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This video covers how much it costs monthly while living in Canada. The video starts out with housing and how three factors determine how much it is, location, type of house, size. This video covers rent more, which can be up to $3,000 a month. next talking about utilities which are fixed every month. As well food and how much restaurants are and how many times you eat out rather then eating in. Next is how much transportation costs, it depends where you live. If you live closer to downtown you can walk but if you live farther then you may have to pay for buses or even a car. As well you have to keep in mind extra money you may need for gym memberships, shopping, etc.

I choose this video because it goes into detail how much money a single person may spend In Canada when living on their own. This video is similar to one talked about later but I found this video was unique when it talks about extra expenses that could come into account like your gym membership or movie tickets, you want to have some extra money to have fun as well and not be stuck doing nothing. In this video it also went into detail of the many options of housing, food, cars, transportation you cantata to save yourself money.

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In Canada, it can cost a lot of money to study and be a student. In this video he states several tips. to afford to live in Canada as a student. First he states that you should likely live off. campus since it. is cheaper than on campus. He also goes on to talk about buying objects like desks, shelves, toasters, etc. Check second hand. websites or stores to get cheaper options. Next he mentions to not to use the food plan given from the school and prepare food at home, you could be saving around $200. Also buying cheaper costing items and not spending on the higher priced ones (buy great value instead of lays). Another tip is to buy things in bulk it may save you some money rather then going. out every week to buy this one item. Look for Bursaries and grants as well as loans to help you with your financial situation. As well as getting a part time job to have some income in your life to be able to have some extra money.

I choose to use this video since not everyone living alone is out of school and may just living alone university or college. He covers most of the crucial topics when it comes to saving money in school. His most unique tip he gave was to look for student loans, grants and bursaries to help you along the way with. some extra money to spend on home objects, utilities, school supplies, etc.

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How to Save Money as a Student in Canada

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This video states the way to budget and save money. In this video he states, that you must set a budget when living, and setting realistic standards that can help in the future. He believes making sacrifices with purchases is crucial. He says you should find how much you're spending on a monthly basis, this determines where you may be able to cut down on expenses. He also says you must calculate your income as well and always make sure you have positive cash flow. He states you should track your money on a weekly basis to see the progress and you'll know where you are at with you budget and can make changes.

I choose this video since it gives great advice on how to save with your money and why you need to make a budget. This is something that people living alone should know because it can help them spend their money wisely and they will be able to afford living on their own and succeeding with it, and not leading into debt or trouble. I found that tracking your weekly expenses was interesting, it can help you come to realization faster on what has to be changed in your money spending and as well it makes it quicker then doing it every month.

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How To Budget And Save Money | Money Management Tips

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In Canada, the most common type of household in 2016 was a one person household. this can account for many reasons like divorce, being busy and even more. Many people who live alone  was different finance struggles compared to people who have to incomes coming in from another spouse as well. Some tips for for financial goals while living alone are, saving for an emergency fund, which is when In a case of a financial set back where you may need to use all your money to fix something. They say to have 3 - 6 months of pay check saved for emergency funds. The next tip is to create a budget to be able to know what comes in and out of your finances. Next is to consider insurance to help with sicknesses, disability, etc. Next is to plan for retirement and invest to create. growth and it will add up quickly with small payments. Lastly, is to keep in mind unique financial needs like tax considerations.

I choose this website since. it has a broad outlook on what you need got look out for financially when living alone and how common it is to live alone in Canada in the past couple years. A unique tip they stated was to invest in a retirement plan since it will add up in the long run. As long as you make small payments to retirement fund and your emergency fund then you will have enough money accumulated for situations you'll need it and as well for your future life.

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In 2016, one-person householdsbecame the most common living arrangement inCanada for the first time, accounting for 28 per cent of all households and representing 4 million Canadians.[1] The number of people living alone between 35 and 64 has increased faster than other age groups, so the trend is not limited to the younger or older ends of the adult spectrum.[2]

The shift to one person households can largely be attributed to Canadians marrying later in life, divorcing more often and living longer.[3]

Singles are feeling the squeeze

People who live alone have a unique set of financial challenges. Most single Canadians are on the hook for 100 per cent of their living expenses and have no partner to fall back on financially should they lose their job or become ill or injured. They often have fewer tax planning opportunities, such as income splitting or family tax deductions, and may delay saving for retirement because they spend their money on more immediate financial needs.

