我地係2020 年買屋 當時2個人年薪十萬多少少 只儲左10% 首期 然後好彩地係BC 買左house Mortgage 1.64% tax 今時今日我人工18萬左右 仲係BC Take home ~ 10000 Mortgage 4600 ( 選擇double pay mortgage ) 其他3000 儲錢 2000 Just for reference Not trying to brag Family of 3
I am from Mainland China, and came to Canada twenty years ago. During that time, I found many people from Hongkong were able to buy a property in Toronto very easily because the price was really cheap. However, Toronto's property price increased three times or even more in last two decades. Except you have enough money brought to here, and buy a house, it is pretty hard to make a living here. For those working class, Alberta is a better place to go, particularly Calgary and Edmonton.
Don't worry, when you retire are have CPP(pension), Old age pension, GIS pension. Also you can apply lower income housing (or senior housing). No need to buying a house. Keep your rental invoice for income tax refund.
西人都冇會個個冇儲錢噶，一風吹草動難道直接上街躺做homeless仆街佐就系自由乜? You simply underestimated the entire western economic system. It doesn't mean that if you stay in Canada you don't need to manage financial risks at all.
All Oil. After spending my youth in the West, I never thought about leaving HK. We have the freedom to do whatever we want and visit anywhere we want in the world apart from cursing CCP. Earning a first world income, while able to buy goods and services at China domestic prices plus hiring domestic helper at 3rd world prices. HK is already heaven on earth.
12% + 5.x% + 1.6%, much less than I expected. I have heard only getting half because of good benefits like free medical. I am working in the states. I am paying more than 20% income tax. Moreover, 10% sales tax and over $11K property tax annually, plus high medical and dental fees.
CPP, EI, 唔應該當稅收咁睇. CPP 將來可以收番. 我幾十前供咗總共大约七萬, 而家退休每月攞一千(net of tax), 一年收一萬四or 萬五. 十年就收番超過十萬. 重有政府会俾 OAS老人金, 留加四十(每十年有二十五巴仙)年会有max OAS 每月七百(approximately). 我而家六十五歲總共收緊政府每年二萬加幣. 再加老婆個份. 😂😂當然唔够喇, 不過重有公司退休金. 咁就够有餘喇. 呢度唔使留$$俾任何重病, at least under the current health system.
Eventually, you will get used to the cold and set the thermostat at 18c-20c and save some money on heating. =P Newer homes let you control individual area/room heating so you can set the tempurature lower for rooms you don't use. Just remember, when it is about 5 degrees outside and getting colder, to at least keep the heat at 10-15c so you pipes won't freeze and burst. =)
and it is cheap in van ? I don't think so. 30 years ago, housing in van was decent and IMO cheap. today, it is even worse that HK and the general living cost is actually higher too. with the improvement of connection with mainland china, living there and working in HK is a very viable option now.
@@janiceho6034 try to do that using after tax income and compare. IOW, what % of after tax income is paid for rent ? and how easy it would be to get into public housing(and cost). and general living cost ? again look at after tax income and don't forget that 5/12% tax + tips. I have been living in these two places kind of 50/50 time split for the last 25+ years so knows first hand of the comparison. don't need those 'stat' figures.
