Our Monthly Expenses in 2024 in Canada | NOW How much New Immigrants Need to Survive in Canada
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Hey Guys, we have an Expense segment called ‘Vacation & Holidays’ in our Monthly budget in which we put monthly some amount to use during our Trips and International Travel, forgot to mention that in the video but total expenses in the end include that section too
I could not go to Canada in 2018 through my Indian company ( I am automotive engineer with 8 year experience) due to personal cause. I use to regret for that. But now seeing the situation India is far better at least in my domain/job role. Now after 5 year I own a flat in Pune and that will be mortgage free in next 5 year. even today My EMI is less then 25% of my net pay. Travels around India without thinking about budget. Health wise also India is much better if you have group insurance/personal insurance. You can easily get 5000000 of sum assured in 25000 per year. Due to competition and skill shortage there is always demand of skilled engineers and managers in market. if somebody gets 10% hike annually it considered as poor. if you switch the company getting 80% to 100% is normal these days. If you have to control your eating habits and weekend outings to manage finances is not let you live in peace . You have to come out of it.
You r at a great place trust me !
Competition in Canada has become at par with India for jobs.
5000000 of sum assured in 25000 per year?? How? Where? you mean 50 lakh or 5 lakh?
@@kunalwaikar0414 50 lakh. Check policy bajar
How do you make sure you are staying within budget? Do you maintain list of daily expenses?
Super helpful content! No fluff and only relevant information. Thank you and keep up the good work
Glad it was helpful!
fluff ka kya matbal hai
Very expensive mortgage costs. Is it variable or fixed?
MAY BE I AM WRONG, BUT ONE MUST ALSO SET A SIDE CERTAIN AMOUNT FOR SKILL DEVELOPMENT TO GET MORE OPPORTUNITIES SPECIALLY FOR NEW IMMIGRANTS.
The thing is rent has increased mortgage rates are gone up need tenants in basement to contribute for the mortgage payments. Toranto is expensive like California and not even close to quality of Standards of California.
Well explained by both of you guys.......❤
what is the insurance of your tesla maam and sir? FYI i live in USA thinking of buying one
Monthly payment around $740 with $4000 down payment
Great video and great job. I love the way you guys think about solutions instead of whining about inflation. This video is detailed while it gave me motivation as Alhamdulilah I am doing better than the stated expenses.
Much appreciated!
Alhamdulilah ka matbal kya hai
Outstanding vlog, being realistic, practical and budget conscious is the only way to live ❤
Absolutely!!
I got $40 increment per pay cheque, only 3% increase. And landlord increased rent by $40 per month.
Is 12K expenses excluding Tax (CPP, EI etc.)
Great vidoe. Can u please discuss the taxes in canada? Thanks in advance
Nice ...You should also give some idea abt approx. Income and savings ... without it expense looks way higher...
Great vlog, you factored almost all of it, but when one has teenagers, the expenses are slightly different. There are classes to be factored, they eat better than 40 plus so the groceries bills are higher😅. And because they are young adults, their outings are way higher than ours. They don’t spend a lot on an outing, it’s typically a pizza slice or Tim’s, but they do it frequently. But I think, it balances out on a day care expense, we don’t have that but parents with young kids have that big expenses. Give or take it falls to the same.
Yes, ur comment is valuable for parents of grown up kids
Informative video.... You guys always are more focused on the solutions instead of focusing on the problems.... it is practical and doable... Kudos Shilpa and Amit🤝👏👌🙂
Thank u ☺️
So true. Salary increments are not at all proportionate to Inflation. Beautifully explained. 👏👏
Yes, exactly
Great vid guys, we also do a monthly budget vid here in Mexico. Very interesting to compare the two. Thank you so much for sharing this with us all. Cheers from 2 Canadians living in Mexico. ✌🏽💖
Hey Thanks Guys..what do u do there
@@chitchatwithshilpa The wife does accounting online and I was blessed to retire at 54. We have been holidaying here in Mexico for over 12 years to escape a little bit of the Alberta winter months. It was always our dream to live here in Mexico. Life is very different here, in a good way. 🙏🏽💖
Brillant video shilpa. The way u curate and speak fluently is excellent. Really liked dis video. U guys r great planner
Thank u ☺️
Good explanation thanks 🥰🤩🎉❤
You’re welcome 😊
Awesome video!! Keep up the great work Amit Ji and Shilpa Ji ❤
Thank u ☺️
how do u kneed dough with nail extension?
