The Back-to-School Financial Survival Matrix: Inflation, Grants, and the RESP Unwind

Late summer in Canada brings a familiar mix of changing leaves, back-to-school flyer drops, and sharp financial anxiety. Whether you are buying a second-grader a new backpack, helping a university freshman outfit an apartment, or writing a tuition cheque, financing education has become one of the most significant line items in the family budget. With retail inflation keeping baseline expenses high and post-secondary tuition steadily creeping upward, relying on traditional "savings strategies" is