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

[@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

[@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.

[@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]

😂

[@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 😂

[@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.

[@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?

[@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.

[@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

[@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

[@adi18065]

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

[@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.

[@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

[@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.

[@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.

[@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.

[@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.

[@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❤

[@Godsbelovedchild]

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

[@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.

[@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.

[@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 😂?

[@HappymomentsINCA]

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

[@TheZubairShorts]

You're editing is awesome

[@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

[@Disturbed007]

Arey lagta hai apko coffee pasand hai bahut Capuchina ji

[@hargun.singhh]

@@Disturbed007 aur Sethiji aap kaise ho? Kaha rehte ho Aaj kal?

[@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

[@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.

[@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.

[@hydra_trading]

You're just a FINANCIAL ILLITERATE. I know you are rich from family and the harsh truth is that you can't even earn on your own, if you've money problems when you aren't even earning it yourself. If you had to earn money yourself you just CAN'T! Because tumhare parents ne tumko bachpan se sir pe utha ke rkha hai aur tumko aisa lgta h paise to aisehi kamalege but jb schme kamana padega fir rote rote baap ke paas hi paise maangne jaana padega

[@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.

[@suritisoni]

You should have bought a small house or a condo I mean you have spend so much on your kitchen and other things and now selling it just look like a poor financial decision. Secondly, you should get a job as well to help in mortgage if not then making full time vlogs aren’t enough. Doing full time should be like using multiple platforms yt shorts, lifestyle vlogging, instagram, tiktok, Facebook, sponsorships and so one.. this is what full time bloggers doing these days.

[@lindadrinks-johnson1904]

She needs full time employment instead of scamming us hard working people to give her money like setting up Gofundme and cash app. OPPORTUNIST and don’t want to work. VERY LAZY

[@MrTommyfi]

How about moving to India it’s cheaper I heard

[@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

[@anitadhall1520]

DO NOT STAND ON ROCKS AT LAKE. I RECENTLY SAW A CANADA KZbinR LADY SUDDENLY SLIPPED AND FELL HALF IN WATER. HER BACK WAS SERIOUSLY HURT. HER HUSBAND WAS THERE , HE SAVED HER.

[@kaduvananu]

If you are not rich you will never buy house in oakville. I was in oakville for 4 years. Oakville is most expensive place. There are many small cities . Not a big deal

[@Amit-y3t8x]

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?

[@Amit-y3t8x]

@@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.

[@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

[@pukitkapoor]

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.

[@sonalirnahar_rohan]

Instead of selling your dream house , why don’t you try to increase your income by joining a job ! So all your requirements will be fulfilled!

[@lindadrinks-johnson1904]

Everyone is telling to get a job. She knows a job is needed. She’s LAZY and want a Gofundme, cash app, and Zelle to support her life style because she is in debt. 😂

[@Anjali-pn9lh]

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

[@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!

[@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 😂

[@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.

[@diaramnoruth1272]

Y u stay in canada thn??wht is holding you there?

[@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....

[@Umarkhan92538]

I am giving u an honest afvice. Think wise and think like a business man. I had two houses in canada of my own. And i rented out ine house. Still i am paying the mortgage and inflation was so high. I sold the bith houses. And moved ti totomto and got a condo again. I am saving money now and enjoying ky life. And sending all that money back home. And travel around the world. Enjoy lixuary. And made a huge properties in india. Dont ever buy your own house in canada.

[@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.

[@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.

