Harsh Reality Of Canada That No One Talks About! It Keeps Getting Worse...

With housing, interest rates, inflation in canada, it's getting difficult. Sharing my heart out with you.
Harsh Reality of Canada.
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[@Peekapoo]

Sharing my heart out, let me know what are your thoughts? Confused. 😕 Not saying we are miserable or anything, we are living our life and very happy with it but the other option is kinda tempting where we feel we would get much better value for money. What are your thoughts?

[@tuigcsrgh]

go calgaryy asapp

[@pauldevey8628]

Not sure if you are citizens yet but we need to vote out our federal government. They are deficit spending and flooding the country with debt financed $$. That is fuel for inflation. The gov. to pay is also competing with us for loans and that drives up interests rates. New Canadians need to participate in the democracy. That is critical. Review and see which party supports your values.

[@saiyadazaidi9674]

Hey I love your vlogs I think it’s a good idea to move to places out of Toronto . I totally support it. Even though it’s boring If u have extra cash u can enjoy somehow. And the news is the mortagages re going to increase further

[@amritsandhu7584]

Hi dear Sis, I see your every vlog and as per my point of view you should move to Calgary but before that start applying for jobs over there also you will be habitual of that environment slowly.

[@awalgagan]

Rent your basement, that's what I am in the process of doing! It won't be much but can help a little.

[@jarrodmediahouse]

Just an observation. You are living beyond your means. Trips, furniture, renovations, Peleton bike, expensive clothes, eating out.. etc etc. It’s no wonder you are concerned about money. People who earn much more than both of you, don’t do as much. It’s not that we don’t want too, but everything in progression. You can have it all, but not all at the same time. I’m sure if you adjust your spending for 6-12 months, things will be different. You both are still young and starting life, don’t end up in massive debt when you really don’t have too. Just my two cents 😊

[@Fusionplate]

They both are rich brats from India, imagine someone who has an AUDI back home, even coming to Canada was sponsored by parents

[@dishita_shorts]

I'm relieved someone spoke up on them FINALLY, was getting anxiety attacks and used to feel I'm a failure in Canada as I struggle to make ends meet.

[@misscappuccino5920]

Finally cause I spoke up with this couple issues of spending money

[@laurakatona8850]

Valid comment- same thoughts here

[@ssethiya1843]

And she should start working

[@bensmith6044]

Who else here feels like they make all these videos to indirectly ask their parents to send them money as they are “struggling” and can’t drink 15 bucks a cup coffee or buy 1500 dollar drone camera as an upgrade

[@rohanutep81]

😂

[@vidalberto]

No hate but, in one video you are renewing your kitchen with expensive countertops and next videos you are complaining about money? You could have pause the kitchen while interest estabilize.

[@ABC-kl3hu]

Also put expensive gym in basement and furniture, your Videos is very inconsistent one time talk about dieting and other videos you go to downtown and eat

[@RenuNayyar-cf8ej]

😂

[@lindadrinks-johnson1904]

She’s not selling. Preying on cash app

[@jayashreeprabhu9989]

Before complaining for everything please don't spend too much money on home set up, unnecessary furniture, clothing etc. etc... ..

[@AlphaMatt1000]

Everyone wastes a fortune on home renovations in Canada. It’s ridiculous.

[@sammospencer8641]

I feel your pain. I love downtown Oakville and it keeps getting better. I love that you’re a Canadian KZbinr living in my neck of the foods. Hopefully, things will improve for all of us in Canada.

[@oudomkeo]

My suggest is plan a 2 weeks visit in Calgary first to get a feeling if it is the right place for you before moving to. I heard many stories of regrets from people who move from Ontario to Alberta. With this being said, Alberta is a beautiful place, many mountains, lake and place to visit.

[@streetsoftoronto5185]

People who live pay check to pay check buy Peloton’s and redo their whole kitchen, and take random trips to India, and go for a weekend to places that cost $1200 per night? 🤔 I wanna live pay check to pay check too!

[@lindadrinks-johnson1904]

She shouldn’t resign from her job. Her husband needs a permanent job. Is he still employed as a contractor without benefits.

[@vkchaitanya2003]

That weekend getaway place in the woods was $1200😮??

[@reensr4343]

1200 wow

[@komalrathod4075]

@@vkchaitanya2003 it was a sponsored stay

[@vkchaitanya2003]

@@komalrathod4075 did she say that in the video?

[@ssethiya1843]

1.Cut down your expences you spend a lot on expensive items. 2. Start working. 3. Rent out one room or basement. Moving to Calgary is a bad idea. If you have plans to move from Ontario then move to India. Your spending habits will make you broke wherever you will go in Canada and also you behave like a tourist there. Accept the fact that you went there to build a life.

[@user-ly3qy5qn8s]

Though i am a frequent viewer of your videos, but I remember one of your first videos in Canada, where u started ur day early in the mrng and went to office by bus may be, amidst heavy snowfall and it was alsmost dark. Feel that struggle u and ur husband had in the early days. If can overcome that days, m sure u can overcome this problems also. Best of luck.😊

[@streetsoftoronto5185]

Stop wasting your time guys. This video is for views and to get comments so that she can make more money to buy another peloton, redo another part of the house, and take more expensive vacations. This is a joke 😂 don’t fall for it and waste your time.

