbc_mmm_category-home-building-and-renovations rbc_mmm_category-money-academy\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/energy-efficiency\/\">\n\t\t\t\t\t\t\t<span>Energy-efficiency<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t              <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/8-energy-efficient-home-gadgets-for-under-100\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">8 Energy-Efficient Home Gadgets for Under $100<\/a>\n                    <p class=\"post-description\">Low-cost tech that can help to reduce your home energy bills and impact on the environment.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-57668\" class=\"single-post-card-wrapper post-57668 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-pension tag-savings rbc_content_type-article rbc_audience-seniors rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-goals-aspirations rbc_mmm_category-planning-for-retirement rbc_mmm_category-retirement\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t              <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/million-dollar-myth\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">How Much Do You Really Need to Retire Comfortably in Canada? Debunking the Million Dollar Myth<\/a>\n                    <p class=\"post-description\">How much do you need to retire? The million-dollar myth is out. Instead, focus on your individual needs to determine your savings goal.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-539ee059-2172-4489-9c74-7415758909ab\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 overflow-hidden\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-5195c79b-facc-4fa7-bab7-fab93095458a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-b-0 mar-t-0\" id=\"h-tools-calculators-and-courses\">Tools, Calculators and Courses<\/h2>\n\n\n\n<div class=\"wp-block-rbc-carousel-container is-layout-carousel-carousel is-mobile-per-page-1.2 is-desktop-per-page-3 is-style-full-height-shadow-overflow\"><div class=\"carousel-wpr top-controls desktop-top-right desktop-top-right-dots-hidden mobile-controls-hidden\" data-mobile-per-page=\"1.2\" aria-label=\"Carousel Container\" data-visible-slide=\"3\" data-infinite-loop=\"true\"><div class=\"carousel-ctrl\"><div class=\"carousel-indicators\"><\/div><button class=\"carousel-prev slick-arrow\"><\/button><button class=\"carousel-next slick-arrow\"><\/button><\/div><div class=\"col-wpr eh-wpr carousel-inner\">\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-calc.svg\" alt=\"icons\/icon-calc\" \/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c9075b9b-e8e4-4f6d-8fae-d1607cd54111\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-student-budget-calculator\"><a href=\"https:\/\/www.rbcroyalbank.com\/student\/budget-calculator\/\" data-dig-id=\"LP-57314-e7cf9f10\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Student Budget Calculator\" class=\"rbc-link-format\">Student Budget Calculator<\/a><\/h3>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-calc.svg\" alt=\"icons\/icon-calc\" \/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-f13d896a-020d-4553-a59f-e5378e4caf4b\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-monthly-cash-flow-calculator\"><a href=\"https:\/\/www.rbcroyalbank.com\/personal-loans\/cash-flow-calculator.html\" data-dig-id=\"LP-57314-de63c5e2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Monthly Cash Flow Calculator\" class=\"rbc-link-format\">Monthly Cash Flow Calculator<\/a><\/h3>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-pen.svg\" alt=\"icons\/icon-pen\" \/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9206408f-ca13-485e-ba30-00233d44ce03\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-literacy-learning-series\"><a href=\"https:\/\/www.rbc.com\/en\/future-launch\/resource-type\/courses-workshops\/it-all-adds-up-to-making-cents\/\" data-dig-id=\"LP-57314-d15f5c0f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Financial Literacy Learning Series\" class=\"rbc-link-format\">Financial Literacy Learning Series<\/a><\/h3>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-8f859091-4dd4-42fa-96ef-7ed715e2ae68\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-0b1d4288-51e8-467f-b12f-422d2b96462a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0 mar-b-0\" id=\"h-more-from-budgeting\">More From Budgeting<\/h2>\n\n\n\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-97112\" class=\"rbc-latest-posts-content-card-type-2 post-97112 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-budgeting tag-managing-money tag-personal-finance rbc_content_type-article rbc_audience-black rbc_audience-business-owners rbc_audience-indigenous rbc_audience-newcomer rbc_audience-parents rbc_audience-relationships rbc_audience-seniors rbc_audience-students rbc_audience-youth rbc_lob_group-ways-to-bank rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-debt-stress-relief rbc_mmm_category-money-academy rbc_mmm_category-money-in-an-emergency rbc_mmm_category-unexpected-events\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Hand holding black umbrella over white piggy bank symbolizing financial protection\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Hand holding black umbrella over white piggy bank symbolizing financial protection\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\">\n\t\t\t\t\t\t\t<span>Budgeting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/money-in-an-emergency\/emergency-fund-guide\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Your Complete Emergency Fund Guide<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">An emergency fund is money set aside to cover unexpected expenses like job loss, illness or major home repairs. Learn how much to save and how to&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-97112 -->\n\n<article id=\"post-91368\" class=\"rbc-latest-posts-content-card-type-2 post-91368 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-budgeting tag-investing tag-managing-money tag-resp tag-retirement tag-rrsp tag-savings tag-tfsa rbc_content_type-article rbc_lob_group-accounts rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-ideas-and-motivation rbc_mmm_category-inspired-investor rbc_mmm_category-investing-academy rbc_mmm_category-money-academy\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Digital form checklist\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"420\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Digital form checklist\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\">\n\t\t\t\t\t\t\t<span>Budgeting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/2026-financial-roadmap-aligning-your-budget-borrowing-and-investments-to-your-goals\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">This guide will walk you through five key steps on how to assess your financial health and prepare yourself for success in 2026 and beyond.