Author: Oskar Malone

The return-to-office (RTO) movement is accelerating across Canada in 2025, with major corporations like Dell and Questrade rolling out RTO orders that are reshaping the work-life balance for thousands of employees.

Companies such as Amazon, JPMorgan Chase, Dell Technologies and the Canadian federal government are pushing for increased in-office presence, leaving many workers scrambling to adjust to a reality that no longer prioritizes remote work flexibility.

While some employers argue that returning to the office fosters collaboration and innovation, the shift is already creating new headaches for employees, particularly those in urban centres like Toronto and Vancouver.

The Greater Toronto Area (GTA) already struggles with heavy congestion — and these recent RTO mandates will only increase the influx of commuters potentially leading to transit delays, longer travel times and a resurgence of the daily commuter grind.

Is there any silver lining for employees caught in this return-to-work wave?

Big companies leading the RTO charge

Several global corporations with Canadian offices are implementing strict return-to-office policies.

Return to full-week (or almost full week) at the office

• Amazon: As of January 2025, Amazon mandated that all corporate employees return to the office five days a week, effectively ending the hybrid model introduced in 2023. Offices in Toronto and Vancouver
• BlackRock: Employees of the investment firm must work at least four days per week from the office. Offices in Toronto
• Dell Technologies: Dell plans to end its hybrid work policy, mandating that employees near office locations return five days per week, beginning in March 2025. Offices in Toronto
• Disney: One of the faster companies to go back to an in-office work schedule, Disney employees returned to the office four days a week as per the statement made by CEO Bog Iger in 2023. Offices in Toronto
• Goldman Sachs: As of 2023, employees had to be back in the office full-time as corporate leaders emphasizes the office-first work culture. Offices in Toronto
• JPMorgan Chase & Co.: The banking giant has followed suit, requiring its hybrid employees to be in the office full-time starting March 2025. Offices in Toronto
• Twitter (X): Following the acquisition of X (formerly Twitter) by Elon Musk, the firm now requires all employees to work full-time from the office. Offices in Toronto

These changes signal a broader shift among employers, many of whom cite the need for stronger collaboration, improved company culture, and increased productivity as key reasons for pulling employees back into offices.

Hybrid return-to-work model

• Apple: Since September 2022, Apple introduced the 3-day-in-office schedule, where all corporate employees must work in the office on Tuesdays and Thursdays as well as on a team-chosen day. Offices in Toronto
• Canadian Federal Government: Since September 2024, public servants have been required to work at least three days per week in person. Offices in Ottawa and across Canada
• Deloitte: Employees can continue working with the hybrid model that was introduced in 2023. Offices in Toronto
• Google: Google employees must be in the office for at least three days per week (and this return to work started in 2022). Offices in Toronto and Montreal
• Meta (Facebook): The social media conglomerate only requires employees to come in three days per week. Offices in Toronto
• Microsoft: Operates a hybrid work policy, which typically requires employees to come in for two or three days per week. Headquarters in Toronto
• Questrade: Operates a hybrid work policy, which typically requires employees to come in for one to three days per week. Unfortunately, some employees must now commute up to two hours, each way, in order to comply with the company’s RTO mandate. Headquarters in Toronto
• Shopify: No mandate. This e-commerce giant embraced the remote work model and allows employees to work from anywhere. Headquarters in Ottawa
• Starbucks: The company has set a slightly more flexible three-day in-office requirement for corporate employees since January 2025. Offices in Toronto

Tough adjustment for employees

For employees in densely populated cities, the return-to-office mandates are likely to bring back pre-pandemic commuting challenges.

Commuting nightmares return

For instance, commuters in the GTA can expect a significant increase in traffic volume, with experts predicting longer commute times as thousands of professionals return to transit and highways during peak hours. The impact is expected to be felt across major transit networks, including GO Transit and the Toronto Transit Commission (TTC), both of which have been gradually adjusting services in expectation of RTO mandates.

For workers who moved to suburban areas during the work-from-home era, the abrupt shift back to daily commuting is especially daunting. Many will now need to reconfigure their routines, adding hours of travel time to their days and increasing expenses related to transportation and office attire.

Loss of work-life balance

Before the pandemic, work-life balance often felt like an elusive goal. Remote and hybrid work arrangements provided a newfound sense of autonomy, allowing employees to integrate personal responsibilities into their schedules, exercise more frequently and spend more time with family. Surveys indicate that a significant percentage of Canadian workers (79%) believe hybrid work positively impacts their well-being, with 70% stating that it has directly improved their mental health.

