VRITTI Blog
Guides on financial anxiety, money shame, couples & money, freelancer finance, and Canadian tax — written for real people, not accountants.
Money fights are rarely about money. Here's what couples are really arguing about — values, safety, control, being seen — and a calm 4-step way to stop.
Spender vs saver isn't a character flaw — it's wiring. Here's where money personalities come from, why opposites clash, and how mixed-personality couples budget without resentment.
An honest 2026 guide to the best self-employed bookkeeping app in Canada — CRA tax set-aside, per-province HST/GST, T2125-ready, mileage, compared fairly.
Your real self-employed tax rate isn't 25-30%. It's your federal bracket + provincial bracket + both halves of CPP. See the 2026 brackets and rates by province.
Self-employed Canadians pay CPP at 11.9% in 2026 — both the employee and employer halves. Here's how much, the $3,500 exemption, $74,600 ceiling, CPP2, and the deductible half.
A plain-language, line-by-line walkthrough of Form T2125 for 2026: business info, income, expenses, home office, vehicle, and net income to line 13500.
A plain-English, CRA-verified guide to self-employed tax deductions in Canada for 2026: home office, vehicle, supplies, software, meals (50%), and the records you need.
Yes, you report every dollar of side hustle income in Canada — there's no minimum. The $30,000 is only the GST/HST registration line. Here's the full picture.
How gig workers in Canada pay tax in 2026: income reporting, mileage and expenses, set-aside, and the GST/HST rule where Uber drivers must register from dollar one.
Sole proprietor vs incorporation in Canada (2026): the real differences in liability, tax deferral and cost, the income signals to watch, and why incorporating isn't automatically better.
A CRA instalment reminder is a calculation, not a bill. The three payment options, the $3,000 trigger, and the case where you owe no instalments at all.
How the CRA measures the $30,000 small-supplier threshold, the two ways to cross it, your effective registration date, and the 29-day window.
June 15 is only a filing deadline. Any balance owing was due April 30, with daily interest from May 1. The real cost, worked out — and what to do now.
A $2,500 instalment paid two months late costs about $29 in interest — and the offset method can cancel most of it. The actual CRA math, worked out.
How to properly track Shopify revenue, fees, refunds, and GST/HST as a Canadian e-commerce seller. Stop recording net payouts as revenue. Fix your books.
For most self-employed Canadians in 2026 the right set-aside is 24–31% of net income — not a flat 25%. The math by income and province, with CRA sources.
Most couples think their money fights are about the numbers. They're not. Here's why you fight about money, what you're actually arguing about, and how to have a conversation that actually works.
Money avoidance isn't laziness—it's a response to financial shame. Here's why you can't look at your bank account and the shame-free framework to finally face your finances.
Wave paywalled bank imports in January 2024. Here's why Canadian freelancers are switching to VRITTI — free statement imports, AI financial coaching, and GST/HST tracking built for Canada.
Fintech apps are built for people who are already organized. If you're struggling with the basics, every app feels like a system designed for someone else. Here's why, and what's different about VRITTI.
Everything a Canadian freelancer or sole proprietor needs to know to file taxes with the CRA — T2125, deadlines, deductions, CPP contributions, and how to avoid the most common (and costly) mistakes.
Divorce, job loss, illness, immigration — sometimes you have to start over financially. Here's how to rebuild without the shame, and actually come out stronger.
Everyone talks about net worth. But financial health is something entirely different. Here's what actually matters when it comes to your financial wellbeing, and why the number in your account isn't it.
Comparing the top bookkeeping and accounting apps available to Canadian freelancers and small businesses — Wave, QuickBooks, FreshBooks, and VRITTI. Which one is actually built for Canada?
Most Canadian freelancers don't know if they're profitable until their accountant tells them — months later. Here's how to read your P&L in real time and what the numbers actually mean. VRITTI gives you these insights in minutes.
A complete, plain-English guide to tracking HST and GST as a self-employed Canadian — what to collect, what to claim, how to file with the CRA, and how apps like VRITTI automate the whole thing.
Your starting point is valid
VRITTI starts with how you feel about money — not how much you have.
Free to start. No judgment. No shame.