[@SumanjeetKaur]

But peole dont have brains, its clickbait video as usual to make money.

[@lindadrinks-johnson1904]

OPPORTUNIST. LET HER FIND A FULL TIME JOB AND STOP BUYING CLOTHES, Wear them and return to the store.

[@matrixsmarther2325]

Yeah, it's clickbait

[@veliigang]

I think she is delusional, like buys the most expensive stuff, redid the kitchen , and then talks about expenses . Even her groceries are ridiculously expensive

[@aaykay4060]

This is the danger of a variable rate. You have to consider rates going up. Fixed rates are generally higher but you have the stability of it not changing for your term.

[@nishmaappanna1358]

Such a relatable video! My fiancé and I in October moved to USA, we both lived in Etobicoke! Being in our 30s and wanting to start a family it was becoming so unattainable to buy a house and save money in GTA! Also for whatever reason we found that our employers were not paying enough according to the inflation going on it was staying pretty stagnent! We are now in New York State and living way more comfortably and we are also saving money! Sometimes a big change is needed to get what you want out of life!

[@lakeofbays1622]

Yes I just returned from San Francisco. If you are talking about inflation, try out San Francisco for a month. Not everybody in US is working in IT sector. This lady is probably a spoiled brat.

[@ddaniel987x]

Pretty sure you're not in NYC. You'd run back here and never complain again once you see the cost of living over there. And you can live in places where housing is affordable here as well, however I imagine the weather is a factor that many people still choose USA but I'm almost sure they'd never choose cities like besides NYC, neither LA, San Francisco, etc.

[@prettyme3150]

​@@ddaniel987x I have a friend who came to Winnipeg from NYC because of PR. She left immediately after completing her studies. Instead of waiting to transit from student to permanent residence, she left. Because cost of living and wages are low. She was a student in NYC and was still able to pay her fees and save a huge lot. Yeah, I always thought NYC is expensive but reality paints a different picture. Canada is expensive!

[@ddaniel987x]

@@prettyme3150 I’m really curious to see her explanation on how she as an international student seeing that in the US they can only work 20 hours per week Max (ON CAMPUS) could pay rent, food, her tuition and “save a huge lot”.

[@only4comments]

@@ddaniel987x They're in Buffalo lol.

[@Avian1397]

Interest rate issue is a global problem. When you applied for mortgage you showed your income from the full-time job you once had but weren’t planning to pursue that in the future, which means your affordability wasn’t as high as you had during your application. Then you went on to make a series of financial decisions like upgrading kitchen which actually was functional but wasn’t aesthetically pleasing for you, a new car whereas a used one could have done the job, new furniture like a bed whereas your old ikea bed could have been used for a little longer, Peleton bike during spring where you could have just chosen to go for a run, etc. The focus of this comment is not to point out the faults but to try and make you understand that the problem was self created in a way. Undoing so much of damage is complicated and entirely depends on the contracts you have for each of the debt you chose to get yourself into. Inflation is coming under control in most of the countries so the interest rates might have just reached its peak. You could consider to wait it off as the cost involved in moving is a lot higher than paying interest on this property.

[@bensmith6044]

Don’t worry their parents will again send them money and they will be very soon on their next vacation

[@Avian1397]

@@bensmith6044 maybe not. Their family helped for securing the deposit for their house but they don’t keep sending money regularly I think. They claim that they can afford what they are buying, but it is just that their expenses are not conventional, which is what freaks people out. When we spend, we think a million times but they don’t. It could be good or bad, I don’t know.

[@bensmith6044]

@@Avian1397 ya as if you are their accountant

[@anuverma568]

@@bensmith6044they are off to vacation again 😂

[@Keepgoingnomatterwhat]

We faced same situation like yours, so finally decided to move to Prince George,BC & happy here. Views here are breathtaking like Mini Switzerland

[@rmegha77]

Hey! On a friendly note, you might be an amazing person but I seriously think you gotta get more exposure to people who have real money troubles, like real living from paycheque to paycheque situation. There is Ikea and there is CB2, you buy a $600 pendant lamp from CB2 and a person living from PC to PC would probably get half of all their furniture at that price( from Ikea or secondhand or maybe free porch pickup even), they also want to buy that lamp from the expensive store but they simply can't. I am no one to judge you but this really gives me the vibe of "Ananya Pandey's struggle". If you wanna buy all the expensive stuff that's cool, that's your lifestyle but then you cannot complain about savings. If I have limited income and my lifestyle is such that I will only stay in Fairmont(just an example) and then if I complain to my friends that I am not saving anything, they would probably laugh at me. See I love you, this is not coming from a place of hate but I just think you gotta widen your exposure, that will keep you grounded. Rest, I live in Calgary, this is an amazing city, there are enough events all around the year, you can go to the mountains anytime and winter is not as bad as people think it is, I have lived in Ontario for a year and now in Calgary and I honestly find winters much better here cz it is sunny all the time, chinooks help a lot and I can ski as much as I want.