[@Youngblood22336]

Last year, I stayed 3 months in Delhi, 2 months in Calgary and I live full time in Toronto. Truth is, best quality of life is in India and it is getting better. The quality of immigration in Canada is getting worse and things are going to get much worse before they get better. The BOC and the US Fed want to increase unemployment first and then cut interest rates sometime in 2024. So, to rank 1) Delhi 2) Toronto 3) Calgary - cheap houses, but it's ideal when you are 45 years old and just want to chill with family. Apart from the house, everything else is more expensive- food, insurance, weather, parking etc.. Delhi and Toronto have much better job opportunities and frankly Delhi just has more quality competition. So I would suggest to probably find a nice rental place (and sell home) or go through the high inflation storm of 2 years in Toronto. Canada will follow the US on rates, and the US will use a hop on policy i.e. rate increase every second meeting going forward (june- no hike, next meeting increase due to new employment and inflation numbers)

[@j.tt.4877]

Delhi really? It doesn't even have clean air.

[@rohanutep81]

Do you think they will go back to India after living in Australia and Canada?

[@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

[@tanmayrgup]

This house is just too big for 2 people. You could have just bought a small condo. Sell this house and stay on rent anywhere you go. No need for geographical limitation at this young age or a big financial drain on you guys.

[@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.

[@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

[@fortunate100]

you have spent too much money on kitchen renovation, gym, house . work space , if you move to calgary you have to sell your stuff at a cheaper price , because you buy everything new ,

[@hareram-g]

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

[@MsSandyyy123]

Like many others in the comment section, cut down on the freaking expenses that you do on a daily basis and you would easily save a lot. Rather than spending so much in creating a aesthetic gym you could have joined a real gym and yes give this out on rent or airbnb.

[@Peekapoo]

I never said we are miserable living here. I still can afford going out, paying my monthly expenses, shop, travel and everything but WHAT I MENTIONED HERE IS THE VALUE FOR MONEY AND THINKING ABOUT THE FUTURE. We can afford what you see here and that' s why we do it. Our credit cards are always paid off every month. But with the recent interest rate hikes, we had a thought of probably exploring calgary as an option only for one thing - VALUE FOR MONEY. You get value for money there right, compare the houses what you get in the GTA vs calgary. Much better options. Although. we can still continue to live here in ontario but sometimes we think why not make our lives stress free by having low monthly housing costs. AND THAT IS THE TRUTH. Our current situation is fine too- I can still do what I want but sometimes calgary as an option is tempting too. AND WHAT'S WRONG IN EXPLORING? We might be able to live the same life but with better value for money and more savings. What's the harm there? Also building gym was important for us and our lifestyle so we did it and since then i have been able to take care of my health- isn't that great?

[@srmashwani]

It was not a SMART decision at all to get a variable interest rate mortgage. I’m surprised you didn’t even research a little. Economy was going down with high inflation since last 1 year. No body in their senses will go for variable interest rates

[@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.

[@pujanavghare1752]

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

[@rohanutep81]

😂😂😂

[@amargadhia7516]

Key is start working, use your youtube as passive income. High interest rates cannot sustain and will eventually fall. Stay put, avoid exorbitant spending, and things should be good.

[@anishamaster5256]

I think they know wht to do and its already decided either they gonna move or sell the house o what not.. you guys spend a lot of money on your home gym, kitchen renovation wher you could have save those money.Every other volg is related to shopping or going on vacation.If you cant afford then why you spend so much.I really enjoyed watching you at the beginning but not anymore..it looks so dreamy not reality..sorry to say I watch many vlogger but never seen like you who spends more than she earn😂😂😂and then talk about expense and not surviving..

[@lakmina2002]

without sell your house, try to rent it, and go Calgary. if you can cover high portipn of money from renting ur house you can keep the house in toronto while you living calgery

[@asadb1990]

Yeah so true. Thats my plan as well to try and buy a house in gta and rent it out and come back when my pay can be much higher. Gta culture is unique in canada.

[@ani_ds12]

I think the biggest reason for the current situation of first time home buyers is bank of Canada's inability to react faster. All incorrect signals and signs in the last 3 years. The current generation is literally screwed, by the BOC and the govt. Half of the salary is taken by the former and the other half by the latter

[@rahulghosh2413]

Ride out 2 years...stop listening to realtors. It will get much worse but interest rate will likely not rise. Don't sell and buy now unless you are clearing +ve equity after realtor fee. Also factor in time cost of moving, moving cost, relocation cost etc. those add up.

