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Every wonder what it is like living on your own? Well, I know sometimes I do. Living on your own is a new chapter to most peoples lives, but it is not cheap. There are certain aspects to look into especially financially. In my padlet I would go into depth on the financial aspect of living on your own.

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In this website it is showing people a list of what to budget for if they choose to live on their own. This is like the daily spending sheet we did for the class. The website breaks down  and explains how people should put money aside for certain things that are necessities when living alone. They also recommend this article for students looking to live alone because that is a big responsibility.

The reason why I chose this website is because I found this a while ago when I was doing an assignment for my other classes. This website had actually helped me plan a budget for future expenses if I do decide to live on my own after college. It has me rethinking about my daily spending just like the assignment we did for this class. That is why I chose this website and what makes it different from the other website is that this one explains it to you. While the other, is a more formal article about the overall living expense.

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Here's a list of monthly expenses you will likely have once you move away from home. Students need to add tuition, fees, books and supplies. (Use this student budget worksheet to get started). And if you move to a different city, you may need to add the cost of travel to get there and return trips home.

budget Budget A monthly or yearly estimated plan for spending and saving. You work it out based on your income and expenses. Clothing: Planning your clothing needs in advance is a good idea to make sure you don't overspend. For example, + read full definition ahead for your winter jacket and boots.

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The cost of living on your own | Budgeting | GetSmarterAboutMoney.ca

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Here's a list of monthly expenses you will likely have once you move away from home. Students need to add tuition, fees, books and supplies. (Use this student budget worksheet to get started). And if you move to a different city, you may need to add the cost of travel to get there and return trips home.

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The summary of this website is that it is is trying to get you to sign up for their services, but that is not useful for this assignment. This website is basically telling people how much it would cost to live in certain cities in Canada. Also, it gives a run down of the living expenses in each city, as well as, it shows the average salary a person can make in the cities.

The reason why I chose this website is because it does have a lot of information a person can gain knowledge from before choosing to live in any city. It gives you a break down of everything from salary, monthly expenses and even a dollar converter. I found that different from the other websites.

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The cost of living in Canada varies widely from region to region. This 2020 guide outlines what you can expect in terms of living costs.

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Website #3: Detailed Guide of Living in Canada 

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Website #3: Detailed Guide of Living in Canada 

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This website is basically a guide for those interested in moving to Canada. It gives people an estimate of how much a person would pay for themselves when living on their own. It even shows which provinces and cities are most affordable. Also, the websites tells people roughly how much they should be paying for when living alone.

The reason why I chose this website is because it gives people a better understanding of where to live in Canada. It gives an option of moving to a different province/city depending on your budget and or salary. This website is different from the rest because it breaks down taxes, as well as transportation fees for each province.

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Are you moving to Canada and wondering how much money you will need when you are there? Canada is renowned for its exceptional quality of living but there are many essential things you will need to familiarize yourself with before you make the big move.

For starters, you will need to figure out your budget before the trip and maybe even choose your destination based on the cost of living.

But, how expensive is Canada? The truth is that there is a big difference between cities and provinces. Whether you are temporarily relocating or moving to Canada, you will need estimates, averages and reliable data.

In this guide, we will walk you through everything you need to know about the overall cost of living in Canada.
Read Also:
THE 8 MISTAKES EVERY WORKING HOLIDAYMAKER IN CANADA MAKES
How much do you need to live in Canada per month?

For a single person, the national average cost of living is estimated at 2730 CAD in 2021.

What is the average cost of living for a couple in Canada?

The average cost of living per month for a couple in Canada is around 3,500 CAD in 2021.

If you are earning around 50,000 CAD per year per person, after all the deductions, you will be earning around 3,500 CAD per month per person.

So, even if only one person is working in the family, you will be able to survive in Canada, but you will not be able to save money. If both partners are working, you will be able to live comfortably and save some money.

Which are the most expensive provinces in Canada?

Top 3 most expensive provinces in Canada

Which are the most affordable provinces in Canada?

Manitoba

Nova Brunswick

New Scotia

Newfoundland and Labrador

Prince Edward Island

Quebec

Which are the most expensive cities in Canada in 2021?

The eleven most expensive cities in Canada 2021

Which are the most affordable cities in Canada?
Source: webspy.com
A room in a shared house in the most expensive cities starts around 850-1,000 CAD. In the rest of the country, it is much more affordable.