Understandably, some solo dwellers feel their paycheques are stretched to the limit. Housing affordability is a major concern. According to the 2016 Census, 41 per cent of one-person households spent 30 per cent or more of their average monthly household income on rent or mortgage payments.[4] A recent survey found that 46 per cent of those living alone said they struggle to save for retirement while managing day-to-day bills, since they have to cover all their expenses on a single income.[5]

Financial basics for solo living

With careful planning, Canadians who live alone can support themselves financially - and still be able to save for their financial goals. Here are some tips.

Set up an emergency fund

One of the first things to consider is starting a fund to cover you in case of a financial setback. A small amount put aside with a weekly or monthly automated payment on payday will grow to a healthy balance quickly (aim for three to six months of expenses), and you'll barely notice the reduction on your paycheque. A non-registered savings account that pays high interest without locking in your money is a good option. And while you don't want to have to rely on credit cards in an emergency, you could consider opening a line of credit, which would typically charge a lower interest rate.

Create a budget

It's tempting to travel and dine out, or indulge in other social activities, when there's just one set of needs and wants to consider. A budget helps avoid the pitfalls of overspending and can show you how you might be able to reallocate funds towards savings. An array of budgeting apps, tools and worksheets is available to help you get closer to your financial goals - not to mention your advisor.

Consider insurance

Because singles depend so heavily on their ability to earn a paycheque, income protection such as critical illness, disability or supplemental health and dental insurance could be more beneficial than life insurance. Should an unexpected illness or disability arise, income replacement protection could help provide an income to someone who is unable to work, so they can manage their expenses with less worry and focus on getting better. An advisor can help you determine which type of insurance is most suitable for your situation.

Plan for retirement

Start as early as you can and keep investing - even if it seems difficult. Longer-term investing gives you a longer period of potential investment growth, and even small deposits can add up quickly. Contributions toward your Registered Retirement Savings Plan (RRSP) and/or Tax-Free Savings Account (TSFA) can help with tax efficiency and should be included in your budget.

Unique financial needs

If you are a single Canadian, speak to your advisor. You likely have different tax considerations than a dual-income household, and significantly different estate planning objectives. Your advisor can help you create a financial plan that fits your situation.
SPECIALIZING IN SINGLES
As solo living continues its upward trend, more businesses are catering to singles. Here's how some industries are tapping into this market:

Grocery stores

More products are now available in smaller packages, such as meats, fish and fresh produce, along with an expanded offering of ready-made meal options for one.

Travel companies

Some waive the single supplement fee or allow singles to pair up in rooms, others offer all-inclusive trips or cruises priced for single travellers. Companies also organize opportunities for singles to meet, such as happy hour receptions or pre-voyage meet-ups.

Condo developers

The increase in condo construction has coincided with the rise of the single demographic. Suited for the single lifestyle, condos can be a more affordable option.

Source: www.cbc.ca/news/business/solo-living-business-opportunities-1.5046913

© 2019 Manulife. The persons and situations depicted are fictional and their resemblance to anyone living or dead is purely coincidental. This media is for information purposes only and is not intended to provide specific financial, tax, legal, accounting or other advice and should not be relied upon in that regard. Many of the issues discussed will vary by province. Individuals should seek the advice of professionals to ensure that any action taken with respect to this information is appropriate to their specific situation. E & O E. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value.

[1] Statistics Canada, "Study: Living alone in Canada," March 6, 2019, www150.statcan.gc.ca/n1/daily-quotidien/190306/dq190306b-eng.htm (accessed May 6, 2019).