[@soni-soni]

A suggestion. Ur lower floor where ur study is u can rent it out as a one bedroom and cover all ur extra expenses. U two can keep the upper portion to ur self. U can put a door to close up the upper level.

[@rohanutep81]

They won’t rent out they want privacy 😂😂😂

[@Farhan.DucatiS1k]

Stop going to winners and coffee shops get a side hustle inflation rates are going to keep going higher and will stay there for a long time. Interest rates have been artificially low since 2008 and a lot of people bought things that they cannot afford. Now it’s time to pay the rooster 🐔 try changing to a fixed rate although in. Canada it resets every 5 years and date will be even higher.. best thing to do is that side second job or just sell and rent ..

[@hemamaliniananthkumar5587]

Pooja inflation is everywhere , but saranj already has a job here. So it is not a wise decison to move on from a city like Ontario. Same happens in UAE , eventhough dubai is more expensive than others emirates people who are living in dubai just don't want to move to other emirates for the lifestyle it offers. So try to increase your income if possible and eventually you can overcome this inflation.

[@NIRAJKUMAR-ji7ck]

Please don't expect the interest rate to come down any time soon. discuss with your mortgage broker and make a wise decision. Your amortization might have extended like anything with nothing much going into principal. Also, consider selling your house (the spring market had a dead cat bounce and was a good opportunity to sell). Canada is overdebted and money is concentrated only on one asset class (real estate) and no investment in the real economy. Wages have stagnated and quality of life is degrading quickly. Unfortunately, a deep recession would be unavoidable. I would recommend you to learn what's happening in the macro economy and Twitter is a great place to follow.

[@smitaprakash-m8q]

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..

[@dazzelpebbels1207]

I would say maybe find a part time job or find a professional job during the day, that you are qualified to work in depending on your education. Then try to figure out a way to balance your daytime job with YT. I think that could really work well. I know many YT do it full time but they do also have hundreds of thousands or millions of followers and other forms of Social media, such as Instagram and TikTok that make their earnings quite high to be able to focus just on YT full time. Also, you are only making about one video a week vs pumping out content three times a week, so finding a part/full time job during the day should be manageable.

[@lindadrinks-johnson1904]

She needs full time employment and husband needs needs permanent job with benefits.

[@geetasuresh405]

Pooja you want the butter and the money of the butter both, know what you want happening city in which case you need to reassess your lifestyle or cheaper boring place as simple everyone does these calculations and take such decisions everyday not because you have just a little fame that makes you more special or like a big struggle which all of us face on a daily basis! And work harder don't just sit at home making videos there are plenty like you in Toronto working full time and vlogging so they can make ends meet such as chit chat with Shilpa he rented her basement you want gym also that's why people are rightfully advising you but it's clear from your video that followed that you can't hear what you don't want to which is work!!! That too coming from India where people die working in the sun rickshaw, food vendors, sabziwaala, everyone. How can you even complain with all you have? Like you are saying move to a cheap place if you wish but don't live a lavish life and at the same time, even if you don't say you are misserable, sound like one!

[@laurakatona8850]

I am sorry but I have to be honest! You have a big house in Oakville! Maybe move to a smaller one - it is just you two right now- maybe a smaller condo or even a house is enough. You can buy second hand furniture and could do fasting to loose weight and save money at the same time! You have very expensive taste 🤩- which is okay, but maybe just spend less and think about cheaper options. You could rent out your rooms too for the time being! Or have a main job part time and do youtube as your second income! There are many ways to save money… some of us have 2-3-4 kids and still can save. I am sorry - no judgement from my side but please don’t complain about being broke because it is very disappointing to see😢

[@larissagonzagaf]

don't do it, it's not worth it. it's not worth going to a place just on your own and changing your whole lifestyle, if you don't like the toronto winter you won't be able to stand the calgary one. if you plan more and try to live more economically and everything will work out, inflation is also affecting calgary, it is not worth changing everything for almost nothing.