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-91368 -->\n\n<article id=\"post-96482\" class=\"rbc-latest-posts-content-card-type-2 post-96482 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_audience-youth rbc_lob_group-ways-to-bank rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-loans\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Young woman sitting on a couch with a credit card in one hand and a smartphone in the other, reviewing a Buy Now Pay Later payment option for a purchase.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"411\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/shutterstock_2068070435.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Young woman sitting on a couch with a credit card in one hand and a smartphone in the other, reviewing a Buy Now Pay Later payment option for a purchase.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/buy-now-pay-later-your-guide-to-how-it-works-when-to-use-it-and-when-to-skip-it\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Buy Now, Pay Later: Your Guide to How it Works, When to Use It and When to Skip It<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Buy Now, Pay Later (BNPL) is a popular payment option if you\u2019re looking to spread out the cost of your purchases. Learn how it works, the risks and&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-96482 -->\n\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\t\n\t<div class=\"wp-block-tk-spacer id-1b4ebb37-d0cd-4a79-95d3-ef90db6ed8dc\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-2a710f04-afe8-41e8-b851-37bde80d7489\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-a34b73df-aeb8-49a3-94f7-197c2e0b0ed8\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-b-0 mar-t-0\" id=\"h-product-solutions\">Product Solutions<\/h2>\n\n\n\n<div class=\"wp-block-rbc-carousel-container is-layout-carousel-carousel is-mobile-per-page-1.2 is-desktop-per-page-3 default is-style-full-height-shadow-overflow\"><div class=\"carousel-wpr top-controls desktop-top-right desktop-top-right-dots-hidden mobile-controls-hidden\" data-mobile-per-page=\"1.2\" aria-label=\"Carousel Container\" data-visible-slide=\"3\" data-infinite-loop=\"true\"><div class=\"carousel-ctrl\"><div class=\"carousel-indicators\"><\/div><button class=\"carousel-prev slick-arrow\"><\/button><button class=\"carousel-next slick-arrow\"><\/button><\/div><div class=\"col-wpr eh-wpr carousel-inner\">\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-nomi-budgets\">NOMI Budgets<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1ddd3a34-d81a-4bf4-9f34-f582bfbb8964\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/budgets\/\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-mydoh\">Mydoh<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-593ff7c0-1ee2-49bc-9e58-0deb3937b366\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><\/p>\n<\/div>\n<a href=\"https:\/\/www.mydoh.ca\/\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4e417978-16f4-472a-9361-bf9d5e317905\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-aecca9ac-36fd-4314-9773-3f499c2ff5b3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-57634\" class=\"rbc-latest-posts-content-card-type-2 post-57634 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-parenting tag-savings rbc_content_type-article rbc_audience-parents rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-debt-stress-relief rbc_mmm_category-finances-and-relationships rbc_mmm_category-life-events rbc_mmm_category-managing-expenses rbc_mmm_category-money-academy rbc_mmm_category-parenthood rbc_mmm_category-struggling-to-make-ends-meet\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"post card image\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-4-tips-worry-free_402x-1.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"post card image\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/6-money-tips-for-a-worry-free-parental-leave\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">6 Money Tips for a Worry-Free Parental Leave<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Six smart money tips to budget, save and ensure a stress-free parental leave.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-57634 -->\n\n<article id=\"post-57390\" class=\"rbc-latest-posts-content-card-type-2 post-57390 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-education tag-paying-for-school tag-savings rbc_content_type-article rbc_audience-students rbc_lob_group-students rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-goals-aspirations rbc_mmm_category-going-to-college-or-university rbc_mmm_category-money-academy rbc_mmm_category-school-and-career\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"post card image\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"549\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-feature-509-1.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"post card image\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/education\/\">\n\t\t\t\t\t\t\t<span>Education<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/back-to-school-finances-budgeting-for-the-school-year\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">How to Budget as a Student: Back to School Money Tips for the Year Ahead<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Get student budgeting tips to help you feel confident about money for the school year ahead.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-57390 -->\n\n<article id=\"post-57586\" class=\"rbc-latest-posts-content-card-type-2 post-57586 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-education tag-savings rbc_content_type-article rbc_audience-students rbc_audience-youth rbc_lob_group-students rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-goals-aspirations rbc_mmm_category-going-to-college-or-university rbc_mmm_category-money-academy rbc_mmm_category-school-and-career\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"post card image\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-223_402x.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"post card image\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/smart-money-tips-for-living-off-campus\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Smart Money Tips for Living Off Campus<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Living off campus involves a whole new set of money situations. Get tips to help you save, manage and stay on top of your money.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-57586 -->\n\t\t\t\t\t<div class=\"load-more-button text-center mob-pad-t-hlf pad-t\">\n\t\t\t\t\t\t<button class=\"btn tertiary mar-t-0\">View More Articles<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\t\n\t<div class=\"wp-block-tk-spacer id-0a595dc3-72c5-40ef-b80e-3c1a55c4e4c1\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9a7714a3-8e3c-4ec2-a284-edf1aeff40ae\" aria-hidden=\"true\"><\/div>\n\t<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-c44f8a2c-087f-4883-bb4a-59b9bb9c10ca {\n\t\theight: 64px;\n\t}\n\n\t@media ( 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