[@Peekapoo]

I appreciate your comment, but just want to clarify that right now, in the current situation where interest rates are at all time high, it's difficult to save. And the value for money is very low living in the GTA. So we were weighing our options, if we could still live the same life but have very low monthly for housing, we might be able to save more. Calgary is tempting if you compare it to GTA. And not all the things in my house are from expensive stores. I try to balance it out, and those are long term furniture pieces which we bought from our housing budget. And I'm not COMPLAINING about savings. Complaining is one thing. Sharing is one thing. Just wanted to share with you all my family and ask how Calgary as an option is? We could get BETTER VALUE FOR MONEY there. We only do things that we can afford, and not living beyond our means. But at the same time, everyone has their own way of living and have different priorities. But the crux is wanting to have low housing expenses so that we could be more stress free. And have a better value for our money spent. Hope that clarifies ❤ not everything is about cutting down expenses, there is one thing called better value for money which we long for. And thanks a lot for sharing about Calgary, its helpful 😊

[@rmegha77]

@@Peekapoo yup! I guess what you meant in the video was having better value for your money, it just somehow portrayed as you are living from paycheck to paycheck. I recently moved to my house too in Calgary and paying 5.9 percent interest, I can totally understand your situation. Hoping interest rates go down (or at least don't go up) , I would hate for you to sell this house as we put so much of our heart in decorating the house, can't imagine you leaving all that after putting in so much heart and soul!! Good luck 🤞

[@rmegha77]

You can visit Calgary once and decide for yourself, that's how we decided, we travelled here for 10 days , spent 6 days in Banff and 4 in Calgary and that's when we fell in love with this place and decided to move. You are welcome to stay with us for the duration.

[@sayantanimondal1345]

Hey Pooja, the inflation is really worrisome, we live in Ottawa and whereas we definitely can not say it's the cheapest but Ottawa definitely far more cheaper than Toronto and GTA, also it's a beautiful city with the all the city amenities but at the same time you can get the suburban vibes as well. Do consider Ottawa if you guys move I think you will like it here. 😊😊

[@TheZubairShorts]

You're editing is awesome

[@mariyam3382]

It's like.. When you are offered more, you complain more, but never value

[@itoroutin3550]

If you really don’t like her you should unfollow!!! Stop hating 😡

[@mariyam3382]

Who is hating, I think you misunderstood, I knew something like this comment will come, chill, are you paying her mortgage😂😂😂😂😂

[@lindadrinks-johnson1904]

@@itoroutin3550 I don’t feel they dislike her. Why tell the world your financial problems looking for her subscribers to financially support with Gofundme and cash app. That’s what she wants.

[@ZaraVerseCanada]

She is right no one actually talks about it

[@coooldudedar1994]

​@@ZaraVerseCanada what are you talking about?! There are tonnes of youtubers talking about this exact same thing.

[@red_hat3855]

1:41 ... They work hard.... They don't go around making crappy videos

[@labadee]

How about start with cooking at home more and not buying coffee out everyday and $11 cinnamon rolls? Watching your videos you are spending way more than you should be

[@treynolds94]

Kawartha lakes Lindsay Peterborough Omemee are still great areas. Close to major cities and nature. You can still buy around the 500ks have a backyard more space with less taxes and mortgage rate.

[@raghavgrover6436]

Winter was so mild in Calgary compared to three winters I have experienced in Montreal with the exception of one week in Dec and one in Feb. In Jan there was no snow with grass visible and I was wearing half sweater outside as it was warm due to chinook. Also +5 of Toronto will be same as -5 to -10 of Calgary due to dry weather ( less moisture). Calgary is under rated if you ask me. We moved from Montreal last year to Calgary and it was the best decision ( if you have a job here). Job opportunities are less but people are also less and IT scene has grown over the past 2-3 years with big names like Accenture and some fintech companies as well. Don't just go by what you hear online as most people are still talking about Calgary of 2017/2018 or earlier. I just spoke to a friend who is moving from Ontario and he scored a job in IT (City of Calgary govt job) job in 2 weeks, so I don't believe when people say there are no IT jobs, there are but you need to see if they are in your field of interest and if you have enough experience to meet the posted jobs criteria.

[@tracyramsumair7257]

Hey Pooja, I'm actually from the Caribbean (the tropics) and I migrated last year with my husband. We did research and realise ontario was too expensive so we came to Calgary. I was just as skeptical as you in terms of weather and things to do., but boy was I wrong! Calgary is beautiful and clean and way cheaper! There are tons to do! The weather gets pretty intense sometimes but it doesn't last long and the chinooks help alot! Also, Calgary is the sunniest city in Canada so you would love that! We are surrounded by mountains and nature! Banff is not far away as well. Trust me, you won't regret it. It is cheaper here and you get bigger and more beautiful houses here for half the price you paid in Toronto. You could at least visit first and explore and then decide if it's for you! Ps. Love your videos so much! I've been watching them since I lived in Trinidad 🇹🇹 years ago!

[@isaachuntt]

🇹🇹

[@tessiemaharaj9893]

Same I’m from south Trinidad and I’ve been a fan girl for a while. I recently moved to Ontario, but I’m studying here. 😊

[@niallmcdonagh1093]

Pooja I'm afraid that you bought at the absolute worst time...low interest rates and high house prices. Now it is the opposite. You may not be able to recoup your house costs if you sell now. You may just need to sweat it out until rates come down next year. Sorry!!

