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发表于 2006-10-26 11:54:10 | 显示全部楼层

钱是挣的

最初由[yiii]发布
I think you don't need

. 人保: 42
and you need to decrease the expence

喝茶或其它食用:150 to 50
房贷: 1200 to 800
车贷: 450 to 0
车保: 300(两辆车,一全保,一三保) to 250
GAS: 240 to 100

Good lucky for you and your family, you enjoy so much money and expense, I know many chinese familyu is poorer than you. You guy  make lots of contribution  to government , charity and church.
Please save your expense!!!

See you

不同意去省钱,费那个劲,生活质量下降很多,要去挣钱!!!
发表于 2006-10-26 12:12:43 | 显示全部楼层

开源节流,两头都很重要。

发表于 2006-10-26 15:40:55 | 显示全部楼层
最初由[hulk]发布
......
总计:5150

不过我们收入高一些,两个人税前$120K,税后有近$100K,每个月平均$8K多,剩下的还房款和买满RRSP.

You must be kidding!
8K a month after tax, you need to earn more than 140K, why CRA give you a speical tax rate?
发表于 2006-10-26 15:57:10 | 显示全部楼层
Yes, I agree most of chinese families, my family spent $ 4000monthly.
我们是移民家庭,先让大家看看我们家的每月支出4 口之家,
1. 房贷: 1500
2. 车保: 两辆车, 三保 (160)
3. 地税: (150)
4. 水电气: (350)
5. GAS: (250)
6. 电视电话网络手机: (150)
7. 人保: (50)
8.Child education: 350
9.  吃和杂用: (shopping 600+ outside dinner 150)
10. 房租收入500
11. cloths and other expense 300
12.entertainment 80
总计:(4090-500= 3590)

以上这些是每个月的基本支出,实际上往往超出这个数(有银行帐单为证,每月的支出为4000以上不等)

每月税后收入$6000,可以结余大约$2000

f your family income is lower than $ 3000 monthly,I don't believe you can live in Canada.
发表于 2006-10-26 15:59:41 | 显示全部楼层
我们俩人,每个月的基本费用也需要2000呢(包括学费),但是还没有车!
发表于 2006-10-26 16:16:29 | 显示全部楼层

没觉得你怎么超前,那其实都是该花的钱.

三四口之家,月消费四千多元左右是很正常的.你比一般人只多了一个车贷的费用.房贷加车贷,可能会有一点压力.

另外你的"吃和杂用"的费用少了点,才600元?个人觉得,条件允许的情况下,每周至少一次的外出用餐如同生活必需品,对大人孩子都是不可少的.


三年后,你的贷款付清了,还有别的花钱的地方等着你.那时你收入高了,口味也更高了,可能会想到换一个更好的房子,更好的车,或者带着孩子全球到处旅游.给孩子存高等教育费用,照样很难剩下什么钱.不同的是,如果没有贷款了,你的压力会小一些.多数人都是这么走过来的.

大胆花吧,钱不是省出来的,是挣出来.我们都没有必要为了省俩钱而降低自己的生活质量
发表于 2006-10-26 17:24:36 | 显示全部楼层
well,

I don't know why that family made 120k and the tax was only 20k.(20/120=17%) so low,  supprise!!! any person who has ever filed the tax return knows that is really low.   may I know who is your accountant?

my family expenses: monthly

1. TV, internet, cellphones and home phone          220.00
2. utilities(hydro, water, Natural gas)  350.00
3.  property tax          350.00  
4. mortgage interest:   300.00
5.  maintanence of house :  150.00
6. car financing:                   460.00
7. two cars insurance:          380.00
8.  gas          450.00
9. living          800.00
10. misc.           150.00
11. life insurace: 130       
12. RESP: 300
       
total:          4040

but actual monthly expenses is always more than 4500 dollars.