With full-time office attendance making a comeback, many workers are concerned about losing the flexibility that has become a crucial factor in job satisfaction. In fact, 81% of Canadian employees say flexible work arrangements influence their decision to stay with an employer or seek opportunities elsewhere.

Is there a silver lining? Claiming deductions for hybrid work

Despite the shift back to in-office work, there are still ways for employees in hybrid arrangements to find financial relief. The Canadian Revenue Agency (CRA) allows workers who perform a portion of their duties from home to claim tax deductions related to home office expenses. While employees mandated to work in-office five days a week may not benefit, those on hybrid schedules can still take advantage of these deductions.

Eligible employees may be able to deduct expenses such as:

• A portion of rent or mortgage interest (for those using dedicated office space)
• Utilities such as electricity and internet
• Office supplies, including computers, chairs, and desks

To qualify, employees must meet specific CRA criteria and obtain a T2200 form from their employer. While the deductions won’t fully offset the loss of remote work perks, they do offer some financial relief in the face of rising commuting costs.

Future of work in Canada

As companies continue to enforce return-to-office policies, the workforce is at a crossroads. While some employees welcome in-office collaboration, others view it as a step backward from the flexibility they have come to value. With the labour market still tight and talent retention a top priority, businesses that maintain hybrid options may find themselves with a competitive edge.

For workers adjusting to this new reality, strategic planning — such as negotiating hybrid arrangements, seeking tax deductions, and reevaluating commuting options — can help mitigate the impact of RTO mandates. While the work-from-home era may be fading for many, its influence on employee expectations will likely shape workplace policies for years to come.

Sources

1. Benefits Canada: 79% of Canadian employees report improved well-being due to flexibility of hybrid work: survey (Jan 22, 2025)

2. HRD: Most Canadian workers think 5 days in-office hurts wellbeing: survey (Jan 14, 2025)

3. Talent Canada: No longer a ‘perk’ – Canadians now expect flexible, hybrid work: Survey (Feb 16, 2023)

This article Watch out GTA commuters: Dell and Questrade join the list of companies with back-to-office mandates in 2025originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Three quarters of Canadians (76%) are worried they will not have enough money in retirement because of rising inflation. This is according to BMO’s 15th annual retirement survey, which also found 63% of Canadians believe rising prices over the past 12 months have limited their ability to save for retirement.

"Many Canadians continue to show resilience, making saving and investing in their retirement a top priority," Brent Joyce, BMO Private Investment Counsel’s chief investment strategist and managing director, said in a statement.

"For Canadian investors, one of the best ways to make financial progress and stop rising prices from eroding retirement savings over the long term is to have a portfolio designed to mitigate inflationary pressures, while also taking other factors like investment time horizon and risk tolerance into account. Investors may also want to consider speaking with an investment advisor when looking for ways to help reduce the impact of inflation on their portfolio."

On average, Canadians surveyed believe they will need just over $1.54 million to retire, down from $1.67 million in 2023.

Inflation’s impact on financial planning

Among the 63% of Canadians who say rising prices are limiting their ability to save for retirement, the top four ways they are adjusting their financial planning are:

• Cutting other spending to maintain current retirement savings levels
• Putting less into retirement savings
• Planning on working longer
• Putting off retirement savings completely

"Inflation is a major concern for Canadians, and the spike in prices as the economy emerged from the pandemic is a stark reminder rising prices can affect spending, investment and savings plans," Robert Kavcic, BMO senior economist, said in a statement.

"Inflation should always be a major consideration when saving and investing for retirement and if investors have concerns about how rising prices may impact their retirement savings, it may help to seek guidance from a financial professional."

Retirement woes

Canadians are contributing more than ever to their Registered Retirement Savings Plans (RRSP). This year, average RRSP contributions are on track to reach $7,447 — which marks a 14% increase over last year from $6,512 and above the pandemic high-water mark set in 2021 of $6,822.

For those hoping to save for retirement amid inflationary concerns, BMO recommends planning early, practicing discipline, contributing securities to an RRSP and seeking professional financial advice.

Survey methodology

The survey of 1,500 adult Canadians aged 18 and older was conducted online by Pollara from November 8 to 18, 2024.

This article Over three quarters of Canadians concerned about retirement thanks to inflationoriginally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Canadians may be increasingly open to substituting American products with domestic alternatives, according to a recent Léger poll, their loyalty to US-based streaming services, such as Netflix, remains strong.

Whether it’s a perceived lack of alternatives, or loyalty and comfort with existing streaming platforms, Canadians aren’t rushing to tell their neighbours to the south to take their Disney+ away.

