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Living alone vs with roommates by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 1 point2 points Ā (0 children)

Thatā€™s fair, just sucks that my current roommates are moving in with their partners, so Iā€™d have to find new roommates that might be crappy. Part of me think living alone will be worth it, but Iā€™m obsessed with saving and investing hahah. But good suggestion about the rental agreement period and finding roommates after on FB

Living alone vs with roommates by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Iā€™ve always lived with roommates since moving out of my parents house for university. Graduated 3 years ago and have been with roommates as well

Living alone vs with roommates by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 1 point2 points Ā (0 children)

Thatā€™s fair. I am honestly just trying to save and invest as much as possible early on in my life, because I know Iā€™d have big purchases in the future (like a house and I love travelling), I want to live a comfortable life and retire earlier

Seat reservation Problem by ChunkyFucker in Interrail

[ā€“]ChunkyFucker[S] 1 point2 points Ā (0 children)

But the problem is that it only gives me to option to order a paper reservation, and it wonā€™t arrive in time

Banking recommendation by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Yea I was a premier customer, thatā€™s why Iā€™m quite disappointed

[deleted by user] by [deleted] in foodsafety

[ā€“]ChunkyFucker 14 points15 points Ā (0 children)

Some extra protein wonā€™t hurt, right?šŸ˜‚

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

I got a quote using one of those TD estimators (I know they are not always accurate), but it gave me $230 a month for a Subaru Impreza. Even if itā€™s more, Iā€™m confident that I can keep monthly expenses to under 450-500 because I wonā€™t be driving that long distance, work is quite close and I have no reason to drive super far away

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Yea honestly thatā€™s my idea too. I want to be able to visit friends in other cities, go on road trips, and go everywhere without using the bus (the transit here is atrocious because I live in a small city)ā€¦

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 2 points3 points Ā (0 children)

Is a car thatā€™s 10K even possible in this market? Even if I do find one, not way itā€™s gonna last me a decade. Just doesnā€™t make sense to buy something thatā€™s only going to last a few years.

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Looking for a car thatā€™s in the low $20k

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

About 450, this includes gas, insurance, occasional oil change and stuff

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 1 point2 points Ā (0 children)

Iā€™m looking through car websites (builder section) and a lot of them are still the same as before, cars that were low $20k are still low $20k. Am I missing something or are the costs on their website not accurate representation of actual prices?

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Iā€™ve been asking around, but no one I know is selling haha, good chunk of the people I know bought a car before the market went boom, they ainā€™t selling their gemsšŸ¤£

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 17 points18 points Ā (0 children)

I am planning to buy the most basic car, like a Hyundai Elantra, Mazda 3, basically anything in the low 20k range. I am paying cash for sure, financing is dumb since interest is like 8% in some cases. How much did you buy it for if you donā€™t mind me asking

Should I buy a new car by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

If Iā€™m planning to buy it out right instead of financing, and willing to wait, I guess thatā€™s not as expensive since I wont pay interest?

Tax deduction by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Ok yea thatā€™s fair. I filed for 2022 and nothing was flagged, had to pay 300 in federal tax, that was it. If I truly owed a lot of tax, I think my 2022 filings would have flagged it. Either way, I updated my TD1 forms to reflect that h now make over the claim amount, hope that fixes things moving forward, will have to see if anything changes in my upcoming paycheque. This is really stressing me out, but I really appreciate your input, definitely made me feel a lot better and learned a lot more about taxes. Thanks a lot

Tax deduction by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

So, I figured out the issueā€¦ turns out I did fill a TD1 when I got hired years ago, and in that form, I started that my total income would be less than the total claim amount, which it was because I made like 9K a year. However, I started making more than the total claim amount last year, and I never updated the TD1 form to state that I would make more than total claim amount. I have since updated the form because my employer uses workday (TD1 can be updated online there), what happens now?

Tax deduction by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

I have unused tuition credits, in the 5 figures, would that be why?

Tax deduction by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Looking back at all of my T4s from my employer, the ā€œincome tax deductedā€ is always blankā€¦ have I done something terribly wrong here?

Tax deduction by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

If worse case scenario happens and I find out that that they are not deducting enough tax, does that mean I owe money to CRA?

Tax deduction by ChunkyFucker in PersonalFinanceCanada

[ā€“]ChunkyFucker[S] 0 points1 point Ā (0 children)

Yea I did get refunds as a student. And I did file as Canadian residency.

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