The average rents as of December 2020

(Prices are in Canadian dollars and utilities are included)
Source: Rentseeker.ca

When you move into a new apartment, you are usually required to pay an initial fee- ½ month's rent, +200 CAD move-in fees + 200 CAD damage deposit.

The parking for your car will cost you around 60 CAD per month.

Groceries

The grocery costs will vary based on your eating habits - whether you are vegetarian or not, as well as the number of family members you have. A couple would be spending anywhere around 500-600 CAD a month.

Healthcare in Canada

If you are a permanent resident in Canada, you will be eligible for Medicare, which is the universal healthcare available to Canadian citizens.

If you are a temporary resident, you won't have the same access and you will need to have private insurance.

The premium packages can be expensive, so when you are looking for a job it is worth negotiating a package with included medical insurance.

If you don't have a government healthcare card, all provinces will provide free emergency medical services. If you have an emergency you can go to the nearest hospital and they may charge some fees if you don't live in that province or territory.

The prices of drugs can be very high, this is why most patients prefer to purchase them online with a discount at My Canadian Pharmacy.

How much is a doctor visit in Canada without insurance?

Without insurance, the doctor's consultation fee could cost between 100 CAD and 250 CAD. One day spent at a local hospital will set you back roughly 4,000 CAD.

How much does travel and transportation cost in Canada?

The price for gasoline in Canada as per December 2020 is 1,213 CAD per litre.

If you are using a car, keep in mind that parking is expensive in Canada. For instance, the parking in downtown could cost you around 25 CAD a day or even more.

Public transit in Canada as of May 2020

Toronto

(TTC monthly pass)

Vancouver

(Compass monthly pass)

Edmonton

ETS monthly pass

Internet in Canada

A low-speed internet connection in Canada will cost you around $50 per month. If you want a high-speed connection, you will have to pay more than that.

Cell phone

The cell phone in Canada (as of December 2020) will cost you 25 -90 CAD per month (4-6 GB per month). If you have your own phone and you are paying only for the cell plan, it will cost you on average around 50 CAD per month. If you want to buy a cell phone which is included in your plan, you will be paying around 80 CAD per month.

Entertainment

The cinema in Canada costs around 20 CAD per ticket.

Gym in Canada

The most popular gyms in Canada are Good life and LA. In these gyms, it will cost you around $50 per month.

Winter wear

If you are coming to Canada just before winter, you will need some money to buy winter clothes. This will cost you around 500-700 CAD per person.

Hairdresser

In Canada these types of services are costly. If you are visiting a good salon, a new haircut will cost you around 40 CAD + tip, it will be around 50 CAD.

Kindergarten

If you are coming to Canada with your infants you will need to leave them somewhere while you are working. This will cost you around 1500 - 1900 CAD and this price may vary in different regions.

If you belong to a low-income household, the government will give you around $500 rebate for the child care per month. However, this depends on your income. If both of you are with high salaries, you may not get this money.

What is the minimum wage in Canada in 2020?

Each Canadian province has a varying labour standard that sets the minimum wage. In the table below you will see the minimum wage rates for each of the thirteen Canadian provinces.

Liquor servers and tipped employees often have a different, lower minimum wage.

What is the average hourly wage in Canada?

The average hourly wage in Canada for 2020 is 31,35 CAD.
Source: https://www.canpay.com/
How do taxes work in Canada?
CAD / per hour/ as of 2020
Each province has its own tax regulations. If you want to know more about the basics of tax in Canada, check out our guide.

Let's face it, taxes are one of the last things that will cross your mind when you decide to move to Canada! However, there are several things that you need to know when you start working there about the Canadian tax system.

1. You will pay between 15-29% income tax on your wages.

2. If you have worked in Canada, you are most likely due a tax refund. You can apply for a tax refund when you file your tax return. If you worked in Canada in 2020, you can apply for a tax refund in February 2021

3. You can expect to receive your refund 16 weeks later- May or June.

4. You can use the tax refund calculator on the right for a FREE estimation of your tax refund

5. The average tax refund with Taxback.com is $998

If you have any questions, you can contact a tax expert for free from Taxback.com who will answer your queries in real-time via instant messenger.

By applying with an agent like Taxback.com you can enjoy a fast and stress-free service. They will manage all the hard paperwork for you and assist you with the entire process.

