Melissa Millions Tax Specialist

07/22/2026

Thank you for all your support !!

07/20/2026

I had quite a few texts and calls over the weekend from people wondering why their Canada Child Benefit is lower than last year, so I thought I'd answer the most common questions here.

Before assuming something is wrong with your taxes, take a minute to think about how the CCB is calculated.

The biggest factor is income. If your income increased in 2025, your CCB may decrease because it is income-based.

If you became common-law in 2025, CRA now looks at your combined family income when calculating your CCB, even if your partner isn't the biological parent of your child.

Take a look at the notes on your CCB notice as well. CRA will often explain why your payment has changed.

And no, I didn't do your taxes wrong. Your tax return reflects the income you earned, and I always provide you with a copy of your return so you can see exactly what income was reported.

Other things can also affect your CCB. Working overtime, getting a raise or promotion, taking on a second job, or withdrawing money from your RRSP can all increase your income and impact your benefit. If you share custody of your child or children, CRA may also split the Canada Child Benefit between both parents.

Please remember that weekends are my family time. When I see a work text or phone call, it's hard to switch off because work immediately goes through my mind. Unless it's something that absolutely can't wait, please send me an email instead. I'll respond as soon as I'm back at work.

Thank you , Melissa

07/01/2026

Thank you for the bottom of my heart for your support all these years ! This marks my 6th year of winning your favourite!

06/28/2026

Final day to vote .. 🙏

Official 2026 Community Voting Awards Platform for Sudbury, ON. Where the community votes for their favourites every year.

06/20/2026

Only a week left to vote !! If you have worked with me and love the services I provide it would mean the world to me if you could take a minute to vote :)

Thank you so much :)
Melissa

Official 2026 Community Voting Awards Platform for Sudbury, ON. Where the community votes for their favourites every year.

06/05/2026

Attention

I understand the one time grocery payment from the government is paid today. If you didn’t receive it it’s because you do not qualify .
It’s income based .
You all should have access to your cra accounts to see if you qualified .

Have a great weekend !

05/28/2026

Voting is now open . If you love my services I provide you each year please take a minute to vote for me in 2 categories
Bookkeeping and income tax preparation .

❤️

Official 2026 Community Voting Awards Platform for Sudbury, ON. Where the community votes for their favourites every year.

05/05/2026

Hey all

I’m trying to add educational posts to help each one of you understand taxes a little better .
With that being said what kind of posts would you be interested in reading?
Would truly love your feedback !

05/04/2026

One of the biggest things I see in my profession is people jumping into self employment for the wrong reasons usually thinking they’ll make more money or have more time with family. The reality though is that it’s not for everyone.

Self-employment is often more demanding than a 9–5. If you don’t work, you don’t get paid. Time off means no income. You’re responsible for your own benefits, your own structure, and staying disciplined with your finances.

A few areas that tend to catch people off guard:

HST (Sales Tax)
This money isn’t yours as it belongs to the government. You’re simply collecting it. Many are shocked at what they owe at year-end because they’ve spent it. Stay organized and set it aside regularly so it’s there when you need it.

CPP Contributions
As a self-employed individual, you pay both the employee and employer portions which are currently 11.9% of your income, up to a maximum (just under $8,500). This is often overlooked.

Income Tax
No taxes are automatically deducted, so it’s up to you to plan ahead. Setting aside 25–30% of your income is a solid approach to avoid surprises at tax time.

All that said, self-employment has been incredibly good to me, and I have no regrets. It’s given me opportunities, flexibility, and growth I wouldn’t trade but that comes from understanding how to manage it properly.

Before making the leap, talk to a professional, ask questions, and make sure you’re fully informed. It can make all the difference. If you have questions I am here !

Melissa

05/01/2026

What a season !!

I just want to take this opportunity to thank you all for making this tax season a success.
For the first time ever I was not stressed on April 30 . I was able to get everyone in on time and even a few that sent me their stuff in the past few days.

I found everyone was a lot more organized this year and if they weren’t they listened to what was required and got it done quickly. This made everything go smoothly and does not go unnoticed!

Thank you all for the generous gifts again .
Flowers, chocolates, books, keepsakes, gift cards, moose sausages, wine and even fresh crab from BC waters !! It’s all so amazing and so appreciated !

I will be taking a few days off to rest and recoup . If you have not yet filed I would be happy to help you and I’ll be back at it next week .

Tax season deadline - complete !

Melissa ❤️