Canadians’ willingness to embrace homegrown

The Leger survey suggests a significant portion (81%) of Canadians are prepared to replace American goods with Canadian-made products, especially in categories like alcohol. Their reasoning is based on various factors, including national pride, support for local businesses and reactions to the burgeoning risk of a trade war.

But, whereas many are willing to trade in their Jim Beam for Crown Royal, it appears Canadians might need a bit more convincing when it comes to categories they feel are lacking up here in the North.

Streaming services: A different story

Despite the readiness to switch in other sectors, Canadians have a real attachment to US-based streaming platforms. Of those polled, only 28% of respondents said they were planning to cancel their US-based streaming platforms.

That’s because services such as Netflix have become deeply ingrained in daily entertainment routines, making users hesitant to consider or transition to alternative providers.

It’s not just the brand name that keeps users subscribed to these platforms. Subscribers to apps like Netflix get access to extensive content libraries, user-friendly interfaces and are quite often legacy subscribers who have had these services for long enough that they are simply a part of their lives.

That said, Canada has hardly dropped the ball when it comes to offering streaming alternatives that are as Canadian as maple syrup.

Canadian-owned streaming alternatives

If you’re considering Canadian alternatives to the streaming platforms you already know and love, there are several Canadian-owned streaming services that offer diverse and rich content:

• Crave: Owned by Bell Media, Crave provides a vast library of content, including HBO, Showtime and original Canadian programming. It’s a comprehensive platform for both international hits and local productions.
• CBC Gem: Operated by the Canadian Broadcasting Corporation, CBC Gem offers a wide range of Canadian content, from news to entertainment, including exclusive series and documentaries. It’s an excellent platform for those seeking Canadian narratives.
• StackTV: A streaming package by Corus Entertainment, StackTV provides access to 16 top-tier television networks live or on-demand, including Global, W Network and HGTV Canada. It’s available through Amazon Prime Video Channels and other providers.
• OUTtv: As one of the earliest LGBTQ+ oriented streaming services, OUTtv offers a wide range of programming, from original series and movies to licensed content from other networks. Notable titles include "Canada’s Drag Race" and "Call Me Mother."
• Kidoodle.TV: A safe streaming platform for children, Kidoodle.TV provides a variety of kid-friendly content and is committed to safety and parental controls. It’s a great option for families seeking child-focused entertainment.

While the allure of established US streaming services is strong, these Canadian-owned platforms offer compelling alternatives that cater to diverse tastes and support local content creators. Exploring these services can provide fresh perspectives and contribute to the growth of Canada’s digital media landscape.

Survey methodology

The Léger was conducted online between February 7 and 10, 2025, polling 1,590 Canadians.

This article Canadians open to buying local — But not when it comes to streaming services originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Trump’s tariff trade wars are all over the news, and you’re determined to shop Canadian. Well, you’ll be happy to hear that your furry family members can do their part. We’ve put together a comprehensive list of Canadian pet food brands that make it easier to make the switch.

To be considered for this list, pet foods must not only be made in Canada, but also be Canadian owned. That means brands such as Acana and Royal Canin didn’t make our list — that’s because even though this food is made in Canada, the brands are owned by a US parent company (in this case, Mars).

You can buy any of these pet foods directly from the manufacturers’ websites, but if you prefer brick and mortar stores, you can try shopping at Pet Valu. This pet store giant is Canadian-owned and operated. As well, most of the local boutique pet stores in your neighbourhood are also Canadian-owned and operated.

Dry pet food:

• Canadian Naturals
• FirstMate
• Carna4
• Nutram
• Petcurean Gather, Go! Solutions and Now Fresh
• vetdiet
• Horizon Pet Nutrition
• Oven-Baked Tradition
• Nutrience
• Harlow Blend
• Zoe
• 1st Choice Nutrition
• Pronature
• Lily & Jax

Wet pet food:

• Petcurean
• Canada Fresh
• Vetdiet
• FirstMate
• Kasiks
• Nutram
• PetKind
• Oven-Baked Tradition
• Nutrience
• Harlow Blend
• Zoe

Dehydrated/Freeze-dried pet food:

• Smack
• Zeal Canada
• Hurraw
• Grand Cru
• Puppy Love

Frozen raw pet food:

• Bold by Nature
• Big Country Raw
• CarivoraBack2Raw
• Iron Will Raw
• Legacy Pet Foods
• Healthy Paws
• K9 Choice Foods
• Pets Go Raw

Did I miss any? If you’ve got one that I’ve missed, please let me know by dropping a comment down below, and I’ll add it to the list.

