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Public transportation is an excellent alternative and it’s how most people get around in a large city like Toronto. In most provinces, you can find more information by contacting the Insurance Bureau of Canada.

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Car insurance can be expensive, but it protects you and other drivers in case of an unexpected accident.

It is the law that all vehicles must be insured and registered. When budgeting, be sure to include all the associated costs such as gas, car loan monthly installments, registration, and insurance. In Canada, people buy their cars new or used, or lease them (a form of long term rental). You can compare the costs of housing in communities across Canada in the city profiles section of the Canada Mortgage and Housing Corporation (CMHC) website. This is typically20% of the purchase price of the house from your own money.Īdditionally, you will have to factor in property taxes and household insurance – if it’s a condo you’re buying, allow for additional costs, like monthly maintenance fees. Before qualifying for a mortgage you will be expected to have a downpayment. To buy a home in Canada you will probably need to get a mortgage. You can find useful information here for first-time renters in Toronto, Vancouver, and Winnipeg. Remember to check whether the rental cost includes utilities like hydro, heat and water. According to padmapper, the same size dwelling in Vancouver is $2,200.00, while in Winnipeg it will cost you $970.00. Toronto remains the most expensive place to rent in Canada, with the average cost of a 1 bedroom apartment reaching $2,300.00 per month. Rental costs vary widely between cities across Canada. For example, in Canada, the cost of necessities: home/accommodation, heating and utilities, food and clothing, health insurance, and transportation can consume 35 – 50% of your take-home pay. Even if your salary in Canada is higher than what you earned back home, Canada’s cost of living may be higher than what you are accustomed to. Like many other aspects of living in a new country, your financial life in Canada may be very different than at home.

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How to budget for your life in Canada: The necessities

A budget doesn’t have to be difficult, and budgeting doesn’t mean you have to sacrifice or give up more than you would normally it simply allows you to manage and know where your money is, which can also reduce stress. It allows you to keep track of, plan and balance those two streams, while putting a little aside for the future or unexpected emergencies (savings). To manage these expenses, especially in your early months (while you are looking for employment, for example), you’ve got to manage your money by creating and sticking to a budget.Įssentially, a budget is a comparison of how much money you have coming in (income) and how much money you have going out (expenses). In Canada, the costs associated with housing, transportation, food and entertainment can vary from city to city and are likely to be very different from what you are accustomed to at home. No matter where we are in the world, each of us has to balance the number of rupees, pesos, or dollars we have against all of the various living expenses in that particular place. Budgeting in Canada: get off to a smart start So, to make your plan work you must also understand the financial implications and how they will affect your life in Canada.įrom our own experience, and from the shared experience of many newcomers, we know how important financial success is: The basics of covering expenses, building credit and saving for the future starts with budgeting. Many of these considerations come with an associated cost. There are important things to consider before leaving: documentation, accommodation, healthcare, transportation, food and clothing, insurance, schools and more. It takes planning and preparation to make it a truly successful journey. It takes commitment, determination and resolve to leave one’s home country behind to start a new life in Canada.

Your international student success guide.

Transfering money to, from and within Canada.

Best Canadian bank account for newcomers.

Newcomer’s Guide to Immigrating to Canada.

Guide to Canada’s Provinces and Territories.

Frequently Asked Questions about working in Canada.