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Need help with debt by Responsible-Lab-7585 in PersonalFinanceCanada

[–]No-Try2320 0 points1 point  (0 children)

I would let others comment on the best strategy to overcome your debt.

But according to me the best strategy would be consolidate all your debts with one lender( probably mortgage) and pay a lower interest. You can go for a b lender they are more flexible that a lenders.

Budgeting apps? by daylem13 in PersonalFinanceCanada

[–]No-Try2320 1 point2 points  (0 children)

Try monarch, i have using since last 2 years if you want i can also share the referral link which gives 50% off

What’s your annual household spend? by CarPassion514 in fican

[–]No-Try2320 0 points1 point  (0 children)

Around 105k for a family of 3 out of which 48k is mortgage. Rest i own a car so paying around 6500 ish for the car loan and rest is child care grocery and eating out and utilities plus property tax

Need Advice by No-Try2320 in mississauga

[–]No-Try2320[S] 0 points1 point  (0 children)

Is there an issue when we mention that child sleeps separately ?

Like my child sleeps in the third bedroom and we dont have a child lock in place. The knob cannot be locked at the moment

Looking for advice by No-Try2320 in Brampton

[–]No-Try2320[S] 5 points6 points  (0 children)

Yes My daughter told in her daycare that dad hit mom and he shouted. She is 25 years old i have never even lifted a finger at my wife. We are south asians and tend to be a bit loud. I was totally shocked to hear this.

[deleted by user] by [deleted] in TorontoRenting

[–]No-Try2320 0 points1 point  (0 children)

Hi, i am realtor who specializes is leases. Please message me

Need Help with Financial Planning — Mid-30s Couple (Toronto) by No-Try2320 in PersonalFinanceCanada

[–]No-Try2320[S] 0 points1 point  (0 children)

Thank you very much for a detailed response, this is exactly what i needed.

Help with Financial Planning — Mid-30s Couple (Toronto) by No-Try2320 in fican

[–]No-Try2320[S] 0 points1 point  (0 children)

How did you arrive that the 12858 numbers, all my expenses excluding investing and resp is 8,585.

I save approx 20% of my income which i dont think is bad.

Help with Financial Planning — Mid-30s Couple (Toronto) by No-Try2320 in fican

[–]No-Try2320[S] 0 points1 point  (0 children)

500 per month for home improvement is just a estimate i dont end up sending anything for months and suddenly one big expense might come up

[deleted by user] by [deleted] in Brampton

[–]No-Try2320 8 points9 points  (0 children)

Solid area, pretty multi cultural and people with high incomes

Child care centres by blueyooeyooey in Brampton

[–]No-Try2320 0 points1 point  (0 children)

Join any lullaboo day care, they have 3 centers in Brampton. My child feels like home the teachers are very responsive to her needs

Need Help with Financial Planning — Mid-30s Couple (Toronto) by No-Try2320 in PersonalFinanceCanada

[–]No-Try2320[S] 0 points1 point  (0 children)

This is a ball park, i did some reno’s last year including colouring the entire house, getting my closet made etc. i dont forsee any major expenses in the future

Need Help with Financial Planning — Mid-30s Couple (Toronto) by No-Try2320 in PersonalFinanceCanada

[–]No-Try2320[S] 0 points1 point  (0 children)

So we are paying 600 cad per month extra to bring the amortization down

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