This article Our comprehensive guide to Canadian-owned and -made pet foods originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A federal tax break meant to help Canadians with rising costs and boost consumer spending had little impact on small businesses, according to the Canadian Federation of Independent Business (CFIB). The GST/HST holiday, which ran from December 14, 2024, to February 15, 2025, removed sales tax from select essentials such as children’s clothing and baby products.

However, only 5% of small businesses saw a sales boost, while many struggled with administrative hurdles and confusion over eligibility. Though the measure provided short-term relief for consumers, its overall effectiveness in stimulating the economy appears to have been limited.

Limited impact on sales

While there was a bit of a boost with the implementation of the GST break, according to CFIB’s data, a mere 4% of retail businesses and 15% of those in the hospitality sector reported sales growth during the tax holiday. The majority (66%), indicated that their sales remained consistent with the same period in the previous year.

Administrative burdens and confusion

Many small businesses faced significant challenges implementing the tax exemption. Tasks such as reprogramming point-of-sale systems, managing increased administrative workloads, training staff and addressing customer inquiries added to their burdens.

"For many retailers, it was an administrative nightmare to get point-of-sale machines compliant just before Christmas, let alone sort out which LEGO sets the holiday applied to, or how many items in a gift basket had to be tax-free for it to qualify," Dan Kelly, CFIB president, said in a press release.

Cole Thorpe, owner of Saskatoon clothing store Prairie Proud, told CTV News the GST ‘holiday’ caused more frustration for his customers than relief. “If anything, it just led to more confusing conversations with our customers in-store who thought it applied to everything,” Thorpe said.

Further complicating matters, the Canada Revenue Agency (CRA) and Finance Canada provided conflicting information regarding the mandatory nature of participation in the GST/HST holiday. This inconsistency led to confusion among business owners. In response, CFIB nominated the GST holiday for its Paperweight Award, highlighting it as one of the country’s worst examples of red tape during its 16th annual Red Tape Awareness Week.

Call for leniency and support

As businesses transition back to standard GST practices, CFIB urges the CRA to show leniency. They recommend waiving taxes owed, penalties and interest for errors made in good faith during the rushed implementation. Additionally, CFIB suggests that the government provide affected businesses with a $1,000 credit in their GST/HST accounts to offset the programming and administrative costs incurred. Kelly acknolwedged that the GST holiday put extra pressure on small businesses in particular.

"The past few months have been incredibly challenging and filled with uncertainty for many small firms," Kelly said.

Survey methodology

The findings are based on CFIB’s "Your Voice – January 2024" online survey, conducted from January 9 to 31, with 2,345 respondents.

Sources

1. CTV News: Did the two-month GST holiday make a difference for Canadian businesses? (Feb 14, 2025)

This article GST/HST holiday yields minimal sales boost for small businesses originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

In a significant policy shift, the British Columbia government has announced the cancellation of its proposed $1,000 grocery rebate. This decision comes in response to the looming threat of substantial US tariffs on Canadian goods, a move that has prompted the province to reassess its fiscal strategies.

Origin of the grocery rebate

The grocery rebate was a central promise during the BC NDP’s recent election campaign. Designed to alleviate the rising cost of living, the initiative aimed to provide up to $1,000 to households across the province. The program was projected to cost approximately $1.8 billion, with plans to transition into a tax cut in 2026, resulting in an anticipated $1.3 billion annual reduction in government revenue.

But then, things changed. The proposed 25% tariff on Canadian goods by President Donald Trump has caused economic uncertainty that has the whole country on its heels and the provinces are responding. Finance Minister Brenda Bailey described these tariffs as "reckless" and "destabilizing," emphasizing the unpredictable economic challenges they pose. The provincial government in BC has expressed concerns about the potential negative impact on British Columbia’s economy and is adjusting its fiscal plans accordingly.

What the cancellation of the rebate means for British Columbia

The cancellation of the rebate means that many British Columbians will not receive the anticipated financial assistance to offset escalating grocery costs. This development could strain household budgets, especially for low- to middle-income families who were counting on this support. The absence of the rebate may lead to increased financial pressure as residents continue to grapple with high living expenses.

Politically, the decision to cancel a flagship election promise could erode public trust in the BC NDP. Opposition parties have been quick to criticize the move, suggesting that the government never intended to fulfill the rebate promise. BC Conservative Leader John Rustad accused Premier David Eby of "slow rolling this rebate since Day 1," implying deliberate procrastination.

Such critiques may influence public perception and could have repercussions in future elections.

