"My wife and I believe in the value of making regular contributions to an RRSP account. We put away $200 bi-weekly, and then if we receive any year-end bonus pay we try to make an additional lump-sum deposit. But here’s the trick – because we contribute to an RSP we often receive an income tax refund, which we then use to either pay for a vacation or we apply it against our mortgage." Matthew, Mississauga, ON