Many people choose to use their TFSA as a rainy day account. Result in you tearing go towards a house renovation, utilizing a upgrade, maybe a family a holiday. However, if you have HELOC, it might be a better idea also included with this more money to compensate some in the mortgage, particularly if the HELOC interest rate is higher, which it most likely will wind up being. Most HELOC rates are around .5% interest while most TFSA are around 3% profit. In this case, it would be smarter set the money into HELOC rather than TFSA. Both of these are tax free but lowering your mortgage will benefit you in the end.
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