[2] www.cbc.ca/news/business/canadians-livingalone-single-statistics-canada-1.5045116

[4] Statistics Canada, "Study: Living alone in Canada," March 6, 2019, www150.statcan.gc.ca/n1/daily-quotidien/190306/dq190306b-eng.htm (accessed May 6, 2019).

[5] www.advisor.ca/news/industry-news/help-single-clients-plan-for-retirement

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In 2016, one-person householdsbecame the most common living arrangement inCanada for the first time, accounting for 28 per cent of all households and representing 4 million Canadians.[1] The number of people living alone between 35 and 64 has increased faster than other age groups, so the trend is not limited to the younger or older ends of the adult spectrum.[2] The shift to one person households can largely be attributed to Canadians marrying later in life, divorcing more often and living longer.[3] Singles are feeling the squeeze People who live alone have a unique set of financial challenges.

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This website talks about how to make budgets and how to save money as well when living alone. First, they state that how to start a budget, put into consideration if you have a roommate that can save you some money on your apartment, if you have a paying job, if you're using internet, water, etc. After adding up everything with numbers they state that if you do not have financial help then you most likely won't have much extra money to spend, which leads into saving tips. A couple tips they give to save some money is to look out for objects people may be getting rid of, selling unused belongings, cook and buy in bulk, finding a job with benefits. As well make a rainy day fund and don't overspend.

I choose this website because it had some unique tips on how to save when living alone. All the other websites I choose talked more about budgets but this one took a closer look on how to save some extra money. The most unique tip I liked that they give was to make a rainy day fund which is setting aside money for emergency situations like your sink breaks, flooding, etc. If you did not save any money then you would maybe have to work overtime to get this extra money to fix your house.

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It's time to leave the safety of the nest. You've probably been dreaming about this day for a long time or maybe your parents just want you to learn to live on your own and are giving you the boot. Either way, you're young and ready to evolve into the independent, budgeting citizen that you've always aspired to be. However, as with any important financial decision you'll make at some point or another, you'll need to take every possible expense into consideration if you're going to make it on your own in the world today.

Making a budget for any situation is important, especially when it comes to moving out. There are a ton of things that you need to think about when it comes to both saving money and spending money when you first move out on your own.

Are you in school part time or full time?

Are you working full time?

Are you going to have a roommate to share the rent?

Are you already equipped with stuff to make your new dwelling livable?

Or, are you literally going at it with nothing and eating ramen noodles, sitting cross-legged on the floor?

We'll make a rough estimate for all factors here, as every expense you'll have is obviously going to vary depending on the location of your apartment, your roommate(s), if any, the income you're making presently, etc.

Let's say, for the sake of argument that you're living alone. True, having a roommate can be a great help financially, but maybe you haven't found one you trust, or just plain prefer your privacy. You've found a decent 2 ½ on the outskirts of town with creaky floorboards, a cramped kitchen, and stomping neighbors, but a perfectly affordable $500 a month in rent. Hopefully, heating and hydro are included. You're one person, so you won't go through much food and toiletries, we'll say $60 a week on groceries and general things ($240 per month). Do you need the internet? If yes, tack on another $40-50 per month ($480-600 yearly). Maybe you're bussing everywhere to save on car costs. Depending on where you live, if you're a student (age 18-25) it's about $50 per month. If you're paying a regular fare, closer to $80. That's $600-960 on transport alone, and remember that fares will likely go up every year. If you're really lucky, you've got a job where you can work from your home computer, but you'll still need to get to and from the grocery store.

That's about $1,800-2,300 a month on the things that are pretty much going to be necessary. Now, you are young, so we'll assume you're not making much more than minimum wage, between $11-15 hourly, depending on which province you live in. If you're living alone, working full-time (35-40 hours/week) is a must. We'll say 40 hours a week, which comes to $1,760-2,400 a month before taxes. Even if you manage to cut back on things like your internet service, you won't have much left over for anything else you might need, and you're trying to set aside money for the future, aren't you?

