Toast

My work isn't consistent throughout the year.  I can go hard for a couple months then sit for a month. 

When I work, I contribute lots, when I don't work I cannot contribute. But there is no guarantee to how much I make from year to year, so I won't fill out the 'reduction from source' forms. 

I have gotten 5 figure refunds, but I do not know at the beginning of the year how much I will get to contribute on any particular year. 

I don't think I am doing anything wrong. And, for the record I will use the money to max out TFSA's. If there is money left over it goes into the RRSP IF there is contribution room available.