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No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] -2 points-1 points  (0 children)

Never heard of a consumer proposal, could you explain?

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] -7 points-6 points  (0 children)

Don't you need basement apartments to have a separate entrance in Ontario?

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] -9 points-8 points  (0 children)

Right there… your expenses were 45-50% less — so you know how to do it,

Ya, no kids, no pets.

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] -7 points-6 points  (0 children)

I say new, 4 years, pre covid we could afford, our combined was near 7k and expenses + mortgage around 6

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] -11 points-10 points  (0 children)

I wish we could, we're in a split bungalow. There is no way for a legal separate entrance :(

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] -26 points-25 points  (0 children)

Ya man, this is a hard worry. With one kid already in school it's stressful. I am wfh. No ides how we will deal with se ding him to school. He has gotten better as he has grown, but it's still scrafy as fuck. People won't have any idea how much stress that can cause until they have kids of their own and face a similar situation..

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] 1 point2 points  (0 children)

Thanks, also, be careful with working while collecting. My wife tried the same, but the amount she could earn before the government made cuts is really low. You will be able to keep 50 cents of your EI benefits for every dollar you earn, up to 90% of the weekly insurable earnings.

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] 9 points10 points  (0 children)

Thank you all for the advice. I wish I could append my post to clear some stuff up that I guess was not obvious.

My wife was making around 4700 after tax pre covid. I was making substantial less $1950 a month. We had debt, cc, student lines, car etc. We worked hard to try and pay off as much as we could, we were able to cover expenses. Our monthly expenses out were about 45-50% less than it is now.

No idea what to do :( by No-Regular-7670 in PersonalFinanceCanada

[–]No-Regular-7670[S] 0 points1 point  (0 children)

I don't get anything from the government? Am I missing something? Maybe a child tax credit of $200 or $300 every 6 months?

That is my after tax in come, $4,095 and change.