I am going to sell my house, return the leasing car, move to the small town, and buy a small townhouse. I can not afford to live here in the big city.

life insurance is necessary, to us it is still fresh for those who died in the accidents or whatever, image if they had any insurance, their wives or husbands would not have to ask for community to help. am I right or not? 100 dollars or even less will not make you broken, but will give your love ones a peace of mind. I am not an insurance broker, please don't even try to reach me.
发表于 2006-10-26 17:28:29 | 显示全部楼层
You should keep balance.  You earn 100, then spend 100.
发表于 2006-10-26 19:00:28 | 显示全部楼层

Hard to save money here

Our Family Budget:

EXPENSES:

Mortgage: $1200.0
Property Tax: $206
Utilities: $250.
Auto Insurance: $105.0
House Insurance: $65.
Life Insurance: $28.29
Phone&High Speed Internet: $52.85
Satellite TV: $28.29
Daycare: $1000.0
Gasoline: $250.0
Food & Grocery: $900.0
MISC: $200.0


INCOME

HUSBAND: $2950.00
WIFE: $1950
RENT: $450.0
发表于 2006-10-26 19:18:48 | 显示全部楼层
最初由[bahamas]发布
...
3.  property tax          350.00  
4. mortgage interest:   300.00
...
.

有钱人呀,房子好贵呀,而且好像都快付清了吗。
发表于 2006-10-26 20:08:45 | 显示全部楼层
我们也是三口之家,大家看看我们家的每月支出吧:
1. 房租: 700
2. 车贷: 0
3. 车保: 0(三辆车,一人一辆,因是自行车,省了此项花费)
4. 地税: 0
5. 水电气: 0(房租里已包括此项)
6. GAS: 0(自行车就有这点好处)
7.TTC月票:100-15(退税)=85
8. 电视电话网络: 30(电视是看无线台,其实成天上班,也没什么时间看;网络房东免费提供;只有固定电话需要交费)
9. 人保: 0(一拖就是一年,明天赶紧打电话找经纪)
10. 手机: 10(PAY AS YOU GO)
11. BABYSITTER: 0
12. 吃和杂用: 500(包括每天至少一瓶啤酒)
13. 喝茶或其它食用:1(俺是北方人,喝茶用开水一冲即可,两块钱一包的福建绿茶能喝俩月)
14.孩子教育:100
总计:1426
以上这些是每个月的基本支出,实际上往往低于这个数(有LP的流水帐为证)
好了,现在再来看看我们家的收入:
LP月入税后1820(月月如此),本人月入税后2250(有加班时会多点),孩子牛奶金180,年入(1820+2250+180)X12=51000,每年花费为1426X12=17112,这样我们每年剩余33888,每月剩余约2800(实际上可能会多点,因为没算银行的存款利息还有加班工资,若都算上约3000左右.不买房子就是好,你不用给银行钱,银行反而给你钱:smile
发表于 2006-10-26 20:11:33 | 显示全部楼层
Dear MR. Zhao,

From those messages, I found there are so many chinese families have very good life in Canada. Monthly expense is  more than $4000, which means family gross income is more than $55000. My friend's families which I know all have this gross income after they stayed in canada for three years.

I believe our community should be happy, healthy, progressively and positive.Who want to hear about sad news from our people. Could you set up a survey for family income? this will let our community  know how well our people live in Canada. Please do our a faver. I will appreciate your great help.
  

Yours sincerely,

Yiii
发表于 2006-10-26 20:51:01 | 显示全部楼层
最初由[yiii]发布
Dear MR. Zhao,

From those messages, I found there are so many chinese families have very good life in Canada. Monthly expense is  more than $4000, which means family gross income is more than $55000. My friend's families which I know all have this gross income after they stayed in canada for three years.

I believe our community should be happy, healthy, progressively and positive.Who want to hear about sad news from our people. Could you set up a survey for family income? this will let our community  know how well our people live in Canada. Please do our a faver. I will appreciate your great help.
  

Yours sincerely,

Yiii 在中国移民堆里,这就算康了。和本地人比较,在娱乐上的支出还是太少。温饱思淫欲。该是精神文明建设的时候了。
发表于 2006-10-26 22:04:58 | 显示全部楼层
最初由[阿瑟王]发布
不买房子就是好,你不用给银行钱,银行反而给你钱:smile

前提是房价长期不升

从历史看,房价涨是大趋势,长远来看,买放增值更合算

呵呵
发表于 2006-10-26 22:21:14 | 显示全部楼层
最初由[Vibe]发布


You must be kidding!
8K a month after tax, you need to earn more than 140K, why CRA give you a speical tax rate?
人家就不能一个做专业,一个打现金?或者做生意什么的?
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