| Back to logs list
135240 2010 年 09 月 05 日 09:30 Reading (loading. ..) Comments (0) Category: Personal Diary
Friends of the recent visit to a family of three in Toronto, asking how much money should I bring a year's expenses for the whole family.
While many pointed out that a family of three on the landing guidance should carry at least C $ 15,000 Canadian dollars, but this talented C $ 15,000 which is it? to maintain what kind of life? These are friends concerned about. Of course, the more money with a better, but the appreciation of the RMB is facing, you do not come off the whole side? Domestic property whether or not to sell, and so are some specific issues.
coincides with the end of the year, I also took the opportunity to take stock of what the revenue and expenditure situation of their own way to answer their questions.
this count does not matter, one count really shocked me: We are landing in August 2004, landing with a total of about C $ 40,000 Canadian dollars. After-tax income in 2004 of about C $ 3,000; 2005 couple of years, we pre-tax income of approximately C $ 53,000 Canadian dollars, excluding tax, should also remaining approximately C $ 41,000. However, so far it not only earned more than 40,000 full-spent, and paying the money from the domestic shortfall caused by a C $ 20,000 Canadian dollars. That is, we landed from August 2004 until January 2006, the 1 year and 5 months in total spent 60,004 thousand Canadian dollars.
these flowers to where the money went to do?
rent
we moved three times total.
first C $ 2,500.
house is not very new but very clean, furniture is also complete. The landlord is a middle-aged single women, immigrants from the mainland, a nice guy, never had our limit laundry, cooking, and often drove us out to buy rice noodles to buy something. But there are two things that we talked about a good time renters: no tax; charge one month rent, move out to say hello to one month in advance.
2004 年 11 mid-May, I took a job near the airport. Location very partial, can not find Carpool, but I need this job to break the So, no matter how hard I am also determined to do. I get that driver's license in September, is that there are the children, but who never driven a car on the car, the right path and have no sense of direction. At that time, her husband broke his leg and can not drive. So I dare not speed, but to the east every morning from Scarborough along the Finch has been open to 427 and then north to Bolton. Rush hour, one-way often lasted 2 hours. Day of cold, sometimes snow Cross, in the staged several Because of rent set by the second rule when we lived here only 4 months, 5 months but paid the rent. First, we are all man of honor, not to mention raising her own room a woman, strange is not easy. Second, away from home, make friends is very important.
second
daughter had intended to take over after a long stay here, so good after her husband's legs and also in the vicinity of a job. After all, is man as day count, early February, because of political struggle, I did that project was shelved, so I Contract will be over. I made a two-week blitz resume, and toss for a month,
nike air force one, 3 months received a second Offer, the work can be returned to Scarborough, so I began the day a big diversion from west to east.
a chance, her husband's friends say they live in a ball of Coop Apartment Bedroom happen to have an availability, the surrounding environment is very good from where I work is relatively recent, the key is to rent cheap, only 718 per month water and electricity package, just need the summer grass, sweep the corridor each week. Thus, we submitted the fastest application and set this apartment. Of course, is not the end, we have the added pay a month's rent. Our landlord is the second mainland immigrants, somewhat sorry, they had some furniture and a used computer to give us all, although not new, but the layout of it is pretty warm, the key is to have that computer, save We grab a notebook every day.
third
this point, we are the largest item? rent spent on a total of 14,630, plus moving expenses, each time moving into the floor when the washing, whitewashing, Norway Cable, move the phone costs, considered a 15,000 only many more.
car
G2 driver's license We are both one-off, where the cost of:
General Certificate: 245;
Registration fee: 10;
Translation Notarization domestic license fee: 40;
G1 written fee: 60;
G2 road test fee: 40;
G2 road test eventual rental of vehicles: 90;
? ????????????????