[@swankyshivy]

hi tracy. can you advise on the health services in calgary/edmonton/alberta on whole? heard it takes 7 to 10 hrs for you to rch the examination room, unless you are absolutely dying. also heard long waiting list to get scans and surgeries etc is there private institutions like trinidad where you can have health insurance and get medical sevices rather than depend on the free health service which seems take forever

[@nickvlogstt]

Fan from Trinidad 🇹🇹…. What about London Ontario have some peeps there and it seems to be working for them.

[@kevindavis5772]

That's is the problem with variable rate. You can talk to your bank to blend and extend your will lock in at higher interest rate and extend your mortgage.

[@hcmistry11]

I think a lot of Canadians are in this situation. I know it's a hard time too, but if you can tough it out during these hard times, trust me, when things recover in a couple of years your property will appreciate more, it will be way better overall. Alberta is really hard choice we also thought about investing in there but because they rely so much on the fuel/gas industry. When these industries diminish in the next 10-20 years, you're going to have to make hard calls at that time.

[@imanthaherath6770]

When you posted about “expenses in Canada”, I’m the one who posted a comment like an essay. But to be frank with you , I feel like it’s a good decision. Not just Calgary it self. Consider about the new developments in Alberta like high speed train project etc and see what are the new communities coming up. In couple of years, those cities will be developed. Plus yea Canada has become so expensive :( . 100% agree with the fact you said it’s not about not eating out or not having fun. We need it for our lives. It’s all about living your life making every day a memorable day. Good luck with both of your plans!

[@adi18065]

For starters, stop spending on luxury stuff and international travel and start taking back equity in house or invest in instruments beating inflation

[@bansipatel6941]

Pls stop eating at expensive restaurants constantly, reduce splurging (which I see a lot in your life), stop buying Uber expensive furniture and instead be creative, rack up enough savings and then consider furnishing your home, get a tenant to split your mortgage with. If despite doing all this you’re in crunch I think it’s in your best interest to move to a cheaper areas. Also PLEASE get a side job peekapoo you’re young and should push yourself as much as possible. I live in an expensive city in the US myself and I’ve done this all so I’m speaking from experience. The rewards are worth it, so push yourself harder girl. You got this!

[@falconi0]

Bete aap sahi keh rhi inko aap phone kro aur samjhao

[@sweetdreams1711]

like seriously !!! not agree with you , life is to live and not just to work hard and why? bcz she is young then live life when you r old? and at that time you might not be able to live and eat outside or travel

[@lindadrinks-johnson1904]

She needs to stop being a show off like she have all this money. She is too extravagant and won’t take advice from her husband. Buying brand name gifts to take to India, traveling the world all which is expensive and you can’t afford. You should’ve not resign from the job because you don’t want to work 9-5 under strict supervision.

[@easyveganfoodie]

@@sweetdreams1711 I get what you’re saying but I really think that in this situation this is the best advice. If they move to Calgary or anywhere else, they will need to sell their home, buy another home, hire movers for a cross country move, all of this costs a lot of money. They would be spending at least ten thousand dollars. But if they decide to rent out their spare room or just manage their expenses then they will be okay because this is only temporary, the interest rates will go back down. You also have to consider that moving is a huge life change and her husband would have to find a new job also which is tough in this economy.

[@stefandavidson5954]

Yup all the new furniture, kitchen remodel and gym build out and travelling to india i am sure is more than 10k cad in two months. Learn to save and stop spending more than you earn then complain your broke. Its dumb

[@nusratfatma]

My two cents. Stay where you are and learn to budget and spent wisely ! And you will make it ! 1. Oakville is nice. And close to Toronto where the jobs are plenty as compared to other places. 2. Weather in GTA is definitely better as compared to Calgary. 3. You won’t make a lot of money from selling the house considering the market and selling costs. There is a line between splurging and living your life. Try to find a balance. Lastly, it doesn’t come across nice to your audience complaining about money where you live in a great neighborhood, buy super expensive stuff.

[@ramneetkaurchatha2551]

We are also in this confusion from last 5 months but we finally decided to move to calgary as we dont want to regret it later that we could have move at that time.We wannna give try

[@rajneellion]

Such a hard decision but I know you will make the right one when it comes to your future arms growth and I also think you can always come back if things didn’t work out the best or interest rates go down in the up coming future, you got this ❤

[@saiyadazaidi9674]

Hey I live here in north york, Ontario I think you should buy a place with basement to be rented out as well Windsor is also good .

[@imeenakshiiyer]

yayyy Am also moving to Calgary. Hope to see your videos of Calgary

[@FirdousTech]

Wow Pooja really loved this video!🔥🔥🔥🔥 really love your vlogs keep it up !

[@Shamsithaca]

Also think of Windsor as another option, or even PEI, or just a year out in the Carrb.