Taxback.com

will manage all of your tax return paperwork

guarantee to keep you compliant with the Canadian tax authorities

can assist you to locate any tax documents that you have lost

Will make sure you avail of every expense and relief you are entitled to get

retrieve your maximum legal tax refund

can pay you your refund in any currency you prefer and save you money as you won't need to keep a bank account in Canada after you leave the country

The average Canadian tax refund with Taxback.com is $998
GET YOURS NOW

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The Cost Of Living In Canada: A Detailed Guide

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Are you moving to Canada and wondering how much money you will need when you are there? Canada is renowned for its exceptional quality of living but there are many essential things you will need to familiarize yourself with before you make the big move.

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This website is from the Government of Canada. It is supposed to help Canadians calculate their expenses so that they can see how much the spend. It also has a feature of showing people how much they can save as well.

I chose this website because I feel that most people should use it to get familiar with budgeting their expenses when living alone. It also great because it can give tips on how to decrease unnecessary purchases. This is different then the other websites because it is an actual calculator, while the others are articles.

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Video #1: How Much it Realistically Costs to Live on Your Own

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Video #1: How Much it Realistically Costs to Live on Your Own

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This video is about a man named Levi explaining how much it realistically costs to live on his own. In this video, he breaks down his expenses and way he is only paying a certain amount. This is because he lives in a small town and he is only because he is renting an apartment. He states the only his main expenses which is rent, electricity, internet and food.

The reason why I chose this video is because it is different from the rest. He makes the video more of a house tour and takes about his own expenses. Also, I found it interesting that he's only paying about $1,100-$1,200 a month because he learned how to save his money.

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How Much it Realistically Costs to Live on Your Own - Minimalist Living

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Video #2: Tip for Moving Out/Living on Your Own 

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Video #2: Tip for Moving Out/Living on Your Own 

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The summary of this video is about Bree giving tips to people who want to move out on their own. She gives tips about everything that needs to do with living on your own. The most important tip she gave was "set a budget for yourself". She explains how being financially stable is very important especially one your own. So, she highly recommends people to always know what their expenses are and not to buy unnecessary things that will affect their monthly budget.

I chose this video because she gave amazing tips that people should take into consideration when living on their own or thinking about it. It is very different from the other videos because she gave some of her own explains as to why she moved out and wat she is doing to save to pay for all her expenses.

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How To: Tips for Moving Out/Living on your Own!

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This video is about a friend giving another friend a lesson about living on your own and how it is not as easy as it seems. She has to keep all the expenses in mind and remember that they always come one after another. She also has to pay so much and does not have much so she would need to save more. This shows that people should watch this video and learn about all the expenses that were stated to learn more for themselves.

I picked this video because it is different then the other ones. It is a quick animation that will have people thinking if they are really ready to live on their own in only 2 minutes. Also, I found it interesting in the end of the video that if you think is are ready to move, something would unexpectedly happen and you need to be ready for that.

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This video explains to people what mortgage and equity are. It breaks down the each and every step of how to pay off your mortgage. Also, this videos tells viewers how you can increase your personal wealth after buying a house.

The reason why I picked this video is because I want people to get a better understanding on mortgages because it could take a while to fully pay it off if your chose to purchase your own place. This is different from the other videos because, this is a more formal video that explains the basics of home equity. The Government of Canada even uses this video on their website to help people understand better.

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Is a Home Equity Line of Credit right for you?

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The image above shows someone doing some calculations and at the back the piece of paper says "Account Balance". This could be them budgeting what their expenses are for the month so they know what to pay.

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The image above shows a list of household expenses to expect when you live on your own. The list can be longer depending on what your expenses are for the month.

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Question #1: What did you learn about the topic that surprised you the most? 

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Question #1: What did you learn about the topic that surprised you the most? 

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What this topic has taught me that surprised me the most is that Toronto is not the most expensive city to live in, it is actual Vancouver! I was very surprised when I was very surprised because just think about how much it would cost to live there.

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Question #2: Provide a real life example of how this topic is relevant or interesting for you. 

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Question #2: Provide a real life example of how this topic is relevant or interesting for you. 

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This topic is interesting for me because I want to move out of my parents house and get a place for myself after graduation. I know that my goal would happen because, after graduation I plan to go look for a job and work for a year to save up money. After this assignment, I know I would have to save a lot monthly in order to reach my goal!

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Question #3: If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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Question #3: If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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The information I would pass on this information to my family members and friends is they need to budget and be financially stable to move out on their own. They would need to know that in order to become independent and successfully being able to reach their goal of purchasing their own home.