I have food processor for that
🤣
@@chitchatwithshilpa😂😂😂
what if we do not have food processor ? do u know an other way without food processor ?@@chitchatwithshilpa
Excellent @Shilpa and @Amit, I think It was a video in response to my recent request, so pehle toh uske leye Thank you! and I think your budgeting is not at all off, I had managed to put up a budget for family of four priort moving ti Canada and this is the exact figure I came up with even with renting a single family home upper portion of 3 bed. So yes you are true, even with all stretch and adjustments, expenses are very high.
Now next video idea, with Canadian passport, do you think you can find better job rates in Dubai and afford a better quality life lets saw with similar budget?
Purely informational and must watch video
Thanks a lot
Hi Shilpa you tell yours incomes as well how much you saving then
I'm new at Alberta doing part-time jobs but not getting any full-time till now
And can you suggest the best paying field of job so that I can study that
Nice vlog guys please whenever you go for Walmart and Costco for shopping pl make video i love shopping vlog pl
100% thank you good job
You're welcome!
What’s your car insurance for Tucson and Tesla
$450 for 2 cars
@@chitchatwithshilpa how much for Tesla?
Very nice informative video, thank you for making it
Glad it was helpful!
How much did the Tesla cost?
The rents they are saying are not at all the norm in GTA unless you take the whole basement or floor of a house or apartment. I live in North York with 1100$ rent, 1st floor house.
Are you renting a room in the house?
Very informative video Shilpa and Amit. Thank you for being so open about your expenses. Can you guys share who your cell phone company is and what plan you guys have? Looking to switch as our cell phone bill is too high.
Our plan is from Telus but we r under business/ corporate plan
Informative video
I would say less visits to Costco is one the tips to reduce expenses too personally we did that, I really appreciate your honest review Shilpa! Accepting the fact that inflation is hitting hard to everyone you share realistic tips. Hopefully situations become better! Lots of love ❤
Thank u ☺️
In last 4 days I watch ur 25 videos I m crazy to watch both of u
❤❤❤❤
Hi Shilpa, can plz let me know, is life in Dubai was good or not as compare to Canada ?
Depends what is your job profile and salary there
Job profile: IT System Engineer, Salary 30k in Dubai
Hi shilpa di.if someone get a job in rural northan community of 3000dollars.then is he /she will able to run their family expenses in those communities!??? Is it possible????
Hi Shilpa,Ameet and Dear Amy
Good information on Inflation
Please make one video regarding Taxation on Income taxes on services and Business taxes
Will try
This is awesome
The most difficult job regarding expenses is to stick to the plans we make. We tend to get distracted very easily when it comes to our spending habits🤷🏻♂️ n the whole budget planning goes out of the window. Phir sochte hain next month se follow karenge. …n the vicious cycle continues 🤦🏻♂️🤦🏻♂️
An next month se follow karna
Exactly 😂
12,000 dollars monthly expense or yearly ??
Monthly
Year
Monthly expenses as mentioned in their video
I think daily.
@@suku_1993Baap re
More jobs will be outsourced in near future. Specially to asian countries like india, vietnam, Phillipines. Earning in dollars makes no sense these days for experienced IT guys. Salaries back home are now at par. My friends save 2 lac a month staying at their own homes.
If you keep comparing with older days then you can not live. Indeed for you guys, it's difficult to cope with these much hiked prices, coz you have not seen that much hikes in the past.
But the people who are coming now or looking forward to coming to Canada, then they can easily analyze the inflated cost, their needs, wants, earnings and save accordingly.
how much is tax in canada? lets say if someone is earning 100k per year , how much will be in hand after tax..