[@AvisMama]

We moved from ontario to calgary in 2021, honestly we like peaceful life ,have a son so its perfect to raise a family. Calgary is a slow city,not as happening as toronto but one get use to it slowly and gradually, it totally depends on ur priorirty, calgary is beautiful indeed. It is rhe sunniest city of canada,everyday u get sunshine.. Calgary is slow for sure..think before you come..u decide u want to enjoy the hustle bustle or save money, choice is urs

[@SMFN18]

Consider moving to Ottawa. We recently moved from Toronto to Ottawa, and we are loving it here. We actually like the summers better here. Also, the winters are not that bad-just a tad bit colder than Toronto, but nothing major. My husband and I are both working professionals (in the same age group as you, with no kids) and had absolutely no issues getting jobs here. In fact, finding a job in Ottawa was much quicker due to less competition. Toronto is simply overcrowded because it's a hot destination for immigrants.

[@bf263]

We too took the same step too it's good for families. However I miss the desi stores the ones here are very basic 😅

[@rajatchanana2379]

We are also planning to go their

[@sshoba99]

I moved to Ottawa form Toronto and really loved it here too. House prices aren’t that high yet but eventually it will be . It’s developing rapidly . Give it a thought Pooja

[@rajatm2]

@@rajatchanana2379 hi namesake 😅

[@bf263]

@@sshoba99 Have you managed to get a family doctor here I am struggling for the past 6 months. It was way easy to find one in GTA. Medical system is totally crippled in Ottawa.

[@timgeorge4450]

Economics suggests consumption smoothing. Its easy to spend money you don't need but difficult when you need money you don't have. Yolo sounds good but you need to save for rainy days

[@alienguestl3765]

I feel she just made all this up since she was running out of Content Material. 😂😂

[@lindadrinks-johnson1904]

No, she’s in debt and need your money😂

[@matrixsmarther2325]

Yeah, it's click bait

[@lindadrinks-johnson1904]

Running out of money 😂

[@ryana8232]

I have been living in Canada for 45 years you must realize to gain the best in life you have to take in short term pain or else you will struggle all your life you are literally living in the best suburb in Canada in terms of your capital growth and future value of your house so don’t even move to Calgary.

[@nanabaiden9756]

8:44 Yes. Please do a tour of downtown Oakville.

[@rosegirl9874]

I lived in Calgary, it’s a beautiful place to live. The snow is extreme but it comes with the sun. Also, you get chinooks which are warm sunny days that randomly pop up in the winter. Calgary has a better standard of living, people have better houses, cars, and eat out more. There are good restaurants.

[@rosegirl9874]

I also didn’t find Calgary boring and I live in Vancouver

[@SaiM02]

I dont know about moving somewhere else but pls be aware of the thing that all the profit you make by selling your stuff here will easily be vanished in no time. As they say, "paisa paani ki tarah hota hai, kab khatam ho jaaye pata bhi nahi chalega". So i think, its better you stay at same place and think of multiple business opportunities/part time job or anything else to add to your income.. Also, if you could manage or cut down your daily little expenses, that will make a huge difference at the end of the day. Lastly, dont stress but plan wisely and stay happy❤

[@HarpreetKaur-cu5hd]

Come to winnipeg. Its beautiful here in south winnipeg.. houses start here from 1 lac.. alberta everyone is moving.. here weather is 4 months bad but summers are beautiful❤

[@hamnaghazal508]

You can definitely save if you know how to. People who are really interested in saving doesn't spend money like you do on unnecessary stuff and alot of vacations.

[@rohanutep81]

Do they think they will listen to your advice 😂?

[@unbox10]

Hi Pooja, me and my wife were also discussing the same last week and we were also in oakville downtown lakeshore yesterday thinking the same. We ran some analytics and finally decided to move to east end of toronto considering the living cost, jobs and opportunities here in GTA. Believe me, there are still good properties to buy under 800k. To us, oakville is definitely our final destination but only once we have huge pockets. :)

[@izzy0903]

Could u share some links

[@rohanutep81]

What are you going to do for huge pockets?😂

[@zackvanderauwera7989]

Calgary is a great city, but like your friend said - not a whole lot going on. I've moved from Toronto to Calgary and have loved each moment - especially the winter :p

[@aaykay4060]

There is a lot going on if you are adventurous and get out of your comfort zone.

[@danwickramasinghe4744]

Cities to mover: Ottawa, Windsor, Edmonton, Regina (bit remote but good)

[@user-qg1hu3hg2x]

Everyone in Canada is feeling this burn right now..we are also on variable rate .we tried with renting out a room and it helps...it's a phase..it will pass..hang in there..

[@misscappuccino5920]

for two people your house is a huge peloton, vacation, you always buy expensive clothes and eat outside we ordinary people in Canada don't even dare to spend half as much as you are doing. but this is the first time Pooja you came out honest with the living expenses and I love it. I am going through the same condition and I can feel it, inflation don't even let me eat three

[@neerajsetia9690]

Arey lagta hai apko coffee pasand hai bahut Capuchina ji

[@hargun.singhh]

@@neerajsetia9690 aur Sethiji aap kaise ho? Kaha rehte ho Aaj kal?

