When Will My GST Cheque Come?

They come July, October, January and April. I typically get mine around the 10th or so (one more month yay). Every year your GST cheques are reviewed when you do your income tax. So the one you got in April may be a different amount then the one you will get in July, but for the rest of the year it will be the same amount.

PS is it cheque in Canada and check in the States?? We know how Canadians like to add the letter "u" to words (favourite, colour, etc).

How Do You Set Up Your Funds??

A lot of people discuss putting money away in an Emergency Fund, a Christmas Fund, a Shopping Fund, a Wedding Fund, a House Fund, a Summer Fund, a Vacation Fund, you get the idea.

I want to know if you separate all of these accounts? Do you have a different savings account for each within your bank? Or do you just add them all to the same account and know what you have saved the money for?

I want to set up different funds as well once I pay off my family loan and want to know an easy way to do it. I will be setting up an ING account in the new year and that may be a way to do it. But I also don't want to have a ton of transactions coming from my bank account each month. I also don't want automatic withdrawals into these funds because having a variable income there could be some months I am not able to contribute.

How do you set up for your different savings funds??