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How much is your spending per month

This subreddit is a place to discuss anything related to Canadian personal finance.The topic of “personal finance” includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and canada goose clearance sale other income sources, global or national economic news and discussions, and a variety of similar topics.This includes referral links, your own blog or personal website, recommendations for users to do business with you, and also extends to PM users because of comments they made on Canada Goose Coats On Sale this subreddit. Repeated links to your personal canada goose uk shop blog or website as well as referral links may be removed without notice at the moderators discretion.4) IamAs/AMAs must be approved by modsIf you like to host an “I Am A/Ask Canada Goose Online Me Anything” (IamA/AMA) thread, you must first contact the moderators for approval. We will evaluate if your topic is suitable for the subreddidt and will set a date to avoid conflicts. Unapproved AMAs may be removed without notice at the moderator discretion.Use a mix of context, canada goose factory sale explanation, and sources in your answer. Do not just post links to other sites as an answer. If you do canada goose uk black friday believe a source fully answers a question then consider including a quote from the source.Be inquisitive, and clear if you are unsure.If you have heard or read something which buy canada goose jacket cheap might be related to the question, and you want to check it, then make sure you ask it as a question. Do not post “I not sure if this is true.” or “Someone will correct me if I wrong.” If canada goose black friday sale you not actually answering the question, then Canada Goose Outlet make sure your comment looks like a question.Wiki / Frequently asked questionsReading list / recommended booksStep by step guide of what to prioritize / what to do with moneyJust skimmed through some of the news articles on this topic; seems like this “free tuition” program is a fairly new project that wasn in existence when I was in uni just a couple of years back. From what I gather, first time uni students are eligible for large enough OSAP grants that cover most or all of their yearly tuition if their family income is 50k or below. I would think this means OSAP calculates “family income” as your parents combined cheap canada goose uk incomes, like how they do with their “regular” allotment calculations for student loans. The canada goose store formula wouldn just use the student own salary, as then most (full time) students would qualify under the 50k income bracket. over the age of 24, is self supporting, etc.) then I could see cheap Canada Goose OSAP 50k threshold applying to the student income canada goose alone.I could potentially save: $47,436/yearBut this isn considering vacations, big purchases and emergency situations (like the other month, my cat had an urinary infection and that cost canada goose outlet $500 for check up, xray and medication).Realistically, I probably save $35,000 to canada goose uk outlet $40,000 by the end of the year.Two years ago, I was making $65,000 annually, then I switched careers and was Canada Goose sale making $75,000 in the first year and this year it jumped to $132,000.I feel like I could save more aggressively Canada Goose online (such as noticing prices more when I buy groceries) and I used to be super frugal. I still am by finding the best deals/discounts on bigger ticket item before purchasing and I rarely shop for clothes, but I feel less stringent on my spending overall since I have more disposable income now.We end up spending too much money per month, but we been consistently keeping it at 20% or under of my take home (my wife stays home and takes care of our two kids, so it only my income).The other 60% pretty much makes canadian goose jacket the house run. Bills, groceries, gas, insurance, resp contributions for our kids, paying into our rental property. Other then mortgages we canada goose clearance don have any other debts so it nice that way.I really like to get our spending down, I find with young kids it doesn seem plausible at this time. I have hobbies and so does the wife, and we often dip into our spending allowances to buy canada goose jacket pay for unexpected things like an extra box of diapers, uk canada goose or clothes for ourselves/the kids (necessary items, not expensive want items most of the time).

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