Depends what ur other deductions are in your organization..sometimes it will give u only 5000 in hand if there r deductions like pension fund, medical insurance employee deduction, life insurance and long term disability etc..some organizations in downtown also charge parking fee..there r lot of online calculators u can use
@@chitchatwithshilpa thanks..5200 dollars in hand..Is it good for family of 4( 2 adults and 2 kids)? How much will be saving?
Good Morning Shilpaji, Amitji, Amy ❤.
Thank You "Chit Chat with Shilpa" for Such an Informative Session.
It Gave a Very Detailed Overview of how to Manage The Finances while Maintain a Stress-free Life wheresoever you stay
My pleasure 😊
Hello shilpa mam I have question can truck drivers survive with family
They earn good
Hello shilpa ❤ india sai canada money transfer k leye koi app hai to batado plz my son is a student in Vancouver plz answer as soon as possible ❤
Sorry, never transferred money from India to Canada..
You can transfer from bank to bank. If you will transfer from your account, bank will ask for simple things like reason of transfer, your son’s student ID, address etc. We did from standard chartered to Scotia bank here, it was hassle free.
Inflation in your hearts, like as.
Why increase the tax?
Why increase interest rate?
Another hit one
Jab itni budgeting karni pad rhi h fir to india hi badiya h bhai
You guys Done great work and this video is really helpful for many people this Your plaining is very good of expenditure but i am really scaring.... Last Sunday we went to metro ( like Cosmo)to buy a 5kg pickle and some other items but we spent 7000rs and didn't buy pickle coz we forgot 😅😅😅😅😅. And we do shopping online so much.. anything in grocery never think before buy. J b le lo j b le lo etc . How to control all things. 😮. Even car hayeeeeee. It's so difficult. Here in India our expenses increase with time. And in Canada need to control day by day.. 😅😮😮😮😮. Very difficult very much
Good vlogs. Wishes from pakistan.
Hello all,
You forgot to count your international trip charges like you n Amy will go to india , so air fare, shopping for relatives .
That expenses is also huge.
Amit ji travelling somewhere that trip cost also.
One thing dadi ji will come, so grocery expense will increase but when you will go to India, grocery will be decreased.
So it's vice versa.
Very informative video.🤞
I just read your comment on international tour expenses but i posted first and read your comment afterwards.
It’s OK
@@chitchatwithshilpa 😊
Super informative video Shilpa and Amit...thank you so much for all this information...
I along with my family will be moving to Ottawa in the month of May...if you can give some insights of expenses there also would help me a lot as new immigrants.
Or will it be similar to what you have mentioned in this video?
Thank you!
Lots of love to both of you 🤗😍
Other than rents, expenses should be more or less similar..rents r cheaper there
Hello Umaji. Welcome to the beautiful Great White North otherwise known as Canada in the entire world and Kanedda in Brampton. You won't regret your decison.
Just some pointers:
(1) Agar aap ya aapke saath jo bhi Canada aa rahe hain, prescription glasses (jisko India mein hum Spectacles bolte hain) use karte hain, to apna eye-test karvaa kar 2~2 pairs chashme ke khareed kar apne saath avashya le aayein. Yahaan Canada mein bahot bahot bahot mehenge hain eye tests aur glasses+frames.
(2) India mein apna aur aapke saath jo bhi Canada aa rahe hain, sabkaa dental check-up karvaa lein (especially dentures, crowns, root canal, tooth extraction, vagaire operations). It's an extortion here in Canada.
(3) Jitna ho sakey, kitchen ke bhaari-bharkam bartan aur winter jackets, blankets kam hi laayein. Ottawa jaise chhote shehar mein bhi Indian stores + Dollarama bahot hain jahaan aapko har qism ke kitchen utensils (tavaa, chaklaa, belan se lekar kadhaaii, chhalni, spoons, forks, knives), pooja ka saamaan vagaire vaajib daamon mein mil jaayegaa. Ikea mein behtareen blankets milte hain. Even if it's -30 Degrees C outside, har ghar mein, apartment, condo mein central heating hota hai, isliye blankets India se laane ki zaroorat nahin hai. Also, in order to deal with bone-chilling, teeth-chattering winters, it's better you buy winter jackets here in Canada. India mein bahot kam winter jackets milte hain jo Canadian winters ke laayak ho (only because India is primarily a hot country). Main kitchen ke bhaari-bharkam bartan, winter jackets, blankets Indian se nahin laane ka suggestion isliye de rahaa hoon kyonki airlines ko over-weight extra baggage ka bahot paise deney padtey hai.
