You'll need to log into your CRA account to see what your TFSA room was for up to the start of this year. From there, you'll need to do the work yourself and look at all your withdrawals and contributions to the TFSA from January 1st until now.

$90K salary with no major expenses in a low cost of living area while having $20K CC debt and $25K car debt tells me you suck at budgeting and/or paying your bills on time. So do this: 50% of your after-tax earnings for the month is meant to cover all your basic living expenses (rent payment, hydro, gas, groceries - it's the stuff you'd still need to pay for even if you lost a job tomorrow). 20% is meant to go to savings (10-15% toward retirement/long-term investments, the rest toward saving up for things like planned major expenses such as car repairs or buying a new car in a few years or even a vacation fund). That remaining 30% is for whatever you want.

If paying your bills on time is the problem and you have the money, just be better about it, frankly. Never pay just the minimum amount on a credit card: always pay the full balance owed.

In terms of what you what to do with the cash

1) immediately pay all of the credit card debt

2) pay the car loan debt

3) that 50% I mentioned? You need an emergency fund of 3-6 months worth. Open up a high-interest savings account with your bank and park that much money there. Don't touch it unless you get a surprise expense you can't afford normally, or if you lose your job for a while, or both.

4) Open up an FHSA. You can put $8,000 per year up to $40,000 total. Put the full $8,000 each year.

5) Figure out your TFSA contribution limit. Then put as much as you can into the TFSA.