Subtotal: 485 (per person);
books costs (traffic rules): 25
two Personal Total: $ 995
G license test again we did not please coach, his practice, and her husband Xiankao, a total of three test passed; because of his experience and lessons lay a foundation,
nike air force 1, I was a through each time the 75 examination fee, both total: $ 300.
bought my first car: Toyota Camry 90 years,
began positioning to buy American cars, Budget 5-7 thousand; helplessly watched a good few more, because of this or that reason did not buy into. One day chance to see 90-year Zheliang Camry, the car is a bit old, but still the line a few kilometers, more than 170,000. A little rust, but the engine sounds good. Owner asking price C $ 1,600; test and found a little before the suspension problem and needs to change. We counter-offer of $ 1,000, he immediately agreed. Anyway, not expensive, so buy this car. Came to the garage for front suspension, security, transfer, pay taxes on the license, assorted and spent almost $ 650. Later, her husband crippled his leg to repair the car at home bored? He polished all the rust out of place, and then fill holes, sanding, anti-rust spray, spray paint factory, and finally actually dry clean and repair these vehicles net, not labor, materials took about $ 100. In winter, for insurance purposes, we spent $ 350 for a timing belt, ignition coil, oil seal and so on. Still later, spent $ 430 for a brake pipe, spent $ 120 for two front tire, with replacement oil, repairs took about a total of $ 2,000. Perhaps the loss of the car we bought, but we are feeling it Tingyou? Is it with us to find a first job, with the first in Canada, we spent a cold winter.
buy a second car: 98 years, Lexus ES300, took down the entire system spent a total of C $ 14,100.
moved back to Scarborough, I have to work to sit TTC. Despite the short distance, but fell two car some distance away, one-way on the road to spend about 40 minutes to 1 hour. This spring I was pregnant with her second child, daughter June, will then come. Summer Camp daughter is not too far, but also down twice car. President can not pick our office hours, so every day I braved the sun, With the second of the stomach, pulled down 4 boss car lasted a half hour to get home. This quite a month, we decided to buy a car. Looks around, just bought this one: 98 years, Lexus ES300,
nike air force 1 high, 14 million km, the highest configuration; the final transaction price of C $ 12,500; plus all other costs, we have altogether spent in this car C $ 14,100.
Car Insurance: $ 2708;
2004 年 10 月 -2005 In February, a total of 5 months: 90 in a car Camry 150 / month, total $ 750;
2005 年March -7 April, a total of 5 months: 90 in a car Camry, 130 / month, total $ 650;
2005 年 8 月 -9 months, a total of 2 months,
nike air force one high, 90 years Lexus Camry +98 two years car, 399 / month, total $ 798;
2005 年 10 月 -12 months, a total of 2 months, 90 years of two Lexus cars in Caramel +98, 255 / month, total $ 510.
gasoline: rough estimate of C $ 5000-C $ 5500;
difficult to accurately calculate this, we ran out of people like, together with her husband to work distance, and every Sunday we go to Mississauga Chinese Catholic Church on the pasture classes, so the fuel in recent months from the record, about a month on petrol are between $ 250-300. Add up the 5 Great Falls (with friends), the two Algonquin, a honeymoon lake, and fishing weekend, the money spent on gasoline was estimated to have: C $ 5000-C $ 5500.
So, we spent the second largest item? car, probably in the money: between $ 26,103-26,603,
air force one low nike, take an integer, calculated as C $ 26,000 better.
remove rent daily expenses, monthly expenses include:
Cable, telephone,
nike air force one low, mobile phone: 130
Life Insurance: 250 (2005 January)
Food + Daily Use: 350
???????????????????
Monthly Subtotal: ; $ 730
year and 5 months total: $ 11,160; rounded counted as: C $ 11,000.
skills investment
my expertise is in supply chain management in the country from the import and export, to the warehouse management, procurement, planning, ERP implementation consultants are all done. Although there are more than ten years of foreign work experience, but one sentence:
full-time school, not for me: on the one hand, the main management areas feel separate from the actual business environment, it lost most valuable knowledge resources; the other hand, a family population, such as the MBA program I can not afford to have no energy to read read. So to start with some basic professional certification begins. In short, this is a long-term career development plan, whether in China or in Canada or anywhere in the world, to once and for all with an expertise system is unlikely to eat the world. So far, I have invested about C $ 2,500, next year will continue. Mr.
physical trainer in the country is, associate professor of reading is already a master. Here in Canada found that domestic physical mechanisms and radically different design for your career is temporarily not figure things out, it works the first practice with the English name of step by step slowly. Taking into account that next year I want to raise children, family income is reduced, he just spent $ 240 exam, a forklift license, learn welding for $ 1,000, intended to find a Part time workers needed to support their family. This is his disadvantage is his advantage? Although not all things are considered, but by no means clear-cut. Sometimes life is like that? Now turn to choose your destiny, not the fate of your choice. Only we can do well prepared and patient.