Cutting Corners and Living Below Your Means: Money Saving Tips

If all these basic expenses haven't dampened your spirits, and remember that these are only the basic ones, then it's time to start saving and making money when you can, however you can. At the very least, living below your means will see that you learn the most creative ways possible to get by.
1. Keep A Look Out For The Extras
Like we said before, you don't want to end up eating noodles, sitting on the floor, staring at the wall. So, prior to moving out, keep watch for anything that your family and friends might be trying to get rid off. Old TV's, DVD players, lamps, cookware, appliances, and other kitchen supplies, used couches and other furniture can go a long way in furnishing your new place at a relatively low cost. Hopefully, you can get most of that stuff for free. If not, check out any used goods websites for cheap stuff people might be selling in your area.
2. Sell Off The Unused Stuff
Speaking of used furniture, VarageSale, Kijiji, and Craigslist are a budgeting newbie's best friend when you're trying to save as much as possible. Simple, but effective, sell away any unused stuff. Yes, you will most likely get nothing close to what you were hoping for, or what you originally paid for the item, but even a few dollars here and there will afford you a box of spaghetti and a can of tomato sauce.
3. Buy and Cook in Bulk
Moving out won't just mean cutting back on take-out and restaurants. We mention this one a lot, but it's essential, just remember that you need to save room in the budget for some Tupperware. Head to Costco, and buy as many cheap food items as you can in bulk and dry foods/non-perishables such as pasta, rice, sauces, and canned goods. Make yourself a large pot of chili or spaghetti sauce and freeze it in portions.
4. Shop at the Dollar Store
You obviously aren't going to find fresh produce or brand name items here, but for the really basic supplies, the Dollar Store is a good place to go. So, if there's one in the area, head over when you need household stuff like cleaning products, cheap kitchen supplies, and bathroom items. They'll even have cheap utensils and dishes that you can use until you can afford better quality stuff.
5. Cut Back On Things You Don't Need
Needless to say, that gym membership should go out the window, at least for the first little while. If you need to , buy some exercise DVDs and workout at home. You will definitely find some programs that don't even require weights. This way, you can at least burn some calories until you can afford to start going back to the gym. Depending on which facility you go to, by eliminating that membership, you'll likely save $10-70 a month.

Downgrading to a more basic cell phone package and forcing yourself not to use your data willy-nilly can be a great way to afford an all-inclusive internet package. That way, you can just wait until you get home to browse celebrity gossip. For that matter, unsubscribing to any membership that is costing you can help out. Depending on your provider, you should be able to negotiate a simple package with Canada-wide calling, unlimited texts, and 1GB of data for around $50-60/month.

Yes, the convenience of having a car can be amazing, especially when it's cold or rainy outside, or when you're late for work. However, depending on the model, that car can always be a huge expense. Gas alone could cost you upwards of $150 per month, and registration can be taxing, and unless you know how to change spare parts yourself, going to a mechanic to fix all the little things that go wrong can be a destroyer of savings. Even if you can't get rid of your mom's old sedan, at the very least you should buy yourself a bike, and bus or train to work whenever possible.
6. Find a Job With Benefits
Another whopper of an expense? Maintaining a healthy smile. Unless you're going to an underground dentist in an alley somewhere, you're probably going to pay at least $180 every time you get your teeth cleaned, if you're getting them cleaned at all. For this reason alone, finding a full-time job with benefits can be a huge stress reliever. Not to mention, many places will provide employment insurance, in case you should fall ill or lose your job.
7. Save Your Change
Another way to pile up a bit of cash here and there? The change jar. You would be surprised how much extra cash you can scrounge up in desperate times, just by scooping the change out of your pocket at the end of every day. Let's say you scrape together $1-2 every day for a year. At the end of that year, you could have between $365-730 extra, assuming you don't dip into the jar too often.

