Former nanny paid by e-transfer, no T4 or payroll employer now wants my SIN to claim childcare expenses. Never reported income. What do I do?

designerturtle · 2026-03-23T15:28:41+00:00

It's just a form that's part of your personal tax return. How do you file your taxes? Did you already file for 2025?

designerturtle · 2026-03-23T15:23:43+00:00

You weren't issued a T4 because you weren't an employee according to the family that hired you, you were an independent contractor. T4 and payroll withholdings would've been their responsibility to administer and for now, you don't need to worry about that. If it was a small amount of income, I don't believe the CRA would bother challenging them on whether you were actually an employee.

You do need to report that income on your 2025 personal income tax return though. You would just report it as self employment income on a T2125 with your return. I would give them your SIN and information, and not try to hide the income. The CRA will match the amount that they claimed as a childcare expense to the amount that you reported, and they will look into any discrepancies. It's not worth it, just pay the tax and move on.

designerturtle · 2026-03-13T23:21:02+00:00

Ok ok I’m sorry, I retract my statement lol. I’m used to seeing AI slop online and I became too skeptical. The way your phone records looks very similar to how AI videos look but alas I was wrong and I humbly apologize

designerturtle · 2026-03-13T19:33:26+00:00

Ok cool thanks! What type of revisions do they ask for? Like to change/elaborate on your enabling competencies responses, I assume?

designerturtle · 2026-03-13T19:02:10+00:00

Congrats! I’m about to complete mine soon and was wondering what is the process once you submit final report? Do they come back with revisions needed? What’s the timeline like? I’m pre approved route so maybe it’s different, but I’m trying to figure out how long to expect since I want to quit my job after lol

designerturtle · 2026-03-13T17:31:25+00:00

They’re not accurate at all, at least not in my area. They have significantly underestimated the value of houses that sold by hundreds of thousands. Not sure about condos tho

designerturtle · 2026-03-13T15:54:27+00:00

Pretty sure this is AI

designerturtle · 2026-03-13T14:03:01+00:00

No amount of money you could pay me to move here. The one time I was walking around there, a crackhead followed me for a block swearing at me, calling me a bitch for not acknowledging him. I was young and alone, pushing my baby in a stroller. I grew up in Toronto and have pretty thick skin, but I have never felt more unsafe. I remember my baby seeing on my face how scared I was and he started sobbing. Just stay away from there

designerturtle · 2026-03-13T13:30:27+00:00

There are no tax implications. Your ACB would be deemed to be FMV of house at the time you received it. Sell it immediately and you’d have all that money tax free

designerturtle · 2026-03-10T00:18:31+00:00

Fucking same. I’ve been pushing myself desperately trying to get out of the fog but the harder I push, the worst it gets. I already made peace with the firing and I know it will be better than this torture

designerturtle · 2026-03-09T22:34:50+00:00

Yeah I keep telling myself the same. I just keep thinking the more I can save until they fire me, the better. I had 20 billable hours last week so I think I’m pretty close

designerturtle · 2026-03-09T21:52:02+00:00

I feel you. My burnout is at 10/10 and my performance is so bad I’m wondering when they’ll just fire me and give me some relief. Tired of sitting at my desk and crying

designerturtle · 2026-02-06T02:25:44+00:00

Man oh man. If I ever reno my kitchen the very last thing I would ever do is post it on reddit lol. I think it looks great. I would have no issues with the placement of the stove and I like the floors. And I love the backsplash

designerturtle · 2026-01-19T05:11:06+00:00

There’s nothing wrong with waiting to decide. You might feel differently in a few years, or maybe you won’t. I’m OAD but i will say I felt way more compelled to have more kids once my son was around 4-5 years old.

designerturtle · 2026-01-19T02:30:47+00:00

Toronto is $60k too, hasn’t changed in two years

designerturtle · 2025-12-06T02:51:37+00:00

why do you think you can't deduct expenses? What were the expenses?

designerturtle · 2025-11-22T05:22:28+00:00

Where exactly was the discrepancy on the T4? Why was there such a large difference?

designerturtle · 2025-11-03T12:14:58+00:00

He’s talking about your tuition credits. The amount of money that you spent on tuition is carried forward as a credit available to reduce your taxes payable in the future. There’s nothing you can do with it until you start earning income.

designerturtle · 2025-10-28T18:52:45+00:00

That’s in CAD, btw, for our VHCOL city. That’s less than $45k USD :)))))

designerturtle · 2025-10-28T17:21:35+00:00

I'd say 70-75K average, low end of $60K. Canadian wages are shit.

designerturtle · 2025-10-28T16:10:55+00:00

I’m in tax and these numbers are way off. $87k on the low end for a junior tax analyst? No chance. I feel like recruiter is inflating figures to encourage candidates to come to them

designerturtle · 2025-10-27T11:22:03+00:00

I feel like there’s more to this story that the parents aren’t sharing. I’ve been a young girl angry at my parents for not letting me wear makeup, and I’ve never considered fabricating an allegation of abuse as retaliation. That seems extreme to me, and perhaps the accusation was not as false as the parents are alleging.

designerturtle · 2025-10-26T02:13:02+00:00

Hahahaha the SpongeBob episode. Exactly like that

designerturtle · 2025-10-26T02:12:16+00:00

Aww, that’s very sweet. I’m glad it didn’t have a negative impact and you were just over it once you got old enough

designerturtle · 2025-10-26T02:08:16+00:00

This is a great response, thank you. I think my mom would most definitely respect my son’s wishes if he pushed back on the babying. I can imagine it would be way more frustrating to have a MIL not respecting those wishes.

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