Therefore, education and professional skills investment is $ 3740.
other expenses
we know that first came to the first three months, the medical card is not in force, but relied on young, healthy, did not buy any insurance, thinking that would not be so But precisely here is a problem. Early October, when Mr. broke his leg playing, and our medical card to the end of November to take effect, so the X-ray matter, on the plywood you, a cast friends, doing flower like the correction of about C $ 1,100; it would be a lessons from it.
pick up their kids back in June, Toronto? Beijing non-stop ticket: 1 Queen + 1 Zhang children from single person: $ 2,240. Expensive at this price point, mainly because we booking late, with June is the peak season.
home to their parents and relatives and friends to buy gifts: about $ 2,000. Parents are older, we do not in the side, and ultimately around the relatives and friends to take care of trouble, so try to think of can think of, what you could people not rare, but the mind must be to.
daughter 9 weeks of Camp + Daycare: $ 1,750. Camp in general not so expensive, about $ 35-75 per week range, there are free; However, parents must register at the March on. We did not experience, so think of it, when basically all full. Again, her daughter's health card has not yet entered into force, even if there are places also do not want to receive. Mr. and I both work, have considered is not her first on the elderly home. But then I thought, this is where she spent the first summer, we why before school starts in September to take over her is to give her an adjustment period. So, asking many of the YMCA found the Camp, you are expensive, but the weekly themes? What sports you, Art friends, friends of what the field scout training, the most crucial point, they accept that we bought for her daughter temporary health insurance plan. It now appears that we had to spend the money is worth it, two months, the daughter learned basic English and how to get along with others, to go to school to adapt quickly.
Digital Camera: C $ 710. His son was born soon, domestic grandparents, grandma grandpa every day looking forward to. Just bought a digital camera for recording that exciting moment, but fortunately the first time sent back to them.
string tied to her husband's tennis device: C $ 700. Husband is engaged in sports, love of all kinds of sports, especially fond of tennis. Frequently interrupted his string, each tied to the Sports Check have to wait for several days, which makes it really upset. So we and all kinds of sports equipment in the ebay site-specific search around and finally found the device sets professional tennis tie strings. Now, her husband occasionally tied to strings tied to other people earn in two mites, but mainly for themselves. Although this thing for the new immigrant families, complete a
son will be born, and his little bed, Car-seat, small clothes, small toys are friends do not need to give our children grow up? children grow strong through hundreds of clothing We also bought him is just to buy diapers, not the nerve to put any money into account in a small guy's head, put 0 for the time being, right here.
there are other expenses, such as the money her husband joined the tennis club, venue rent money playing the winter, morning tea, communication friends, buy clothes, friends, etc., do not remember it, and think maybe and daughter with our tax rebate to offset the monthly milk metallographic it, do not spend in a month is digested, there will not go After looking at the.
other family expenditures: approximately C $ 8,500. and proportion of total spending
In summary, our family from August 2004 to January 2006 before the proportion of total spending and distributed as follows:
the proportion of the average monthly cost of the project expenses (%)
car rental 15,000 882.0 23.35
day 26,000 1,529 40.47
11,000 647.0 17.13
skills 3,740.0 220.0 5.82
other 8,500.0 500.0 13.23
Total 64,240 3,779 100.00
view, just as my mom always nagging it: we are not really the kind of people who live the General Assembly, perhaps, we should give more consideration to the issue of buying a car to consider, perhaps, we have to change to change wasteful spending way of money, maybe ... ... maybe too many things, it seems the budget next year to do all that work.
New Year's bell sounded fast, her husband was an exploration point of view too far our financial expenditure report, said something very crude but very classic words:
Hey, money is the son of a bitch spent a longer earn!
label rent real estate in Toronto, Canada immigration
MBT Tenga High Boot
Linear Mode
