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Many people choose to employ a their TFSA as a rainy day account. Result in you tearing go towards a house renovation, your car upgrade, maybe a family family holiday. However, if you have HELOC, it is a better idea on this this extra cash to pay off some with the mortgage, particularly if the HELOC pace is higher, which it most likely will you should be. Most HELOC rates are around 4.5% interest while most TFSA are around 3% concern. In this case, it would be smarter to place the money into HELOC rather than TFSA. Tend to be tax free but cutting your mortgage advantage you ultimately.
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