Strategies to mitigate rising grocery costs

In light of the rebate’s cancellation, there are other ways residents can adjust their spending to make up the difference of the lost funds by reducing their grocery expenses:

• Embrace meal planning: By planning meals ahead of time, individuals can create precise shopping lists, minimizing impulse purchases and food waste.
• Use coupons and loyalty programs: Taking advantage of store coupons, discount apps, and loyalty programs can lead to significant savings over time.
• Buy in bulk: Purchasing non-perishable items in larger quantities often reduces the cost per unit. Sharing bulk purchases with friends or family can also be economical.
• Opt for generic brands: Store or generic brands typically offer similar quality to name brands but at a lower price point.
• Shop seasonally and locally: Buying fruits and vegetables that are in season and sourced locally can be more affordable and supports local farmers.

This article BC government scraps $1,000 grocery rebate, citing US tariff threats — What it means for residents originally appeared on Money.ca*

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Over 70% of Ontarians are concerned about the potential economic impact of proposed US tariffs on the province, a recent Nanos survey reveals. These tariffs, introduced by President Donald Trump, aim to impose a 25% levy on Canadian imports, excluding oil, which faces a 10% surcharge. In response, Canada plans to implement retaliatory tariffs on $155 billion worth of US goods.

The full impact of these tariffs and a potential trade war is uncertain but for many, the risks of what it all could mean is causing significant concern for what it could mean for our households, our province and the Canadian encomy as a whole.

Ontario residents on the same, concerned page

The Nanos study revealed, among other things, that people who live in Ontario largely agree that there is reason to be concerned with what is going on south of the border, and are not taking the threats and actions of the president lightly. A significant majority of Ontarians reported being apprehensive about the potential negative effects of proposed US tariffs on the province’s economy. Key findings of the study show:

• High level of concern: Approximately 76% of respondents expressed concern, while an additional 15% were somewhat concerned about the possible adverse impacts of US tariffs on Ontario’s economic health.
• Regional consistency: This apprehension is consistent across various regions within Ontario, including Golden West, Southwest/Central, North and East, Toronto and the Greater Toronto Area (GTA).
• Demographic insights: Concern spans across different age groups and genders, with both men and women, as well as individuals aged 18 to 34, 35 to 54 and 55 and older, expressing similar levels of unease regarding the tariffs’ potential impact.

Ontarians do have reason to be concerned. But, they are not alone.

Provinces most affected by proposed tariffs

The proposed US tariffs are expected to have varying impacts across Canadian provinces, depending on their economic structures and export dependencies.

• Ontario: As Canada’s manufacturing hub, Ontario is particularly vulnerable due to its significant exports of motor vehicles and parts to the US. Cities like Windsor, heavily reliant on the automotive industry, are anticipated to feel the brunt of these tariffs.
• Quebec: With a substantial aerospace sector, Quebec could face challenges if tariffs target this industry. The province’s aluminum production is also at risk, given its export relationship with the US.
• Alberta and Saskatchewan: These provinces, being major energy exporters, may be affected if energy products become subject to increased tariffs.
• New Brunswick and Newfoundland and Labrador: Both provinces have economies that could be impacted due to their export activities, particularly in energy and other sectors.

Strategies to mitigate personal impact

It would be wrong to suggest that there is anything anyone can do to totally insulate themselves from the impact of high tariffs, but there are things we can do to lessen the potential effects:

• Support local businesses: Prioritize purchasing goods and services from Canadian companies to bolster the domestic economy.
• Diversify investments: Review and adjust investment portfolios to minimize exposure to sectors most affected by tariffs.
• Stay informed: Keep abreast of trade developments to make informed financial and purchasing decisions.
• Advocate for policy engagement: Encourage local representatives to engage in dialogues aimed at mitigating the adverse effects of tariffs on the community.

Survey methodology

The survey was conducted between February 8 and 10, 2025, involving 920 Ontarians.

This article Ontarians concerned over US tariffs’ impact on provincial economy originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Toronto’s popularity with international and domestic travellers continues to grow for good reason. Home to world-class museums, culinary delights, engaging festivals, family-friendly outings and iconic attractions, the friendly and safe city offers endless opportunities for exploration.

Best of all, while it may have an (often well-earned) reputation as being a pricey metropolis, it does have budget friendly accommodation options for those prioritizing safe, clean and well-located hotels over opulent properties with over-the-top amenities. Read on to discover some of the top cheap Toronto hotels.

