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Here are 31 things you should do, in no particular order:Get your OHIP (Ontario Health Insurance Plan) sorted out. Or the health plan of which ever province you are moving to. Note that it takes at least 3 months to get it so you may consider getting private insurance while you wait.Get your driving license. Hire a private driving instructor to train you, even if you have decades of experience. Road rules are different here (sometimes weird)Research the best schools in your city and enroll your kids. Fraser Institute is trusted with their annual school rankings report.Get a Presto card for commuting while you get your license sorted out. You can use it on local transit and GO trains and buses. Tap on and off you go.Understand how price matching at groceries works and start doing it. You will experience very quickly that customer service in Canada rocks! And it’s a shame to see how some people abuse it.Get a membership at COSTCO. Big savings on bulk grocery shopping. Helpful for big and small families. Just make sure you have cleared out some space for those massive jars and containers.Open up a bank account. RBC have a great newcomers deal where they patiently explain the whole process and new banking terminology to you (“Fixed Deposits” are called “Guaranteed Investment Certificates” for example). TD bank have a great app called My Spend which automatically tracks and categorizes your spending. Handy for the thrifty.When you get a credit card USE IT. Don’t use your debit card unless you have to. When you pay off your credit card on time it improves your credit score which will be important for you later when buying/renting homes and cars.If you have kids, apply for Child tax benefits to get generous income from the government to support your kids (O Canada!)Got big savings from your home country? Plan to save to a Registered Retirement Savings Plan (RRSP). You get a great tax return when you do this. But be careful as there is a limit as to how much you can put in here. When your limit is reached out the rest in a Tax Free Savings Account (TFSA). There is a retroactive limit on this as well from the year you landed. Careful you don’t crossover the limit on both RESPs or TFSAs else you will get a letter from the CRA that you owe extra taxes on it. Talk to your bank to be sure of your limits. The interest you generate from these savings is tax free so it’s definitely worth looking into.Want to save for your kids university education? Look into opening Registered Educations Savings Plan (RESP) to also get government grants to your child’s education.Staying at an AirBNB? Find a realtor to get you the best deals on a house to rent (for now). It doesn’t cost you anything. They will get their commission from the landlord.Too busy unpacking to cook? Register with Uber Eats or Skip The Dishes app to order in. It will help you scan restaurants in your area that suit your palette.Planning a direct flight back to your home country on Air Canada? Don’t forget to sign up for the Aeroplan rewards program to rack up those miles.Choose a car and find three dealerships that sell it. Bargain for the best deal. Don’t be fooled by “No interest loans”. There is no such thing as no interest. They build the interest into the price.Once you have a car, make sure you get road side assistance. CAA is popular, although my credit card also gets me access to my banks outsourced road side assistance service.Research on the best deals for your car insurance. Insurance depends on risk factors tied to your age but also where you stay. Brampton has the highest car insurance rates. Being a new driver in Canada will also pinch your pocket. TD bank have an app called TD My Advantage that tracks your driving habits and discounts your premiums with them, based on how you score in your driving.Buy winter tires. Recommended over all season tires. It’s a hassle to change on and off twice a year, but it’s worth it. Else you will discover how dangerous driving on the snow is the hard way. Find a local tire shop instead of the dealers to get a better price. If your car supports it, I’d recommend getting tire pressure sensors as well for the winters. Once again, the small tire shops will give you a better deal on the sensors. In Brampton, I use Tipples Tire Service & Sales. Great service.If possible, wait till Black Friday (End of Nov) or Boxing Day (Dec 26) to buy things like furniture and appliances. Super big massive sales at this time.Rogers, Bell and TELUS are the big telecom companies here. There are cheaper alternatives. I suggest going for quality and use them to supply your mobile, internet and TV needs if you want reliable services. You get what you pay for. It is generally known that telco is comparatively expensive in Canada.Start learning hockey, baseball and basketball. Else you will feel clueless and left out of many Canadian conversations.Buy a good winter jacket. Be prepared to spend a little extra here. Get the boots and gloves too. I love my Canada Goose