I have over-contributed on my 2007 RRSP - - - a little help!!?

  • Thread starter Thread starter iknowwhoyouare s
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iknowwhoyouare s

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I have over contributed on my rrsp for 2007. My max. rrsp contribution was to be only about $1K. I ended up buying about $6K on my rrsp.I am now working FT and making about $45K/year. So I expect my contribution to be bigger for 2008. I haven't filed my taxes yet (yes I know its late, BUT I am owed a refund). What can I do? Should I file my rrsp contribution for 2007 and pay the over contribution penalty, or should I wait and file my 2007 rrsp contribution and defer it for 2008?
 
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