Methodology

To select the best cheap hotels in Toronto we focused on price range, which we ascertained by selecting a variety of dates throughout the year, focusing on dates in low season (February) and high season (July). Note that this is why the price range we specify can vary significantly. Prices are always higher in high season, and what would not be considered a bargain in low season (such as $400 a night) is in fact a good deal during high season. For this reason, it’s always important to consider visiting Toronto during the off season if you’re looking for the absolute best prices for accommodation. Furthermore, the price you’re quoted for a room can also depend heavily on how far ahead you book.

But price was not our only consideration of course. We also prioritized safety and location, picking only cheap Toronto hotels that are well situated and that are a close walk or quick subway ride to popular attractions. We also considered room comfort and amenities when making our final choices of the best affordable hotels.

Novotel Toronto Centre

• Price range (varies by season): $150 to $400
• Location: St Lawrence Neighbourhood (near famous St. Lawrence market, it’s considered one of the best food markets in Canada)
• Main amenities: Good location, on-site restaurant, fitness centre and indoor pool

In the heart of Old Toronto and close to beloved St. Lawrence Market and the CN Tower,  this four-star hotel is just a 10-minute walk from Union Station. Recently renovated, the property offers a variety of room types that will suit a solo traveler or those with big families in tow. Guests can take advantage of a renovated fitness center, an indoor pool and hot tub, and dine at in-house restaurant, Café Nicole Bistro + Bar. The hotel is also pet friendly (for a fee).

Gladstone House

• Price range (varies by season): $150 to $400
• Location: Queen West neighbourhood, known for its funky vibe, hipster hang-outs and good mix of big brands and locally-owned boutique shops
• Main amenities: Popular location, trendy vibe, art displays, fitness centre and restaurant

This historic three-star boutique hotel may be small in size but it’s certainly big in personality. The property prides itself on promoting local and Canadian artists with permanent and temporary art installations, as well as one-of-a-kind art works in every suite. Exposed brick walls, hardwood floors and clean lines create an appealing aesthetic. This is a good spot for those who like to shop and who want to tap into Toronto’s creative spirit.

Sonder at The Beverley

• Price range (varies by season): $160 to $300
• Location: Bustling Queen West neighbourhood
• Main amenities: Clean stylish rooms and a prime location in one of the city’s most popular neighbourhoods

This stylish boutique hotel is at the heart of hip Queen Street West and is also within walking distance from the Art Gallery of Ontario and Nathan Phillips Square. Small, chic rooms are cozy and clean and the staff are friendly. There is presently no on-site restaurant but the seasonally opened rooftop terrace offers nice views. Note that some basic rooms don’t have windows and pets aren’t permitted.

Chelsea Hotel

• Price range (varies by season): $149 to $350
• Location: Downtown Toronto
• Main amenities: Central location, adult-only and family pool (as well as activity centre for kids and teens) outdoor deck with amazing city views

While rooms can feel a little dated (though executive rooms have been recently updated), the location in the heart of Toronto is hard to beat. A great pick for families, the hotel has a family pool that comes complete with a waterslide, as well as a kids’ centre and even a teen lounge. There’s also several on-site eateries, a deck on the 27th floor with stunning views, a fitness centre, male and female saunas and an adult pool.

Holiday Inn Toronto Downtown Centre

• Price range (varies by season): $140 to $360
• Location: Downtown Toronto with easy subway access to numerous attractions
• Main amenities: Right next to College Subway Station, all-day restaurant, fitness centre and indoor pool

Centrally located in downtown Toronto, this basic but renovated and comfortable three-star hotel is less than a 10-minute walk to shopaholic-haven the Eaton Centre. The family-friendly hotel lets children aged 11 and under eat for free as long as they order from the kids’ menu, and up to two kids 18 and under can stay for free.

Holiday Inn Express Toronto Downtown

• Price range (varies by season): $150 to $360
• Location: Downtown Toronto
• Main amenities: Free breakfast buffet, fitness center, business centre and location near a subway stop

Not to be confused with the Holiday Inn Toronto Downtown Centre above, this property is a Holiday Inn “Express,” which means that it tends to have fewer amenities (like no on-site all-day restaurant) and is intended primarily for business travellers. That being said, this no-frills accommodation offers a free hot and cold breakfast buffet and is located just a 10-minute walk from the King subway station.

Kimpton Saint George Hotel

• Price range (varies by season): $200 to $500
• Location: Yorkville
• Main amenities: Charming boutique property, extras like free bikes, on-site restaurant and free social hour with wine

This four-star property is at the upper end of the price range for a Toronto cheap hotel but you get a lot for your money. On top of the stylishly decorated rooms, guests can enjoy the Fortunate Fox gastropub, a modern fitness centre, 24-hour room service, free loaner bikes and kids’ scooters and a nightly hosted social hour. The location in Toronto’s upscale Yorkville district offers easy access to high-end stores and some of the city’s most acclaimed restaurants.