jacket and Columbia boots.Join a local Facebook group that is linked to your area. Great source to get advice from real people. For example I stay in Brampton, and my wife is part of a group called “Brampton Moms”. Use the group to get advice and referrals on anything you need. And contribute as well. Give and take.Find and register with a family doctor. Use your Facebook group to ask for good doctors around.Find a good dentist. Dental is not covered by government health care so you must take care of those pearly whites. The dentist I go to schedules and consistently reminds me about my check ups. Get dental insurance (through your company or otherwise) and fix everything wrong with you and your family’s teeth NOW before it gets worse. Else you may end up spending 1000s over your private insurance limit. I personally know people who suffered this way.Register for an online CRA account so you can receive tax notifications digitally. Online self serve tax tools like Turbo tax can automatically pull your tax details from it, making filing your taxes a breeze.Watch out for fake messages from the CRA warning you that you owe money. “Click here or call back to fix your problem else you will owe a lot of money”. Those messages are all fake targeting innocent newcomers. Ignore any and all forms of messaging (sms/email/calls) where they ask you for money, bank details or SIN number.Setup your Interac e-transfer with your online banking mobile app. This allows you to send money to people by just using their email address. It’s a very popular way of transferring money between friends and even some small businesses.Moving to a house? Be sure to setup online accounts with Hydro (for electricity), Enbridge (for gas) and Regional Water and Wastewater (Water and Sewage). Or which every company is locally providing these utilities. Bills can be paid easily from your bank using online mobile banking.Keep your original confirmation of landing document that they stamp at the border safely. Don’t think that your PR card replaces it. You will need to show it for your citizenship test and ceremony.Make sure you get a good Carbon Monoxide detector. If you live in a house, your furnace is a source of CO, and a leak is silently fatal.What about your job?!?!?That’s a massive discussion on its own.Click this link to learn how you can get more job interviews in Canada without applying for 50 jobs a day. It’s how I got three job offers just two weeks after landing in Canada, without local experience, qualifications or a social network.You won’t get this advice at settlement services ;)So feel free to share this with someone you know is stressed out about moving to Canada. They’ll love you for it.

To help you, Murray Newlands has outlined the top 10 tips you should follow to become a millionaire this year.1. Evaluate your current financial status.You can't grow if you don't know where you currently stand, so it's time for you to put everything on paper. By physically seeing where you stand, you can make the appropriate changes to achieve your financial goals. You need to be clear about the amount your earn versus the amount you spend and create a financial plan that will help guide your next steps.If creating this plan has made you realize you aren't satisfied with both your income and your spending habits, don't get discouraged. This is a step towards making positive changes. When creating your future plan, you need to:Know your full incomeEstablish how much you spendBe clear about where you could saveUse an online invoicing tool like sighted.com to track your finances.Write down your financial and lifestyle goals2. Work on increasing your current income.Once you've created your plan and listed your financial and lifestyle goals, it's time to work out how you are going to achieve them. Realistically, you aren't going to become a millionaire by cutting back on your daily coffee; you need to work out how you are going to grow your current income.Firstly, look at opportunities with your current employer. Maybe there is a promotion up for grabs or a new position within your company that would suit you better while offering you a higher income. Secondly, consider a side hustle that will allow you to regularly generate more money. Lots people use my tool Chattypeople to make chatbots on the side.3. Think about new revenue streams.Millionaires rarely have only one form of revenue. In fact, many of them have more than two. Start small and find a side job that can generate more money for you on a monthly basis. Some options could be:Offering your expertise as a freelance consultantMentoring or teachingDoing guest lectures or blog postsWorking a second job part-timeRenting the spare room in your homeOpening an online store4. Get saving.Once you've got your income on track, you need to create a strategy whereby your income is split between your:Living costs (bills, rent, mortgage, grocery shopping etc.)Personal expenses (cinema, dinners out, holidays, etc.)SavingsYour savings will be split into two accounts, these