Expect The Unexpected: Making A Rainy-Day Fund

When you're moving out for the first time, even when it's with a roommate, there are a lot of things that you're going to have to cut back on in order to remain afloat and make ends meet. This also means that you'll need to save, not only for the future but as an insurance policy in case anything should go wrong. It's recommended that you have 3-6 months worth of your normal living costs set aside for any such emergency, more if you can make it happen. So, to be safe, we'll assume you're within the $1,800-2,300 per month range for all your basic necessities. You end up unemployed, get injured or sick for the maximum period, 6 months. That's $10,800-13,800 just to cover basic expenses for that period of time. So, before moving out, really be certain that you can afford this during an emergency situation, and remember those are just the basic expenses you'll have to cover.

As Long As You Don't Overspend, You'll Survive

With all these numbers being thrown around, the prospect of moving out while working a minimum wage job can now seem a bit nerve-racking. However, don't fret, it is possible to get by. In fact, if you do find this prospect a bit worrisome, that's a sign that you're taking the situation seriously, and there's a greater chance that you won't end up making the mistakes that so many others make. Moving out and dealing with all these expenses on your own is certainly not easy and shouldn't be taken lightly. Remember, you'll be spending hundreds of dollars a month on just a bare-bones apartment, so you need to start making smart financial choices. But, it can be done, as long as you're learning to be money-savvy and you're willing to work hard for it.

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You're Moving Out, Here's The Budget You Need! | Loans Canada

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It's time to leave the safety of the nest. You've probably been dreaming about this day for a long time or maybe your parents just want you to learn to live on your own and are giving you the boot. Either way, you're young and ready to evolve into the independent, budgeting citizen that you've always aspired to be.

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The whole idea of this website is the costs of renting in Canada, and stating the money you may need to spend on the apartment. It starts with the upfront costs you must pay with renting like, first/last months rent, utilities, security deposit, the moving expenses, renter insurance. You may also need to buy all new things for your place like, furniture, dishes, towels, etc. This website advises you to check your credit report before moving since it may sent some boundaries when you are looking for houses. since you may have restrictions, try to look for places with utilities like, washing machines, air conditioning, close to work or school, etc. As well you should budget before you plan the move and during your rent as well to save on some money.

I choose this website because it talks about a few different aspects to living on your own that my other articles did not touch on. This website was directed towards renting which is good since if you're living on your own for the first time it may be just renting because of a lack of money to buy a house yet. One different thing I liked that this website taked about was checking your credit report and seeing how much money you can work with and what boundaries you may have to set when choosing a house. Another different aspect this touched on was to find a place with utilities since it may help with money saving on your part, and it will be easier for yourself to save money and help with your budget.

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personal finance; leasing; housing; independent living; youth; consumer protection

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Renting your first apartment - Canada.ca

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Costs of living on your own or with a roomate, moving out within your budget, what to know before you rent.

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When you're living on your own as a student it may be hard to save money since you are always focusing on assignments or going to class. first, you should make a budget, tracking your income and expenses for the year youre at school. next, you should figure out what your needs are and your wants, do not get them confused. after that, you should look into grants and free money t hat could benefit with with rent and paying bills. This article also talks about shopping impulses and how to manage groceries and meal plans.

I choose this website to use since it was targeted towards students. Students. are most likely living alone or paying for themselves when in collage/university so they do not rely on someone else money when buying food, or shopping for theirself. The most interesting information is deciding between the needs and wants, I believe this can be a big problem when you live alone, its hard to not buy certain things when you're the one buying it, in other words, no one is telling you to not buy it. Its a great piece of advice for students and everyday people to learn so it helps with not buying items that are not essential when living alone and it helps with saving the money.

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Vancouver is Canada's most expensive city and the startup costs from tuition and books can leave a gaping hole in your wallet.

While you would be forgiven for being nose-deep in your books, it's time to take a minute to reflect on how you're managing your money. Do you have a budget? Or are you spending on the go?

University is expensive and there are endless opportunities to spend your hard-earned income or student loans. By making some small changes today, you can save yourself a lot of money over time.

Budgeting

Making a monthly budget is the first step towards staying on top of your finances. Budgeting gives you a big-picture view of your money, so you can make informed spending and saving decisions. It can help reduce the amount of debt you have once you graduate because, trust me, you don't want to enter the working world with $30K of debt.