[@rohanutep81]

Exactly it’s not a magic wand as people think relocating to Calgary

[@supz26]

Yes interest rate are hiking and we are all worried but before you blame the country curb your spending habits , you returned boxes full of clothes at different stores before making India trip that really showed how you guys were trying to balance the air ticket purchase by taking refund from clothes . You cannot live here king size as there is no division of labour , you work hard for your money here and spend with a ‘need’ and ‘want’ formula, no where in Canada is right now cheap anymore even the rural areas as inflation has affected every nook and corner

[@burhankunda_]

I just watch your this video, i really liked your videos. I also live in Oakville and my advise is dont sell your house. There is a big possibility interest rate going to decrease this year and 1 percent for sure in 2024. So first option is stay here . Option 2 : Rent out oakville and you urself go on rent somwhere else. The benefit is you will keep your house in oakville which will have an excellent price gain while you go to waterloo on rent and whatever rent you get from oakville house you can get half of rent in two bedroom appartment for only 3 years until rate down and prices up and then you come back. Never ever sell your oakville house if you do thsi you will never ever able to buy this. This house is a ticket in long term so use this house as investment property and you urself go on rent Thank you Burhan

[@andyjhurry6743]

Hi Pooja, your video is contradictory with your lifestyle. Normal immigrants can't afford expensive stuffs like yours and each partner has to work to earn a decent living and pay the bills. You are lucky that your family supports you..at this age! It seems also that you have just woke up and realise the issue with the variable interest rate. It is probably nearing its end when you are now waking up. It's not a new subject at all and everybody is feeling it.. Since very long time ago.

[@lindadrinks-johnson1904]

She should’ve consult with an attorney before buying the condo. He would’ve told her to stay in her apt because her and her husband’s income as a contractor isn’t stable and it fluctuates.

[@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.

[@AvisekhKumar-g6p]

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.😊

[@navjotheerRealEstate]

You will never like it in Calgary special moving from Ontario.Think of affordable cities in Ontario like Kitchener-waterloo- Cambridge or London and the list is long. I am a realtor myself and have clients move to Calgary from Ontario and then came back cz of dull life and nothing to do. I know people in Calgary will say it’s the best cz they either never lived in a big cities and let me tell you Ontario has huge population and great opportunities for anything you can think of where as Calgary is just equivalent to Brampton & Mississauga and its over.There are many ways to get from this situation but moving out of the province is not the best. If possible switch you mortgage to 3 yrs fixed with rates around 4.6% and many more options. Let me know if you need to browse more options.

[@anitakotvalourlifeingermany]

Before moving especially since the jobs are few why don't you look at all your variable expenses and maybe cut down on unnecessary things for a few years. Maybe you could start work again...The best way to cut down on expenses is to concentrate on fitness and take up learning something online... from KZbin that is free...

[@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❤

[@roycetonis]

I commend you courage to speak up about this. You should move away from making life style videos (expensive) to doing other creative videos which can be less of an upfront investment. Rent out a part of your house for a year to get some income, and then prepare for the future, Selling the house now will prove to be more expensive in a cooling market.

[@rohanutep81]

The condo townhouse cannot be rented if it does not have separate entrance more one cannot make a legal basement in a condo townhouse

[@HKallioGoblin]

Housing is too flat, and wide. Idea is to build higher, and accommodate gigantic amount of people close to citycenters in very affordable way.

[@cynthia7924]

Sure ..its a sliding scale ..my vehicles are parked off..and I don't drink coffee anymore ..so I can afford to still feed my dogs well .We have rich people in Greyton called Swallows ..when the bad seasons come ..they just fly overseas and continue to enjoy summer .It will be tragic if they had to endure winter here like most locals do every year .. especially with load shedding and gas shortages etc ..they might actually suffer a cold if wood runs short too .Migrate permanently?

