Do I include them in my income in my tax income form or/and do I get deductions as if I had made those payments? I can't wait to start contributing to my RRSP. As you may recall, I have zero RRSP. I calculated I should have $2000 by the end of the year. My goal is to accumulate $25K for a home. I can't contribute much until early next year when I've finished paying my debts.