Hotel Victoria

• Price range (varies by season): $140 to $300
• Location: Downtown near Toronto’s Financial District
• Main amenities: Restaurant, historic atmosphere and pet friendly

Dating back to the early 1900s, this atmospheric hotel is just a short walk to the Hockey Hall of Fame, St. Lawrence Market and transportation hub Union Station. Rooms feature pillow-top mattresses, coffee makers, large TVs, and pets can stay for a fee. Mossop’s Social House serves breakfast, lunch and dinner and even features live entertainment every Wednesday.

Cambridge Suites Toronto

• Price range (varies by season): $160 to $400
• Location: Downtown/Financial District
• Main amenities: Rooftop fitness centre and large rooms with fridges and microwaves

This all-suite, four-star hotel in downtown Toronto is five minutes from the Toronto Eaton Centre mall and is also connected to Toronto’s underground PATH. The spacious suites all have microwaves, minifridges, a wet bar and coffeemakers, as well as separate sitting areas. There’s a restaurant and a rooftop fitness centre with excellent city views. There’s no on-site restaurant presently but free coffee and muffins are available in the mornings.

The Annex

• Price range (varies by season): $160 to $360
• Location: Trendy neighbourhood The Annex
• Main amenities: Laid-back vibe, two restaurants and bar, pet friendly (for a fee)

Feel like a local at this funky and youthful three-star hotel that successfully reflects its hip neighbourhood’s vibe. Inviting rooms showcase a minimalist design (though they do come with record players). More for experienced travelers that don’t need hand holding, check-in is done digitally and the main form of communication with staff is via text. The hotel boasts two on-site eateries and a bar.

FAQs:

Which cheap hotels in Toronto are good for families?

Cheap hotels in Toronto don’t tend to offer comprehensive kids programs or activity centers like you’ll often find in expensive five-star hotels, however, the Chelsea Hotel features a Family Fun Zone that comes complete with an indoor family pool (with 130-foot corkscrew slide), as well as a Kid Centre with children-centric activities and a Club 33 Teen Lounge with video and arcade games. Some properties, such as the Holiday Inn Toronto Downtown Centre, let kids eat and stay for free.

Which cheap hotels in Toronto offer great breakfasts?

Breakfast offerings can vary widely by hotel and their appeal will depend on individual taste and needs. For example, if you’re traveling with a family, the big breakfast buffet at Novotel Toronto Centre may be ideal, whereas the Gladstone is said to have a delicious weekend brunch, as well as interesting daily morning offerings such as shakshuka and a harissa and manchego omelet.

Which cheap hotels in Toronto are good for couples?

The intimate, warm atmosphere of a stylish boutique hotel such as the Gladstone House or Kimpton Saint George hotel can help create a romantic mood. Some properties, such as the Hotel Victoria, even offer special add-on romance packages (that include things like a bottle of bubbly and chocolates) to sweeten a stay.

What cheap hotels in Toronto have nice views?

If views are what you’re looking for, many of the large downtown hotels, such as the Novotel (which has city, as well as harbour views) and Chelsea Hotel (with its deck on the 27th floor) will offer breathtaking vistas of the Toronto skyline. To ensure you have a room with a view, it’s always a good idea to make a specific request when you book.

This article Top 10 cheap hotels in Toronto originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

The threat of tariffs being placed on Canadian goods heading to the US has plagued Canadians. There’s ongoing insecurity and concern over what it will mean for our economy and what power and control we have as citizens over any of it.

Though we are a country known for our congeniality and apologetic nature, an increasing number of Canadians are saying sorry, not sorry when it comes to refusing to buy products from our neighbours to the south. Instead, we are keeping our purchasing power here at home — and app developers are here to help.

What is the status of the Trump tariffs?

It’s entirely possible that by the time this is published, the status of the tariffs will have changed multiple times. The tariff situation is, for lack of a better word, fluid.

That said, as of mid-February 2025, the US promised to implement a 25% tariff on steel and aluminum imports — starting March 4, 2025. Donald Trump also promised to introduce a 25% tariff on all Canadian goods exported to the US with an exception of energy products, which are subject to a 10% tariff.

In response, Canada has threatened to impose 25% tariffs on $30 billion worth of goods from the US, including beer, wine, bourbon, household appliances and a variety of food and drink.

Initially the US tariffs on Canadian goods were set to start on Feb 4, 2025, but a last-minute delay pushed the start date to March 4, 2025.

