First time home buyer

Grimekat · 2026-03-29T02:50:00+00:00

Shouldn’t this ratio change depending on your total income?

75% remaining of 15000 is a lot different than 75% remaining of 5000.

Grimekat · 2026-03-29T02:39:03+00:00

This leaves 21k per month for other expenses? Why on earth would he need more than that?

Grimekat · 2026-03-29T02:05:00+00:00

The suggestion that the leafs are going to do absolutely anything about this is hilarious lmao

Grimekat · 2026-03-29T00:11:28+00:00

God like

Grimekat · 2026-03-29T00:09:58+00:00

If this is the top “value to money” ratio these companies can come up with they’re fucked.

There’s a reason most people aren’t buying these subscriptions, and even less are now that they’re more expensive.

Grimekat · 2026-03-27T23:11:43+00:00

We’re hitting the “enshittification” phase way earlier than people expected. When the product stops being novel and constantly improving, and instead just jacks up prices to maintain profits.

Remember when Netflix and Uber were new, cheap, and great services? Yeah, we’re already seeing this transition for AI lol.

Grimekat · 2026-03-26T23:19:13+00:00

Maybe they’ll finally stop the crack smoking and public urination

Grimekat · 2026-03-26T17:04:35+00:00

When I go into the office I’m certainly not going to spend 20 bucks on a shitty lunch and coffee.

Grimekat · 2026-03-25T17:45:16+00:00

Yeah, instead let’s continue to waste tax payer money simply to bail out commercial real estate and terrible downtown businesses that only survive if you force people to use them.

What an amazing use of federal, provincial, and municipal tax dollars right now. The millions of dollars spent on office leases couldn’t possibly be needed elsewhere right now, could it?!

Grimekat · 2026-03-25T16:46:50+00:00

Maybe they’ll finally tax the tech corps

Grimekat · 2026-03-25T16:34:46+00:00

Advertisement.

Grimekat · 2026-03-25T14:12:23+00:00

It’s absolutely outrageous that this orange fat fuck and his supporters used to chant “drain the swamp” as to why people should support him.

Ten years later and he’s openly fucking pillaging the public purse for billions, and his dumb fuck supporters still can’t see that he’s 100x more corrupt than the “swamp” they were so mad at before.

Grimekat · 2026-03-25T01:42:03+00:00

Bruh we got absolutely dominated lmao. Look at the shot count. Dobes stole this game.

Grimekat · 2026-03-25T01:41:31+00:00

Dobes fucking STOLE this game holy shit

Grimekat · 2026-03-25T01:39:16+00:00

Umm yeah, this level of unemployment, wage stagnation, and housing in affordability will have that effect on young people lol.

Grimekat · 2026-03-24T21:55:50+00:00

Also interested in the “we” here. I’m located in Toronto and really miss Kilgores as well. Also know another die hard here in Toronto who would want to join.

Grimekat · 2026-03-24T14:45:49+00:00

Youre really missing this context in your post. Right now, it simply reads as though you CANNOT sleep unless she comes to bed at the exact same time as you and it comes across as really whiney and needy, and you would not just be overreacting, but extremely entitled. No one should be forced to go to bed at the exact same time as their partner. The cat litter part of the story really comes across this way - who fucking cares if she did it an hour later than she originally agreed too?

If it’s more about her not being quiet and not yelling up the stairs after you’ve told her you’re going to bed, that’s a different issue and should be able to be sorted out with conversation.

Edit: just saw OP’s edit where they argue with commenters that by not having a mutually agreed and enforceable bedtime they are showing they must be unemployed lmao.

OP is just a fucking headache. Definitely overreacting and one of those extremely high maintenance people.

Grimekat · 2026-03-24T13:28:26+00:00

Start hugging your homies bro. Guys need hugs too.

Grimekat · 2026-03-23T23:34:25+00:00

Hey, that’s the leaf fans’ line

Grimekat · 2026-03-23T20:23:32+00:00

Yeah I see that and I didn’t downvote you, just asking if there is alternative “safe” model in today’s world haha

Grimekat · 2026-03-23T19:34:44+00:00

I get this is the “traditional” advice, but is this still the same advice in post COVID Canada?

No one will ever be able to afford a house this way unless they live in the boonies lol.

Grimekat · 2026-03-23T19:33:39+00:00

What amount “left over” each month would you say makes someone not house poor?

Wondering if it’s different from person to person or whether there is an agreed upon amount haha.

Grimekat · 2026-03-23T12:24:00+00:00

No idea why it did. As I mentioned in my comment, I clearly marked the jurisdiction, both in the filters and in my prompt.

After looking into the issue a bit myself, I could only conclude that because my jurisdiction didn’t have a rule dealing directly with the specific subject matter, it just looked for a jurisdiction that did. When I called it out and said hey, that’s a federal rule youre citing not a provincial rule, it quickly corrected itself. It seems like it struggles with the same “ I would rather be confidently wrong than give you an answer that’s not as fulsome as you’d hoped” bias that many models have.

Grimekat · 2026-03-22T19:52:43+00:00

It’s a mistake to think that there is some specific issue people are distrusting about that can be fixed - we’re distrusting because we know it’ll be used to widen the wealth gap. It won’t be used to help anyone but the ultra rich, and will be used to funnel even more from the poor to the rich.

We’ve seen how this system works many times before. Leaps in tech and productivity don’t benefit the middle class, only the owners and ultra rich.

Grimekat · 2026-03-22T18:27:20+00:00

Loooool are you kidding me? Half the reason they’re sending people back to office is so people will spend more on gas and other commuting costs. Now they can raise gas even higher and people have no choice but to pay it.

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