(4) Cellphone charges and car insurance Canada mein bahot zyaada hain. It's going to be a rude shock to you when you see the exorbitant prices, so be mentally prepared.
Good luck et bonne chance!
Thank you Shilpa😊@@chitchatwithshilpa
Shilpaji since last few weeks i have noticed ki aapke curls bahot ache lag rahe hai. Aajka pura video maine sirf aapke hair dekhne Mai hi nikal diya hai, content pe dhyan hi nahi diya 😜🤣🤣
😀😀
As new immigrants, I don't think it is a wise idea to live in GTA unless the household income is also high (which is very unlikely for a new immigrant family). Having said that, everyone wants to live in large urban centers as more job opportunities are available. What a dilemma.
You are a cute couple. You should name your channel to include Amits name as well.
Shilpa with rent can some manage in 10000 cad like 2700 rent we will be 3 as in my 2 kids and me and i have my dogs
No idea about expenses for dogs as we never owned one but taking them to Vet and vaccinations could be added cost
Being a Dubai Resident any one can feel privileged for many things like zero crime no drugs issues for kids, 100% safe and secure communities, kids and families can travel alone at 2 am,plus 100% tax free income with huge business opportunities for startups for just AED 2k Trade Licence fees per year and also you can bring your family members or visit your home country in any point of time, and one of the best things dubai is one of best and safest city in entire world 🌍
With amazing infra structure, also compared to US , Canada medical facilities and access to experts and services are extremely easy. Super markets open 24 hours. Those living in Canada have their own reasons which is unique to their place...
N the world class super prompt medical facility, way way better child education.
Yes education is expensive but much much lesser than tax money of Western countries...
also duniya ghumo as Europe's close proximity ....
How about the education
Right of citizen ship
Passport and equal rights
??????
That’s why people move out to west
@arundubai But you can't stay in Dubai forever bcoz it doesn't offer PR or citizenship. Buying a house there is affordable only for the affluent NRIs whereas we see more people being able to buy houses in Canada
Best is get Canadian citizenship and move to dubai
quite a useful vlog
Thanks a lot
The moment I started cutting down cost on my Atta, Dal, clothing and shoes for my family in “whatever “ country, I won’t be living there anymore.
My husband wants to go Canada. And i research and say why you want to take so many tensions... It's like. " Aa beil muje maar " 😅 har chiz ka rent ,tax har chiz kanjusi se use Karo, so many small rules which are good but we are not habitual so it would create frustration
Cant agree more with the points discussed. Salary increments last year was no way on par with inflation.
Also, regarding the house mortgage, as a first time buyer, even we did the same mistake of only taking the mortgage amount into consideration and not the additional amount expenses that come with it🤦🏻♂️
Why do people cry about property tax ? It goes towards funding public schools, police, and fire departments. Public schools Education is free. It costs to heat/ cool clean and maintain the buildings. Books are free, all media facility, lab, music and sports equipment is free for students but money comes from property tax. And don't forget the school buses and the fuel ! As much as 35 % property tax goes towards public schools.
Get educated, stop Whining !!!