[@Ruhi-284]

There are so many people and youtubers also. Who literally left Toronto or GTA and literally moved to Edmonton or calgary. And its not like alberta is not a happening place….. my husband is a canadian citizen and a edmentonion…. And yes winter sucks but every other thing is better. At least uh will get mental peace and also there are so many places to roam there in alberta. I m gonna move there soon and i m excited ❤ Hope you make a good decision

[@user-ys1fy8fu3m]

Hey Pooja, I know a lot of people are worried about this whole inflation and interest rates thing that's going on everywhere. But don't base your long-term decisions on this. It's not gonna stay crazy high forever. Right now, it looks like interest rates in Canada are gonna hit their peak in about six months or so. And there might just be one more rate hike of around 0.25% before they start coming down. In about two-two and a half years, they should settle back down to around 3.5% or so. And your mortgage payments will become easier to handle by then. ( I work in investments so that you know I am not pulling this from thin air 🙂). Thought you'd feel better knowing all this.

[@ankitaahuja111]

Do you think the mortgage rate will come back to normal by 2025?

[@user-ys1fy8fu3m]

@@ankitaahuja111 Investment markets are currently pricing in rates to peak at about 4.75% for Canada. Which is a central bank rate. Off course, your mortgage rate will be about 15% to 2.0% higher than this because your bank has to make money; the central bank rate is expected to fall to 3.5% in two years' time, and by the end of 2026, it is expected to fall just under 3.0%. Once central bank rates fall, if you are on a variable rate, it should fall (maybe with a bit of delay) as well. Your bank could be still greedy and might not pass on the full savings, but yes, they should fall. Having said that, it is very difficult to see them falling back to, say 2019-2020 levels.

[@AhriGames]

No it does not.this recession is way different.

[@aaykay4060]

@@ankitaahuja111this is normal if you look at the average rate over the last 3 decades or so. The low rates after Covid were an anomaly.

[@rose-oc2ri]

I enjoyed ur vlog

[@ru50066]

Whitby houses are expensive..I live in Oshawa and neighbourhood is really good..bjt same thing ..interest hike is everywhere and also the house prices are not that low..but selling your house in this market won’t be good idea specially when you have invested extra in house renovations..if you can wait then you should wait

[@gaurang3021]

just have patience,2023 is bad for all of us. The best way right now is to sell out this house and come back to condo for sometime(in case if ur pocket is so tight). I believe you wont be in loss. N next time when you buy new house- my advise is to have rentable income thru your basement. I bought a condo in 550k at the same time when you bought your townhouse. I did make equity of 100k and now moving out to a rentable house.. Everything should come step by step and we all learn from our mistakes. Buying house in Canada is just like changing cloths. Jyada dil se lagaane ki zarurat nahi hai❤

[@khurramanis2626]

Make a move to west from you- burlington, Hamilton, or in North to Cambridge, Kitchener Waterloo area. You can buy a same size house for lesser amount or you can buy a bigger house with basement unit, so you can earn rental income! All the best!

[@positive_neutron1351]

10:17 😂😂 they did it as expected 😂😂& maybe they didn't like that pan shopping also😂

[@robbinsethi7476]

Guys!! We live very close to you in Mississauga near Brar sweets & our other home is in Chandigarh, Sector 18 A so I believe close to your Chandigarh home. We really love your content and are moving to Calgary, Alberta on July 1st this year. My sincere suggestion: Sell your beautiful GTA home & buy a similar beautiful home in Calgary to cut your mortgage payments into half. Calgary is sooo beautiful, close to Banff, Jasper National park, closer to Vancouver and so much more affordable and quite exciting too. And as far as cold is concerned, I think people just hype it.

[@nitika008]

Hi peekaboo. I can totally relate with you and understand all this chaos going in your mind to make a move. Moving is definitely not a easy task and it requires thorough understanding of all pros & cons and then coming to a right decision. Me and my family moved from New Zealand to Canada 15 years ago. But next month we are moving back to our home country ( NZ) after a through conclusion and discussion. Canada inflation has gone over the limit & we can’t ignore the weather. In the end we all do what works best for us. All the best.

[@HarpreetKaur-cu5hd]

People saying save and cut expenses.. they dont know😂 i dont know where money goes . We even dont buy expenses stuff

[@JOHNMARK-vr5qz]

Hey, I moved from living in Toronto's core downtown for years to Calgary. And for me, it was the best decision ever. 1. Winters - Yes, people think winters are crazy in Calgary.. but honestly, it's not. Calgary is dry, so the winters are a lot more bearable(Comparison: -15 in Toronto is comparable to -25 in Calgary). 2. Love the sun: It's super sunny. 300 days of the sun makes winters enjoyable and fun (super sunny winners, not gloomy). And don't forget the chinooks; for every 1 week of -20, there would be 3 to 4 for +5. 3. Things to do in Calgary - There are very few downtown things to do in Calgary (Especially if you compare to Toronto) But tons and tons of outdoorsy things to do (If you don't like outdoor stuff, that's a different story). 4. Friendlier people - People are more helpful and friendlier here than in Toronto. Strangers would stop, take time and chat with you. Your neighbors know you and look out for you. 5. Cost of living - Lower tax (5% vs. 13%), Cheaper housing, and Food prices at restaurants might be the same, but the portion is huge (But this is subjective). 6. Jobs - Yes, moving with a job is advisable. There are definitely fewer opportunities as compared to Toronto. But it depends on which sector. and things are improving. BTW, oil and gas also have IT openings. 7. Pace of life - It's peaceful; some people like it, others hate it. But it depends on what you value more. Note: If you are thinking about Calgary only because it's cheap, you might eventually regret your decision. Think about what you enjoy and value more. All the best