Government actions aside, our strong and mighty population of citizens is hoping to do our part, with an increasing number of Canadians cancelling vacations planned to the US and a growing movement to only buy products made in Canada.

It can be tedious and confusing to look at every label at the store to know its origins. Thankfully, app developers are stepping up to the plate to help make it easier.

Oh S’Canada: iPhone and Android offer apps to help you buy Canadian made products

If you’re a Canadian who wants to do your part to buy Canadian products, whether you have an iPhone or an Android, there is an app for that.

Apple iPhone buy Canadian app

If you own an Apple iPhone, you can download the free O SCANada application from the App Store. The app allows you to search a brand, or scan a bar code and learn more about where the product is from. The app will also make suggestions of products and brands that are Canadian.

The O SCANada app is powered by AI, and comes with a caveat. It’s only as good as the most recent information available on the product and could be outdated. It is recommended that you use the app as a starting point, but if you want to be really sure, do your own research to make sure you’re buying Canadian.

So, it’s not perfect, but user reviews seem mostly pleased with it right out of the gate, and it’s a great tool for giving you ideas. And, like all AI tools, the more it gets used, the more it will learn and the better the information it will provide is.

“As people are using the app, they might find products that aren’t being suggested to them,” app developer Ryan Checora told Global News.

“We want to give them a platform where they can give us those products and we can integrate that into the app and have that fed back to people as well. We’re hoping it will kind of be a collaborative thing where people will use the app and it will improve as it goes on as we add more options for people.”

While the app is currently only available on iPhone, Checora told Global News it will be available for Android soon.

Android buy Canadian app

For Android users who want to buy Canadian made products, you can find the Shop Canadian app in Google Play.

This free application for Android allows you to scan barcodes to see where a product is made to be able to prioritize buying Canadian made products.

The reviews for this app aren’t great, with some users complaining that it’s inconsistent and clearly in its infancy. But so is the impact of the potential Trump tariffs. So, it goes without saying that the longer Canadian goods are hit with heavy tariffs south of the border, the more apps like this will get used, and the more they will improve to feed the growing consumer appetite to buy Canadian.

Sources

1. Reuters: Canadians cancel trips, ban American booze after Trump’s tariffs (Feb 3, 2025)

2. Apple: O SCANada

3. Global News: Alberta family designs app to help Canadians buy Canadian (Feb 9, 2025)

4. Google Play: Shop Canadian

This article Buy Canadian: There’s an app for that

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A new TD survey found 52% of Gen Z Canadians want their partner to sign a prenup if they get married or enter a common-law relationship. This is much higher than the national average of 31%.

"We know that finances can be a big stressor in relationships and are clearly on the minds of many Canadians, especially Gen Z," Nicole Ewing, TD Wealth’s principal, wealth planning office, said in a statement.

"Working together with your partner to tackle money conversations head on could help bring you both understanding and clarity in your relationship and respective financial futures."

One in four Gen Z respondents to the survey, that polled Canadians aged 18 and up, also admitted they likely wouldn’t date someone who earns less than them.

The finances of a relationship

Gen Z respondents showed the strongest feelings around finances in relationships, with 65% saying their partner’s net worth is important to them when starting a relationship, compared to the national average of 57%.

That being said, all Canadians surveyed expressed strong concerns about finances in their relationships, specifically:

• 71% would consider breaking up with a partner if they discovered they were being dishonest about their finances
• 65% would consider a breakup if their partner never offered to pay for anything
• 56% may break up over a partner’s bad spending habits

Having the money talk

Despite seven in 10 Canadians surveyed agreeing that financial transparency and responsibility were important factors in a relationship, 41% of couples say they only had the "money talk" with their partner after they had moved in together, or around when they got married or became common-law.

For nearly a quarter (23%) of Canadian couples, the money talk didn’t happen until after moving in together.

That delayed money talk appears to be impacting budgeting habits, with almost half (48%) of Canadians admitting they don’t set a monthly budget with their partner. In fact, of couples that do, 46% say their partner only sticks to that budget some of the time or not at all.

"With 43% of Canadians citing a partner’s debt load as an important factor in a relationship, it underscores that a key component of financial health as a couple is making sure you agree on your financial goals so it’s wise to have that conversation early to ensure you’re both on the same page," said Ewing.

Survey methodology

This Maru Public Opinion survey conducted on behalf of TD Bank Group consisted of surveying 1,534 randomly selected Canadian adults who are Maru Voice Canada online panelists on January 21. The results of this study have been weighted by education, age, gender and region (and in Quebec, language) to match the population, according to Census data.

This article Half of Gen Z Canadians want a prenup originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.