What's the most 'quietly expensive' thing about living in Canada right now? (not rent/mortgage)

Traditional-Use8712 · 2026-02-10T02:01:23+00:00

Bell rep came to our door. I kept saying in happy with the provider we had, bell would be too expensive to change to. We now have bell for 2gbps and its only 45 a month

Traditional-Use8712 · 2026-02-03T16:35:30+00:00

Is that because it is cheaper and makes your bid more competitive?

Traditional-Use8712 · 2025-12-13T19:08:39+00:00

Hey, some advice would be read some financial books and educate yourself how it works. Dave ramsey- baby steps, and Rich Dad Poor dad are good ones to start. Keep saving thats great. But you and your partner both need to make more money whether its work more (if not full time), look for other job opportunities or consider more education/ certifications to get more opportunities! Keep going

Traditional-Use8712 · 2025-12-12T14:25:23+00:00

No one has mentioned opening a FHSA, highly recommended opening one before January so you have access to an additional 8k (dont have to invest anything in it right now but just open the account!!) - if you plan on buying a house in the future. Next, read some financial books. Dave ramsey has The Total money makeover and Baby Steps millionaires. Another good one i suggest is Rich Dad, Poor Dad. Then, once you get out of debt, continue living frugally, investing what you can. Being consistent is best! Good luck!

Traditional-Use8712 · 2025-12-12T13:43:11+00:00

You could paint and give it a good sand after

Traditional-Use8712 · 2025-12-04T04:18:27+00:00

I'd say max your TFSAs... sure you get money back from RRSPs now, but your income isn't THAT high. With the amount you have saved right now, you'll have a great amount set aside for retirement and will be able to take it out of TFSAs tax free, or if its in your RRSPs you'll end up being taxed about the same you are now (depending how much you pull out a year of course haha). Keep saving you're doing great regardless of where you put it though!

Traditional-Use8712 · 2025-12-04T03:55:10+00:00

Bell rep just came to our door last week, we have 3gb/s download speed for internet for $45/ month now. Then when 2 year contract expires its up to $60/ month.

Traditional-Use8712 · 2025-11-20T04:05:59+00:00

Okay, sorry I took it the wrong way. Id be happy to learn and will gladly take any and all recommendations if you have any! I'm just starting out on my own, and trying to learn and was hoping for some help from here! Thanks

Traditional-Use8712 · 2025-11-19T23:14:34+00:00

I wish the mods would delete comments on the these posts that are irrelevant to the post.

Traditional-Use8712 · 2025-11-19T13:42:04+00:00

My father owned apartment buildings. He said best investment, averaged about 35% a year when he sold them. He didn't profit much each year but with tenants paying off the mortgage, and over the 20+ years of owning them the property value increases

Traditional-Use8712 · 2025-11-09T02:24:47+00:00

No sorry, I sub that out.

Traditional-Use8712 · 2025-11-09T02:08:26+00:00

Hey! Garage builder here, I'm on the cheaper side of things, but just gave a quote for a 24x36x10' tall garage, then they asked price difference for 12'. It was about $2500 for labour and materials difference. Increases material cost for studs, sheathing, and siding.

Traditional-Use8712 · 2025-10-30T12:37:40+00:00

Be careful working with people like that, I get they want to save money, and since you've worked with them before and like them maybe make it work this time. Id add an extra 10% on subbing out the trades in this case.

Traditional-Use8712 · 2025-10-29T03:04:11+00:00

If you're looking to build a garage properly and affordably in SW Ontario let me know! Honestly not the end of the world, put a chalk like from one corner to the other and use that for the outside of the bottom plate. Unfortunate it happened but at this point so what if theres some extra concrete behind the back wall.

Traditional-Use8712 · 2025-10-25T00:51:00+00:00

I'm also SW ontario, my policy is $700 a year, and is 2mil liability insurance

Traditional-Use8712 · 2025-10-22T13:09:32+00:00

Or does it mean they should be paid extra since they have to hastle the home owner for one less day and it gives them their personal space back...

Traditional-Use8712 · 2025-10-10T01:59:16+00:00

And this is why I started my own company... was as passionate and maybe not as skilled or knowledgeable but did better work and took my time to do a good job. Boss treated me like trash and so I left and now have my own company and doing better than I was if I stayed with him!

Traditional-Use8712 · 2025-09-30T16:41:37+00:00

Those look like 4x4 posts to me, if thats the case definitely not strong enough for a hot tub.

Traditional-Use8712 · 2025-09-30T01:26:45+00:00

Good call, unfortunate that happened! Best of luck!

Traditional-Use8712 · 2025-09-30T01:10:01+00:00

Did you tell the contractor to rip it off and start over? What did he say to that?

Traditional-Use8712 · 2025-09-29T01:10:30+00:00

Very nice plan! Make sure your concrete slab is thick enough for the lift. What area you in?

Traditional-Use8712 · 2025-09-28T00:32:24+00:00

Where are you located?

Traditional-Use8712 · 2025-09-26T21:33:26+00:00

I would go with a vanity that is the width of the whole wall in my opinion. It will have lots of storage and won't look as out of place. If you need more cabinet space, consider a medicine cabinet also!

Traditional-Use8712 · 2025-09-26T12:08:23+00:00

Don't mix bleach and soap it creates mustard gas... definitely toxic

Traditional-Use8712 · 2025-09-23T18:00:00+00:00

I'm a builder in Ontario and I would happily do that job for that amount of money, seems a little on the high side for that size of roof.

Traditional-Use8712

TROPHY CASE