are your:Retirement savings plan (401(k), Roth, IRA)Emergency savings plan (personal savings account, money market)The best way to organize your finances is to automate them. Once you have established how much you are going to be saving, create direct debits from your current account to these two savings accounts.Schedule your direct debits to leave your current account on the day you get paid to avoid any temptation of spending. Depending on how much you earn, you want to aim to put 5 percent towards your emergency fund and 10 percent towards your retirement fund.5. Start learning new skills.Learning is about more than enabling you to do your current job properly; it's a way for you to become an expert in your chosen field. Additionally, it's a way for you to discuss topics with other professionals more broadly. Further, it will allow you to become a well-rounded intellectual.You don't have to reapply to go to college to learn new skills. You could simply:Read moreListen to podcastsAttend events and conferencesDo an online course6. Seek opportunities.Opportunities aren't just going to land on your lap as you sit at your desk during your usual nine to five routine. You have to go out there and get them. You also have to make your name heard so that others think of you as the perfect person when jobs pop up.If you've got a business idea you've been sitting on for a long time because you have to keep your day job to pay the bills, invest your spare time developing it until it starts generating a side income for you. Once it's up and running, it could even become your million-dollar baby.7. Become more frugal.Rich people don't get their fortune from giving it away and buying fancy cars, at least not in their beginnings. If you want to become a millionaire, you need to start living a more frugal lifestyle. You need to cut down on your spending by avoiding branded products and lavish shopping days. You can also:Start using couponsLook out for freebiesBuy your supermarket's own brand productsStart using public transport instead of your car or a taxi serviceCut down on restaurants and cook for your loved ones instead8. Avoid debt.The best way to become a millionaire is to avoid debt at all costs. A mortgage is an investment into yourself and potentially your family. A credit card bill, on the other hand, is an expenditure you have made without considering whether or not you could pay it back in the first place.Start by treating your credit card as a way out of an emergency rather than a luxury. To get into the right habits, avoid taking it shopping with you and take it off any online shopping accounts you may have. This method will also make you think twice about buying things you simply don't need.9. Embrace nothingness.Being bored is fine. In fact, being bored actually means that you have spare time on your hands, which is a good thing. Aside from stopping you from filling every void with an activity that costs you money, it's also a great way to focus your efforts on more productive matters.When you are bored with nothing to do, you could:Start meditating to enhance your concentration and clear your mindRead a bookExerciseCook a nice meal at home10. NetworkThe phrase "it's not what you know, but who you know" couldn't be truer. You'll often find that successful people associate with equally as successful peers, whether or not they are in the same field. As a result, it is key that you start networking with people that have the way with which to catapult you to success.Unfortunately, even if you are the best brain surgeon in the world, nobody will know it unless you tell them, so find out where your industry icons will be, and go and meet them. There are a number of ways you can meet successful people, some of which include:Sending a simple emailUsing social media to contact themMeeting them at events and conferencesSubscribing to their newsletterAttending their webinarsRead great finance blogs like Jeff Rose, CFP, Good Financial Cents.

Invest in yourself including reading articles, books and other forms of self-educationLive below your meansTrack your performance. Track more things including spendingInvest wisely in low-cost fundsFocus on some very specific financial goalsPlan how much you need to save and invest to meet your targetConsider retiring to a lower-cost city or country at 40Consider starting your own business, but only if you have gotten good at your job and know how to monetize your skillsFocus on the small things. Making an extra 10%, spending 10% less and getting slightly higher investment returns will compound massivelyDon’t try to impress others with spendingHave a direct debit linked to your investment account. Don’t invest what is left over. Invest after you are paid. Many people report investing 2x-3x more using this methodSome readingHow to become rich by investing: rational Investing Based on Evidence vs SpeculationHow much does the average decamillionaire spend on a car …….the answer might shock you9 things stopping people from achieving success52 finance tips