Most people aren’t bad with money—they just don’t have a simple system. This beginner-friendly budget template helped one client save an extra $11,000 in a year, without stress, guilt, or extreme cutbacks.

With interest rates dropping after the Bank of Canada’s cut, every percentage point counts. Here are Canada’s top high-interest savings accounts right now (PC Financial, EQ Bank, and Wealthsimple) compared side by side.