Next destination....North Carolina...for better future
And wait for green card forever 😂😂😂
Canada passport le k log USA passport le lete hein in pe vedio bnaen ? kon Kon se occupation wale log Canada se USA move ho gae Plzzzzzzzzzzzzz
Ye waale occupation ka Kanaada mein koi scope nahin hai par Amreeka mein buhat scope hai: mochi, chamaar, bhangi, meher, jallad, cycle puncture theek karne waala, dhobi, doodhwaala, kaamwaali bai (pakistan mein jisko maasi bulaate hain), luhaar, puraane kapade lekar steel ke bartan dene waalaa, raddiwaala, dahi bechnewaala, chaney-murmure bechnewaala, gol-gappey (pani-puri) waala, shaadi ka decoration karne waala, shaadi karwaane waala rishton ka agent, masjid ka mulla, halaala karwaane waala agent, cycle rishkaa waala, bhikhaari, chor, dakait, juaari, kasaii, pocketmaar aur mitti ke bartan bananewala kumhaar.
Shilpa ji
Canada passport le. Log USA ja k bi USA passport le lete Hein AP un ka bi btao ?????????
Not possible if you’re born in India for employment based green card
You are from Delhi
u r from madhya pradesh
❤❤❤❤
You need to slow down the speed of your voice. Also please drink some water because your throat sounds really dry.
❤❤❤❤❤
next tax bracket mai nuksan nahi hota, its progressive.
Mortgage broker doesn’t get it 😂
He only meant more than salary increase in hand, it goes more in taxes
In India if you are getting one lac per month when you are single and earn 1.5 lac per month incase you are married…you will have a better life style in India compare to Canada..
haa ye baat to hai. India mein jitni facilities logon ko mili hain, utni kisi bhi desh mein kisiko bhi nahin mili hain. Sirf India mein hi mardon ko kahin bhi, kabhi bhi, deewaron par, ped par, park mein, garden mein, galiyon mein, yahaan tak ki udte plane mein doosre passengers par mootne ki facility mili hui hai. Achha hua hum auraton ko ye facility abhi tak nahin mili hai, varna socho har jagah kitni achhi moot ki khusboo aati. Doosri baat, sirf India mein hi merit based selection nahin hota. Aap ghareeb hain? Neeche ki jaat waale hain? Aapko aur aapke aane waale 10,000 generations ko job reservation milega. Ye to bahot acchi facility hai. India hi ek aisi country hai jahaan log is baat ko sabit karne mein lage hue hain ki wo picchade hue hain, anpadh hai, ganwaar hain, neeche ki jaat ke hain, ghareeb hain, budsoorat hain, kaale hain, aadivasi hain, bhangi hain, mochi hain, luhaar hain, chamaar hain, suppressed hain, backward hain, isliye unko job market mein preference diyaa jaaye, bhale hi unke baap-dada reservation ke bahaane kitni bhi oonchi post par hon. Kitni achhi facility hai yeh. Teesri baat, oopar se neeche tak, paise dekar kuchh bhi kaam karvaa lo. Is-se badi facility to kisi bhi developed desh mein nahin dekha. Paisa phenko, tamasha dekho. India mein har koi bikaaoo hai, supreme court ke judge se lekar, Police commissioner, bureaucrats, government doctors, engineers, government clerks, chapraasi, gaanv ka patwaari, health centre ka compounder, station master, sab bikaaoo hain, bas sahi keemat lagaane waala hona chaahiye. Oopar se neeche tak rishvat hi rishvat. Mera Bharat Mahaan.
Nails look ugly anyways. Not in anymore. Good decision to get out of this
Inflation itna badh gaya hai ki chai peene se pehle bhi sochna padh raha hai. 😂😂😂.
Janhit soochna = Canada abhi 10 saal tak mat aana. Aur aana hai to ghar naa lo naa hi nayi gaadi.
India me 7 min me grocery delivery hai blinkit se. In sab mein canada is far behind 😂 Aur kamwali bhi hai canada mein kamwali khud bano. Don't see any point moving to canada if your salary is more than 1 lakh in India. Canada system is designed to take max money out of the pocket 😅
Canada = Expenses = 0 savings 😂😂
Sab badh gaya -salary nahi badhi lol
😜😂
Read Quran
Read Ramayan. Jai Shri Ram.
@@QueenOfManhattan😂😂😂
Eat pork
Dono barbad hai 30+ years tak kam karke loan bharo congratulations on ur debt achievement