[@beantaulakh3764]

I moved from toronto to calgary and its realy a lovely city… good downtown… cheap houses, closer to mountains, even the weather is not much bad… only one week of hard winter.. less traffic beautiful summer… you will make less money still save more

[@ankitaahuja111]

Moving to Calgary May not solve all of your problems. Or in other words might solve one problem and arise two new problems. You should considering selling your current place and buy a place in oshwa or Hamilton with basement. Rent the basement to cover some part of mortgage.

[@Shamsithaca]

I hear you! Depending on the followers in Canada, maybe do a small token paid Q & A signing session in person? As for inflation, yes its really hurting, but it helps to cut down on additional costs, as for moving to Calgary, I think there is some misconception on their winters, its less dark there, the sun always shines through many cold winter days, lots of winter based fun things...like watching northern lights, polar bear watching, living in a Yurt etc (although thats even further north). Someone I know is moving away from Canada, cheaper to move to somewhere in Caribbean since they work remotely anyway and you can still do your videos from there...rent out ur place for that time? Maybe even get a housemate if u have an extra bedroom, will help cover costs.

[@srivatsa1193]

Selling the house might be a tedious and enervating affair. Before making a final decision to move out, you can consider getting a second job or finding any other way to create an additional stream of income in the short run. Also, you could try and make some lifestyle changes and curb your spending at least for a short while - a year or 2 until the recession passes. It is true that you will not get to live life the way you want, but nevertheless, it would be a sacrifice that you should make for a short while so that it leads to a better future. Now, from what I've seen from your vlogs, I would say that there has been amazing progress in terms of experiences, and lifestyle. Nonetheless, these are dire circumstances, the recession may pass soon but what's to say there won't be another hit to the economy because of all the geopolitical tensions around the world. Hence, I would ask you to also be dynamic and learn about day trading, investing, and wealth building in general. Best of luck to both of you!

[@harjindersingh1323]

soo excited to watch this video🥺 love youu so much🤎 consistent poo is the best hehehe🤗

[@BhavyaKaur]

I cannot believe you self shot this video😮😮😮 The effort!!!!! ♥️♥️♥️

[@UnitedCanuck]

The Trudeau government has destroyed nice Canada. Next year i am selling everything and moving back to my birth country. Cost of living is 1/3 that of Canada and the coldest it gets is 15 degrees. My advice? Cut your losses and move back with your family to India. Do your videos from India. You already have a huge following. Good luck.

[@kavitarajkumar2877]

Agreed ! Move back to India

[@pujanavghare1752]

Her: talking about expenses and cost cuttings, Also her: shopping at the end of the video😅

[@rohanutep81]

😂😂😂

[@neeharikachowdary9294]

How do u shoot ur videos ? Ex u r crossing the road So do u place ur camera/tripod on the road and then start walkin

[@lindadrinks-johnson1904]

HUSBAND

[@sweetdreams1711]

you can give part of your home on rent like where you have your studio if you rent it out to 2 student you can get atlest $1200

[@stephincanada4013]

Hi pooja!! This is my first time commenting on your video but ive been watching you since you started your channel! When i saw the thumbnail i had a hunch that alberta will be one of your options!! I am so excited for this news since i live in edmonton. I am always inspired by your content. If you move to calgary i hope to see you there! 😊❤

[@Anjali-pn9lh]

Book a airbnb and stay in Calgary in the winter and falls and summer and decide it

[@aaykay4060]

Talk to your bank and see if you can switch to a fixed rate? My sister switched her variable to a fixed recently. When you get a variable rate you need to be prepared to pay more if rates go up. That’s a gamble you take.

[@thesoulogger]

I think the wise thing to do will be to not move and control the expenses. You will move then you will do shopping for the other house and on and on its a vicious Circle.. maybe explore your earning avenues since you work as a freelancer.

[@kusumaprakash]

Do what you think is best all the best take care

[@dailynews44]

Peekapoo 💗 This video makes me emotional Poo its life and i think we can't take anything with us ✨ I agree with the thought of moving to different city Practical decision

[@vishenrampersad5627]

Can totally relate! Even concert tickets are unaffordable. But you will miss your lovely shops! You are a creative person & Oakville seems so suited to you. Try and find ways to work around your budget & stay 🙂

[@aishabinttila5059]

You should be able to pay off your interest and some of your principle amount, before you spend money on things that are not your needs(expensive food, expensive clothes, expensive trips) atleast for a year or two.. pay as much as you can with strict budget... It will help you in futue

[@kunjraval4698]

I moved from Calgary to Toronto last year. It is pretty affordable over there on minimum wage too. Yes that city has very boring vibe and not that much growth in terms of job.

