There you go!
Paypal and credit card usage will get you hit with massive fees. I would advise to not use either. You can sign up for Coinbase and "link" your on-line banking. Then perform a deposit to Coinbase. Last time I checked, it is free to deposit. It is like transferring money from one bank to another. I don't think they take Canadian currency. This deposit takes a week. Once it is deposited, it is still fiat. Now you can buy Bitcoin, ETH, LTC with a fee. You can also do it without a fee by signing up for GDAX. Coinbase and GDAX are the same company and free if you do a "LIMIT" order. There are youtube videos how to do free trades on GDAX. Your money is simply transferred between Coinbase and GDAX. If all that is too complicated, then just buy on Coinbase and take the fee.

After that, you can buy directly from your Steemit wallet by clicking the "Buy STEEM or STEEM POWER" button. That will take you to blocktrades where you can send your Bitcoin, ETH, or LTC. The fees are pretty hefty there. An alternate way is to transfer your bitcoin, litecoin, or ETH to Bittrex exchange. (you will have to set up an account). From there you can trade your cryptocurrency for STEEM and then transfer the STEEM to your Steemit wallet.