[@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.

[@lucas-uq1vr]

'My own city oakville' got me amused 1:37

[@Jasmeetpable]

Hey Pooja I’m 21 years old living in Toronto. Did my bachelors here and working in a top 5 banks with good amount of pay. Now recently my parents had visited me and they are young (in their 40s), they HATED Canada and would not like to settle here. They are forcing me to come back as we live in Mumbai (we have our own big houses, well settled business and cars and what not!) I have decided to earn here for quite some time take all the money ( which I have spend here on education and buy a apartment in India) and settle there. Rather than working here pay cheque to pay cheque why not work hard there (keeping in mind that if recession ever hit hard, in Toronto I will be lay off and then most probably I will not be able to pay my rent and expenses) where as I’in India atleast my dad is there to support me. In 3.5years I have realized that INDIA IS THE BEST COUNTRY. Canada is just the hype and working your ass off here, where government will never want you to be rich here. Rental price is sky rocketing, food price is going up. In India atleast you can afford to eat despite earning very less, not possible in Canada.

[@nakulsridhar]

what was the point of this comment

[@UnitedCanuck]

Do it. Canada sucks.

[@rashijoshi9106]

You know what? You just love India and hate canada because you have very well settled life in India. As you said the business, cars and what not. You're just not used to the struggle.Let's be real if you're going to a new country and starting from scratch it is not going to be fairytale. To be honest canada is not for people like you. I think only people moving out of India for better standard of living understand the worth of canada. You're still in your comfort zone. No offence, just my opinion. Hope you have the best you have decided for your future.

[@pujanavghare1752]

​​@@rashijoshi9106 high standard of living for what cost!? How can u say for someone who left a lavish life and settled in this country managing everything on his own!? I have family members who're Canadian citizens also in Europe and i have been there. And I've heard and felt myself that it's a hype! i agree with his point... Right now, India is the best country to live! If you plan well and work hard here you can have that lifestyle here plus u have ur culture, family and frnds and everything settled here !

[@Jasmeetpable]

@@nakulsridhar the point of this comment was regarding the inflation and recessions and HARD LIFE OF CANADA. People leaving Ontario because of cost of living. Doesn’t need your comment though!

[@himanshuverma31]

You might lose money if you sell your house right now. Better talk to your bank and check the fixed rates they are offering. I switched to 5.14 fixed which actually reduces my mortgage for 3 years. Rentals are anyway going up so you would anyway end up paying whatever you think you will save after selling your house.

[@rohanutep81]

Smart move

[@nanabaiden9756]

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

[@vsxtubex]

If you can work from home, Move to St Catherines , London or Windsor

[@lindadrinks-johnson1904]

She’s LAZY and don’t want to work. She wants to live off his parents and subscribers.😂

[@SurinderSingh-nx6nt]

Pooja dear it’s your decision what to do or not but before you make any decision you have to find out what it will cost you to move from here to there . One thing I know is that you have to pay penalties on mortgage too.

[@manishamomin5131]

I moved from Calgary to Toronto 5 years ago for a business opportunity i got . Honestly i regret my decision. We really missed Calgary it so affordable and peaceful. We are not city people but love exploring nature and for that nothing better than Albera (banff, Jasper) . Winters are better than Toronto, i must say. Calgary get more snow but it doesn't feel harsh and dry and Calgary get more sunny days than any city in Canada

[@rohanutep81]

Winters are better than Toronto 😂

[@sudeepchopra8583]

5000 CAD rent deke reh rahe log. It's all interest. Better are people who are living as renter for 2500

[@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

[@jessdew9]

You should consider couponing!! I save over $200 - $500 monthly with couponing!! 😊

[@rhaulsparrow6644]

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

[@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.

[@ghorebairema]

All fake, not worth, i wasted my time. BoC is doing right job.