When you arrive, one of the first things to do is open a bank account. Most Canadian banks like RBC, Scotiabank, and TD offer newcomer packages with no fees for the first year. These accounts make it easier to get paid, pay bills, and start saving.

Building a credit history is crucial — it affects your ability to rent, buy a car, or even get a phone plan. You can start by applying for a secured credit card and paying it off monthly. Avoid carrying balances or missing payments, as that lowers your credit score.

It’s also important to budget for the cost of living in Halifax. Groceries, transport, and utilities can add up. Lebanese families often save by cooking at home and shopping at local markets. Remember: financial planning is not just about saving money — it’s about building stability for your future in Canada.