[@rhaulsparrow6644]

its unsustainable living circumstances for the bulk of society and im afraid were on the onset of a major economic crash

[@kamranhaidertunio]

Its every expensive everywhere in Canada right now regardless of whether you are in Ontario or Alberta. I live in Calgary. Just a heads up finding a good paying job in Calgary won't be easy. So even though your expenses might go down a bit most probably your income will take a hit too. I have over 10 years of overseas experience in Oil and Gas but yet have struggle to find a job. On top of that rental has increased significantly as well compared to a year or two ago. I am sure you will consider all the pros and cons before moving.

[@GeeM216]

I beg to differ Pooja! I have been living in Calgary for two and half years and i love it! It’s such a beautiful city and Alberta in general the scenery is spectacular. I started watching your channel before i moved to Canada and Ontario was a NO for me. I am not into big cities so that was the main reason so you may find Calgary laid back. I love winters here, no matter the temps most days are always SUNNY. I will take sun during winter anytime! I love Calgary, periodT 😊 Consider visiting first before you make that big change.

[@sreeraj1980]

I am in Calgary too! I love it!

[@gaganpawar9677]

I agree . Just moved to Calgary recently. I love this city

[@aaykay4060]

If I were to move to a large city in Canada I would choose Calgary in an instant. But I kind of like smaller towns now.

[@beastodiariesincanada]

Feel you!🥹 the struggle is real

[@abhicarter9528]

Just an observation: The aesthetic Life you’re living is definitely expensive. Trust me I’m a developer make about 250k/yr + have equity. If my partner starts spending like you I’d divorce her. Also, its noticeable and can be clearly seen your partner’s not happy several times in the video. Just love each other and be real that would help you connect with your audience better. As, you have subscribers but not engaging audience. That said it’s just my observation seeing all your videos.

[@hitaxipatel9571]

Where did you bought that cord set that you wear in this video

[@kahkashanhashmi8040]

My cousin lives in Calgary and she says GTA is very cheap in all things like grocery, insurance only house is cheap for buying in calgary but the life is too boring for nothing to do much there.

[@roshnidhalpe4791]

Hi Peekapoo!! It is wise to move to Calgary. My husband and I, we moved to Calgary from Toronto and we have loved every moment of it. It is not too crowded and Calgary is surrounded by beautiful mountains and lakes, where we spend our time during weekends in summer. And it’s a myth that weather conditions here are harsh. It is no at all windy like Toronto. Since Calgary is surrounded by mountains, we receive warm winds here in winter due to which the temperature goes to positive degrees in winters!! We also recently bought a house on the hills in Calgary. It is worth it!! The house buying process was very smooth. Let us know if you need more information. Thanks.

[@madhavaraobheesetti]

which one is better Calgary or Edmonton ?

[@tabita522]

Have you heard of sault ste Marie it's reasonable to live and also it's very beautiful

[@WanderingTogether]

You have to see Vancouver, it's soooo expensive 😫

[@AskPulkit]

You should sell, but now. You will not get even the price you paid for. When you buy again, look for fixed rate interest. Variable interest rates are a trap.

[@sadhanamohapatra8645]

You can move to barrie. It's a beautiful city, me and my husband we both work in Toronto, there is no issues in traveling there is direct go train. And this city is much better than GTA area

[@saishavaidya]

Rather than the extreme of Calgary ( which puts you further away from India!) Ottawa or Montreal are better options. We lived in Toronto for 14 years and Ottawa for last 13..a bit boring here..but we drive down to Montreal or Toronto anytime we want..mainly day trips. Calgary not so good idea!

[@jayashreeprabhu9989]

Please cut your expenses..try to be simple... wherever you go and if you spend unnecessary you won't save even single dollar.. whether it is Toronto, Calgary, Montreal or Vancouver.I am also in Toronto at present with my son.. It is a beautiful city...save.....save....

[@nasarulislam1140]

I live in Oshawa. It's good for Students (Ontario Tech University/ Durham College) But, there are a lot of Homeless people in Downtown Oshawa. North Oshawa is fine though. Whitby is good.

[@wojciechbogucki7099]

The first thing is being on a variable rate specially this time it is just crazy unless you ahve not overshooted with your mortgage payments in terms how bug they are compared to your income. As of now you can get a fixed rate for about 4.8% which I think it is good. You can try to refinance your mortgage with another bank like CIBC and get it fixed for 5 years. Also it is good to make some once off payments during the year to reduce the interest overpayment etc. Alberta is nice, in terms of jobs it is also good. We are in New Brunswick at the moment and a lot of people are moving to this province. You might consider this as well. This is why when you take your mortgage you have to also take into consideration things that might happen in the future including broken economy etc. A lot of people are maxing out on their mortgages and they can barely afforded once things will go bad :(

[@rafiyaaaa_islam4999]

u are amazing i just love you

[@Anjali-pn9lh]

The other option is if you have citizenship, then move to USA temporarily and save money and come back. Or move to Singapore, Dubai temporarily and save money and comeback.

[@pathetics7156]

Keep up your spirits This is only a small chellange which bo of you can resolve with addional efforts

[@shambhavisingh7832]

I think you guys should wait some more time … I am a student .. I am living in Brampton and its very expensive for me … but still we have a lot of opportunities in GTA…