You know, almost one million Canadians do not have a bank account. It is possible to live without a banking account, but it may pose challenges financially, including taking a loan, managing finances, and earning money working. The majority of Canadians who get a job through a job agency North York are paid either through cheque or direct deposit, although some employers provide cash.
Employees who do not have a bank account can use a cash-paid job, and this covers a wide range of jobs, particularly manual-labour jobs, mostly gotten through a job agency North York.
Is It Possible to Find Jobs That Pay Cash in Canada?
Not every cash-paid job is illegal. Several employers prefer cash, as opposed to cheques or direct deposit. This is a legal way of payment that still needs compulsory deductions of tax and Employment Insurance.
Top Money-Paying Jobs in Canada
A large number of jobs are cash-paid, with most of them being manual labor.
- Construction.
Construction employees erect houses, office blocks, and so on. Erection of scaffolding, the removal of debris, heavy machinery and loading or unloading of building materials are among their duties. No post-secondary education is needed, although a high-school degree is normally desirable.
- Cleaning.
Cleaners cater to residential, office and play areas. They also have to clean vacuums, mop, dust furniture, scrub surfaces and appliances, and empty trash cans. Post-secondary education is not required, even though having a high school diploma and experience is helpful.
- Day Labor.
Day laborers are contracted on an everyday basis by a job agency North York to complete certain tasks like construction or farming activities. Such jobs are available in employment agencies.
- Temp Agencies.
Temp agencies are able to offer temporary employment to companies and employers, as well as assist them in identifying the most suitable employees. They will tend to put the workers in cash-paying jobs. Since they are usually on a temporary or part-time basis, you have a greater opportunity to get work paid in cash under a cash job agency near York Toronto.
- Service Industry.
Service industry jobs involve serving, bartending and hosting. They need good customer service skills, order taking, serving of food and drinks and setting and clearing of tables. Employers seek patient applicants who pay close attention to detail and cashier experience. These positions do not need post-secondary education.
You Have Your Rights with Cash Jobs
Workers are all covered by labor laws. In case of cash payments for your occupation, you have the right to all the privileges of those employees who are compensated in other ways. You are allowed to pay slips, minimum wage, public holidays, paid vacation, Employment Insurance, and maternity leave.
- Pay Stubs.
Although you may be making money in cash, some of your income is going to be used to pay taxes, Employment Insurance, and Canada Pension Plan. These inferences will be reflected in your pay stub. That pay stub also needs to show the total number of hours that you worked, your pay rate, overtime pay and public holiday pay.
- Tax Forms.
At the end of the financial year, employers are expected to present tax forms to you so that you can file your taxes. Store all your pay stubs as they will be significant records on how to keep your finances and get ready for tax season.
- Minimum Wage.
The lowest wage that employers can legally compensate their workers is the minimum wage. In Canada, the minimum wage is dependent on the province and is between $13.00 and $16.77.
Cash-Based Jobs and Your Tax Bill
Regardless of whether you are paid in cash, in cheque or by direct deposit, you are legally obliged to report and pay taxes. Cash jobs are also sought by some individuals in order to evade taxes and hide their income.
It might be appealing not to have payroll deductions, but it is unlawful to work without withholding in cash.
In the case of suspected underreporting in the Canada Revenue Agency (CRA), there is a possibility of a personal audit that would result in fines, penalties, or even jail time. Unregistered immigrants who work off the record are prone to deportation by the authorities against those who do not have a social insurance number or a valid work permit.
Tips When Working Cash Jobs
When you are paid in cash, document well the contacts with the employer, the payments made, hours worked, company information, including names, titles, phone numbers and car number plates. This is because these records will be essential in defending your rights as well as filing complaints or claiming wages owed to you.
Also Read: Why Partnering with a Temp Staffing Agency Can Transform Your Hiring Strategy
