汽車費用你們計算小了兩大部份:1: wear and tear,汽車brake pad 和車軚 , 加上小維修。每年預算c)1400.,即使今年用不上,儲起預算,下一年可以一次維修用上1,2千。另2) 車的,replacement。一般舊車可再用上十年八年,假使下一架車budget 是一萬,十年后換,即你們現在要 budget 儲蓄another c$100. 另一般車主會購買CAA road side assistance ,每年年費約c$ 100 to c 200
@@KL-xv5gj apple to apple, 香港那個行業搵錢容易,我在港朋友:有飲食業(有打工,開店),有做accounting service,有做I banker, 有做清潔,保安,全都搵錢不容易。 相反:這邊有min pay,最近都c$15/ 16 : hour , 做commercial cleaner retirement home 做dietary aide ,現在都升到c$23/ hour. Baker or chef 約c$20/ hour 起薪。
@dovemc64527 ай бұрын
@@KyleKamTaco 對呀,改叫外賣,or 支持綱上小店。
@qip62797 ай бұрын
thanks for sharing!! as I'm moving to there this Summer, I'm trying to plan well such as how to make use of credit cards' promotions and offers, however, one RBC staff told me that when holding more credit cards will affect personal credit score, may I know is it true? how to mange it well? thanks a lot
@KyleKamTaco7 ай бұрын
The answer is both YES and NO. When applying for new credit cards, the bank will perform a hard inquiry to check your credit score. Multiple hard inquiries in a short period can temporarily lower your score. However, if you pay off your credit card bills on time, the score will recover quickly. Additionally, having multiple credit cards means your overall credit utilization will be lower, which is beneficial for building a good credit score. Good luck!
@qip62797 ай бұрын
@@KyleKamTaco much appreciated your reply, crystal clear now!!
@VAN_AS627 ай бұрын
I believe they can cut down the unnecessary dining-out ($700) and entertainment ($750) by a half, that will save more than $600 and the total monthly expenses may make it to around $4,000. Also I believe their total monthly incomes before taxes must be more than $7000. With this earning, I still really doubt they will have any saving. It is quite difficult to get a decent living in Canada in terms of financial matters. I think (please correct me if I am wrong) majority of Chinese could make less than $4000 a month, a couple who earns a total of $8000 ($6000 after income taxes and then plus to pay 12% sale taxes for any purchases) could barely make a basic living for a family of 3 or 4 without saving or travel expenses (especially trips to Asia).
@LAURA-oz8ls6 ай бұрын
I don’t know why, but Chinese people seem to particularly like eating out.
Thanks for sharing. why your tenant insurance 咁平既... 我係Toronto, 2BR condo, $350 per year. but i bought from a broker.. is online broker cheaper?
@KyleKamTaco7 ай бұрын
比較過應該上網買係最平 我哋係用square one
@hangloong12517 ай бұрын
Depends on what is included and how much liability is covered by the insurance. The premium for purchasing a $100K third party liability will be significantly different from a $1.00M. The history and age of the condo is also a factor, as the insurance costs for an older building will very likely be higher than a brand new property.
Saving: 政府每月已強迫儲蓄:cpp 供款,Ohip premium ,可能再加上employee extended health insurance, RRSP 儲蓄,(不是強迫,但有incentive,同時公司可能match) ,另EI (失業時,每兩星期有50%人工,但有ceiling ,即使高薪者Max 都是c$688 per week. )
@aprilwoo50736 ай бұрын
@@dovemc6452 Does it mean no money for extra investment? Then how could I save money for property buying?
@dovemc64526 ай бұрын
@@aprilwoo5073 besides monthly tax deduction , government has tax incentive program for savings: such as TFSA , first time home buying program .
@dovemc64526 ай бұрын
@@aprilwoo5073 一般稅後收入是稅前的七,八成。至於能否有額外的餘錢去投資或儲蓄首期,是看各人如何理財,如果以儲蓄首期為priority ,可以不租獨立單位,先租套房,可以不養車,坐公車,car pool , 不外出用膳,pack lunch,"pot luck",在這三大項支出節約。另開源:可加班或多做另一份part time. Work life balance 是指生活安定後的中產生活態度。對在生存掙扎中人群是夢想,是目標,不是必然。
@dovemc64526 ай бұрын
@@aprilwoo5073 if saving for primary residence, government has different tax incentive program for first time home buyer .
thanks Kyle & Sophia, after calculation I'm so shock too, my expenditure on food can be that high.. a 4 persons family Monthly Groceries: $700 - $800 (excludes the superstore, costco, walmart) Dining out: $900 - $1500 (every Sat & Sun lunch + dinner, sometime on weekdays) Car insurance: around $1800 x2 (2 cars). But still okay when the family has two persons working in full time. Suggestions to Save Money & generate wealth in Canada: Take advantage of Shopping Centres' Gift Cards promotion (like buy $300 get addition $25, can use in every shops in the malls), use fastfood or delivery apps' coupons to save and get points, and use the credit cards with air mile/points/cash back... Generate wealth (investments) -- try to take advantage of the first time home buyer (for citizen & PR) after the rate cut instead of spending $$$ on the rent. Utilize the RRSPs and TFSAs to benefit from tax and investment advantages...
@@stephenn88 我記得他說過他推了一份有十萬年薪的工 呢(在Downtown番工)所以有D好奇他剛剛來到加拿大(無本地經驗),都可以找到一份work from home 和咁高人工的工作(應該高過十萬年薪酬果份),哈哈。
@dovemc64527 ай бұрын
@@dicksonau9054 我有跟開他們的channel, 他們一個本是原公司transfer 來,另一個是graduated from USA, (當有北美經濟)。 Ps . 看行業,local u graduates or plus post graduate, 有七,八年expetiences,年薪八,九萬都普遍的。年薪十五,廿萬才算高薪。
@dovemc64527 ай бұрын
豐儉由人,是各人生活style 不同,不是由收入而決定。衣食住行:衣:可以每季換,亦可以三,二,一年才換。食:可以外出,亦可以在家煮食,可以多肉,亦可以素食加豆科,補充蛋白質。住:單身,兩人可以租套房,行:如果工作需要,可以不要車,可以買non- owner car insurance policy,每年由50至200元不等,有需要時租短程或長途三天租車,不用為養車,維修而煩。