1. Make a budget

Create a spreadsheet and compare your income and expenses for the next year. Are you in the green (income greater than expenses)? Great! Make sure you're saving money every month.

If you're in the red (expenses greater than income), you'll want to think about ways to reduce your spending or increase what you're making each month.

Visit UBC's Financial Planning page for useful budgeting resources including a budgeting basics worksheet and a budget planner. There's also a handy online cost calculator you can check out.

2. Track your spending

Write down every purchase you make or use a budget app like Mint, Wally, Mvelopes, or Goodbudget. Simply tracking what you spend can help you notice patterns, make you more aware of where your money is going, and help you identify if you need to make a change.

3. Differentiate 'needs' vs 'wants'

While it seems like a simple distinction, you would be surprised at our ability to rationalize certain spending decisions. Saving money by buying only what you need gives you more flexibility in your budget in the long run.

4. Stick to your budget

Making a budget is the easy part. Next, you need to put it into action. But remember: a budget is not a permanently fixed thing. On the contrary, it is meant to be dynamic. So update it when things change.

School

University is expensive and the bills can add up, especially in September and January, when tuition is due and you need to buy books for class. By making smart choices and putting in some extra work, you can reduce the impact of these big costs on your wallet.

5. Look out for free money!

While we all know that money doesn't grow on trees (#SAD!), there are a surprising number of places to get it for free.

Apply for scholarships, awards, and bursaries. Many scholarships don't receive very many applications, so it's worth putting in the effort and going for it.

6. Be smart about how you pay school fees

Avoid paying for your tuition or housing fees with a credit card, as a 1.75% fee is added on to the total. For a tuition payment of $3,000, that's an extra $30 lost.

Use another payment method such as a bank transfer or cheque. Visit the Paying Tuition page to learn about your payment options.

7. Don't waste your meal plan dollars

If you're living in residence and have a meal plan, the best option is to use your basic meal dollars to eat at the on-residence dining halls, where you'll get a 25% discount on every purchase.

You can also get a 5% discount when you use your flex dollars at UBC Food Services locations.

8. Save money on textbooks

Buy used textbooks from former students on Craigslist, Kijiji, or Facebook groups like UBC Used Textbooks.

The UBC Bookstore even has a rental program available for some books. Also, don't forget to check Amazon for some great deals.

9. Sell your textbooks

When you're finished with a textbook, sell it back to the UBC Bookstore or Discount Textbooks, or try to find a new student who needs it.

Food/Grocery

Besides rent, your biggest monthly expense is most likely food. While eating out all the time is the easiest option, it's also the costliest. Adopting a do-it-yourself attitude to food consumption is a smart way to both save money and work on your cooking skills.

10. Cook at home

Limiting the number of times you eat out each month can save you huge amounts of money. Cook big meals and put the rest in Tupperware containers. Bring the leftovers with you to school and heat them up to save money on meals.

There are microwaves located all around campus, so really, there's no excuse. Check out this handy map as a useful starting point for finding the microwave nearest to you.

11. Buy in bulk

Buying in bulk helps you get the most value out of each purchase. Do grocery runs with friends and buy family packs. Separate food into plastic bags and put the extras in the freezer for later.

12. Plan your meals

By planning out your meals for the coming week, you know the exact ingredients you need to buy. Make a shopping list and shop strategically. Only buy what you need. This also helps reduce wasted food at the end of the week.

13. Make your own coffee

If you buy a coffee per day at $3 per cup, that will end up costing you $600 over the school year. I repeat, $600.

Instead, buy coffee beans in bulk and make it yourself. Purchase a travel mug and bring it with you to campus to keep your coffee warm.

14. Coupons, coupons, coupons

Get your hands on as many coupons as you can, and use them to reduce your grocery bill.

Shopping

In this consumer culture we live in, it's very tempting to want-in the words of Arcade Fire-everything now. Resisting the temptation to spend frivolously is the best way to save money.

But, of course, you can't avoid buying certain things. So when you do need to spend, take steps to reduce the cash you're dishing out.

