Mara Osei
CFP Candidate
Mara is a personal finance writer and CFP candidate based in Toronto. With over 6 years of experience covering Canadian tax-advantaged accounts, retirement planning, and investment strategies, she helps everyday Canadians navigate complex financial decisions. Her work focuses on making professional-grade financial planning accessible to everyone — not just those who can afford an advisor.
Articles by Mara Osei
Chidi's allowance used to vanish the day he got it. When his parents tied it to chores, gave it a payday, and set him a real goal, the whole pattern changed.
October 11, 2026
The Nguyens did not want to lecture their eight-year-old about money. Six short weeks of lessons later, she was the one explaining why she wanted to save.
October 8, 2026
When Renee first saw her financial health score of 58, it stung. But it also gave her something she'd never had — a single, honest read on where she stood, and a way to watch it improve.
September 10, 2026
Comparing yourself to a national average can be motivating or discouraging — and often misleading. Here is an honest, clearly-illustrative look at net worth by age in Canada, plus the levers that actually move your number.
September 6, 2026
Daniel hated the idea of his net worth chart starting at a single lonely dot today. So he dug out old statements and rebuilt five years of history in one afternoon — and what he saw changed how he felt about his progress.
September 3, 2026
Maya used to avoid looking at her finances entirely. Twelve months of simple monthly tracking turned a fuzzy feeling of being behind into a clear, rising line she could finally trust.
August 30, 2026
Six months into the year, Renee gave her finances a quick mid-year review. A handful of small course-corrections were all it took to feel back on track for 2026.
July 1, 2026
TrackMoola can do a lot — but you don't need to use all of it on day one. Here's a calm, friendly tour of where to start and how to find your way around.
June 15, 2026
Models for couples are finally here. Learn why TrackMoola Pro is the only financial app that understands shared expenses, individual accounts, and joint goals.
February 27, 2026
A real story of maximizing RDSP government grants. Learn how the Canada Disability Savings Grant and Bond can multiply your savings by 350%.
February 27, 2026
Sofia and James were contributing $100/month to their daughter's RESP. The calculator showed they were leaving $300/year in free government money on the table.
February 22, 2026
Priya had $200 in her savings account and a nagging fear of 'what if.' Here's how she turned that anxiety into a $12,000 safety net in under a year.
February 13, 2026
With the March 2, 2026 RRSP deadline approaching, many Canadians wonder: should I borrow to maximize my contribution? Learn when RRSP loans work—and when they don't.
February 7, 2026
I had $10,000 to invest but didn't know whether to put it in my RRSP, TFSA, or a non-registered account. Here's how the Account Type Comparison calculator gave me a clear answer—and the exact numbers behind it.
January 25, 2026
I was about to contribute $7,000 to my TFSA in 2026 when I decided to double-check my room. Here's how the TFSA Room Calculator showed I had already used part of my limit—and saved me from a costly mistake.
January 20, 2026
With the RRSP deadline approaching, I wasn't sure how much room I had or what my refund might be if I contributed $10,000. The RRSP Room Calculator gave me both numbers in seconds.
January 14, 2026
I opened an FHSA in 2024 but hadn't contributed the full $8,000 each year. When I got serious about buying in 2026, I used the FHSA Room Calculator to see how much I could still contribute and what my remaining lifetime room was.
January 8, 2026
Looking to transfer your TFSA? Here are the best brokerage promotions specifically for Tax-Free Savings Accounts.
December 15, 2025