Tax refund season has a predictable problem: the money gets spent mentally before it ever arrives. Jessica Moorhouse says writing it down before it lands changes the outcome.

Her ratio is 80 to 90 percent toward something responsible and 10 to 20 percent toward something just for you. Jessica Moorhouse calls the alternative frugality fatigue: budget too strictly for too long and you will eventually blow it on something you will regret, the same way an overly strict diet ends in a binge. Fun money is not optional. It belongs in the budget because without it, people eventually rebel.

On the responsible side, Jessica Moorhouse sequences the refund as emergency fund first, high-interest debt second, then RRSP, with the FHSA taking priority over the RRSP for anyone who has one.

Topics: tax refund Canada, frugality fatigue, budgeting tips, digital envelope budgeting, RRSP FHSA

GUEST: Jessica Moorhouse | http://jessicamoorhouse.com

Originally aired on 2026-05-04

Tax refund season has a predictable problem: the money gets spent mentally before it ever arrives. Jessica Moorhouse says writing it down before it lands changes the outcome.
Her ratio is 80 to 90 percent toward something responsible and 10 to 20 percent toward something just for you. Jessica Moorhouse calls the alternative frugality fatigue: budget too strictly for too long and you will eventually blow it on something you will regret, the same way an overly strict diet ends in a binge. Fun money is not optional. It belongs in the budget because without it, people eventually rebel.
On the responsible side, Jessica Moorhouse sequences the refund as emergency fund first, high-interest debt second, then RRSP, with the FHSA taking priority over the RRSP for anyone who has one.
Topics: tax refund Canada, frugality fatigue, budgeting tips, digital envelope budgeting, RRSP FHSA
GUEST: Jessica Moorhouse |<a href="http://jessicamoorhouse.com"> http://jessicamoorhouse.com</a>
Originally aired on&nbsp;2026-05-04

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.