15. Resist impulse buys

This merits repeating: differentiate between the things you need and the things you want. If you do want to spend money on a 'want,' check your budget first and see if you can afford it.

Don't make purchasing decisions on the spot without thinking about the consequences.

16. Shop at discount stores

The dollar store should always be your first destination when you're shopping for household goods, school supplies, and more. Thrift stores are great for used clothing and Vancouver's got a bunch of them.

To start, you can check out the Salvation Army in Kits, F As In Frank on Main Street, Community Thrift and Vintage in Gastown, or the Wildlife Thrift Store on Granville Street.

17. Buy generic products, avoid name brands

This is self-explanatory. Whether it's food, medicine, toiletries, or household products, choose the cheaper generic option as opposed to the top-of-the-line name brands.

At the grocery store, buy the house brand products. The dollar or two you save adds up over time.

18. Ask about student discounts

While many stores offer discounts to students, these deals are not always advertised. Don't be afraid to inquire with a store employee. Have your student card ready. Ask and (sometimes) you shall receive.

Entertainment

Extracurricular activities and a social life are necessary for making your university experience enjoyable. The tricky part is figuring out how to have fun without breaking the bank.

19. Choose social activities that don't cost money

Go hiking, cycling, sightseeing, or take a walk in the park. Activities that take advantage of Vancouver's proximity to nature are best. Here is a list of 25 free things to do in Vancouver.

20. Take advantage of UBC campus attractions

As a UBC student, you get free access or significant discounts on entry to a number of UBC institutions, including the UBC Aquatic Centre, the ARC and the Birdcoop Fitness Centres, the Museum of Anthropology, the Nitobe Memorial Garden, and the Morris and Helen Belkin Art Gallery.

21. Join a club

University clubs are amazing ways to get involved and meet other students. There are literally thousands of clubs at UBC and they're constantly putting on social events.

Check out the AMS website for a full list of available clubs.

Don't be afraid to reach out for help

Often students will avoid reaching out to people who can help them until it's too late and they're already in financial trouble. Avoid doing this. If you're strapped for cash, reach out to those around you for help. Let your family know. Ask your parents or grandparents to send you money or for a loan.

You can also contact your Enrolment Services Advisor for advice on what to do. ES Advisors can help you craft a budget and a solid plan for easing your financial woes.

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21 money-saving tips and tricks for students

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Vancouver is Canada's most expensive city and the startup costs from tuition and books can leave a gaping hole in your wallet. While you would be forgiven for being nose-deep in your books, it's time to take a minute to reflect on how you're managing your money. Do you have a budget?

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The main idea of this video was to give rough estimates of the cost to live in Toronto for one single person. It starts off with stating that rent is rising in Toronto and the average cost of it is $2,212 for a condo and $1,987 for a one bedroom apartment. the overall average of renting in Toronto is around $2,079,75. Phone is around $90 a month and internet is around $66. The average grocery is $283.60 a month, and the average entertainment is $445. it later states, fitness, insurance and more. This comes to the grand total of $3,341.44 per month or $40,097.28 a year.

I choose this video because it outlines the expenses to live in Toronto, one of the most expensive places in Canada. It shows the amount of money on average a person spends every month to live here. I also choose this video to show how much a single person must have or be able to maintain to live in Toronto. An interesting fact was how much rent cost in Toronto, the average was over $2,000 a month and in a lot of places rent is only around $700 a month. In conclusion Toronto is extremely expensive for a single person to live.

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Cost of Living in Toronto for One Person

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This image resembles when you live alone, and how you must pay for bills, food, clothes, benefits, personal wants, etc. This photo shows the reality of living alone and how you must take care of yourself and you may not have help along the way

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This image resembles the thoughts that can go through ones mind when living on their own. If you live on your own, you may constantly be focused on money and how to save it or wisely spend it to be able to survive on your own.

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While reading this, you will learn the factors that contribute to living on your own (eg. money, savings, budgeting) through photos, videos and websites. Living on your own means living without anyone with you and most times caring for yourself with groceries, bills, cleaning and even more.