I'm earning around $200k this year in Australia, meaning my tax rate will be 45%..... So your tax actually isn't that bad at all. Hope it makes you feel better 😂😂
很簡單，一個沒有孩子的兩口之家，每年稅前收入至少需要10萬加元（或每人5萬加元以上），才能過著加拿大本地人的中下層標準生活，即每人每小時高於最低工資至少10加幣。 目前，最低工資為每小時 16.55 加幣。 依照同樣的生活標準，中下層單身人士每年需要稅前6萬加幣。 一個標準中產的單身人士至少需要稅前8萬加幣，一個3至4口的中產家庭需要15 - 18 萬加幣。 要以60 萬加幣購買一間一房公寓，並支付(20%) 即12 萬加幣的首期，一對沒有孩子的夫婦每年的收入合計要為至少10 萬加幣，他們需要至少存6 到8 年 的錢，除非他們的父母可以幫忙。加拿大的標準房屋抵押貸款是稅前收入的 3 至 4 倍。 例如，年收入 10 萬加幣的人可以借到 30 萬至 40 萬加幣，具體取決於銀行和家庭組成。
多謝你的資訊🫶🏻距離呢個目標仲好遠😭我會加油🫡
60萬加幣還真的不知去哪找
師兄點可以搵多啲錢
我地係2020 年買屋
當時2個人年薪十萬多少少
只儲左10% 首期
然後好彩地係BC 買左house
Mortgage 1.64% tax
今時今日我人工18萬左右
仲係BC
Take home ~ 10000
Mortgage 4600 ( 選擇double pay mortgage )
其他3000
儲錢 2000
Just for reference
Not trying to brag
Family of 3
@@kccathyng 180k ? that surely is bragging :-)
I am from Mainland China, and came to Canada twenty years ago. During that time, I found many people from Hongkong were able to buy a property in Toronto very easily because the price was really cheap. However, Toronto's property price increased three times or even more in last two decades. Except you have enough money brought to here, and buy a house, it is pretty hard to make a living here. For those working class, Alberta is a better place to go, particularly Calgary and Edmonton.
我地留學生過來慢慢讀完畢業先有資格穩工，留學生幾年保守估計都成燒左百萬港幣先系你地一到步的起跑線，你地已經燒少好多錢，一落地就係本地人一樣的醫療，細路免費教育，其實呢d資源系本地人分薄比你地的，且性且珍惜吧
咪就係佢哋同大陸落嚟香港分薄資源一X樣，分別只不過去到講英文國家覺得自己高級啲
近幾年係新移民最困難嘅時候，只要夠生活，無需太緊張錢，應駛得駛，至緊要過得開心，錢慢慢就會多。加油
自強尋路向，加油🎉
謝謝主播分享慢慢習慣加油🇨🇦👍👍👍👍🙏🙏🙏🙏🙏💐💐💐💐💐💐
After having baby, you guys can apply for benefits in order to increase the family income.
十至廿年前的加拿大 你靠辛苦工作是可以立足的 人人都有車有樓
安居樂業
現在物價升了太多 在多倫多溫哥華已經不可能靠打工生活 除非你有大把積蓄 或者有屋企人依靠
讀手藝證書，電工，修車，花園，房屋維護，唸理財專業.....learn a construction trade, 勤勞一些發到阿媽唔認得。
你地比較同香港駛費既時候應該要計埋系香港又係要養車同埋買屋吖嘛、咁睇下系香港仲儲唔儲到錢
Don't worry, when you retire are have CPP(pension), Old age pension, GIS pension. Also you can apply lower income housing (or senior housing). No need to buying a house. Keep your rental invoice for income tax refund.
Australia income tax start from 25% after the threshold..my wife pay35% as a nurse. I pay 46% being a shopkeeper
在加拿大就用加拿大人的思維，為什麼要儲錢？ 先把正常的生活處理好，按部就班！ 這邊有的是福利；免費醫療、失業有失業保險金、窮到燶有救濟金😊 所以儲錢是工作和生活都安定了之後的事。 你們供車供樓不正是在儲錢嗎，還是先洗未來錢呢！
冇稅收何來有福利！ 共慘國一樣要交稅但冇福利！
香港打工仔一樣要交稅而有限的福利來於高地價，所以大部分人都住劏房！
自由無價，當你們有了孩子的時候你便會明白這邊稅收的意義☀️
每年報稅時百分之八十的打工仔都有得到稅局的回水。
再者：下次請用加幣計數，擺脫用港幣計數的思維，全程投入做個快樂的加拿大人☀️ Happy landing🇨🇦
邊個話你知 “共慘國一樣要交稅但冇福利”？疫情期間我倆公婆喺北京，做個 N 次疫苗打個 3 次疫苗 （唔使排隊打，而係 make appointment 去國貿私家醫務所打），一個仙都無俾過。仲有，回鄉證到期又返唔到香港換證，國務院即刻改例可以喺國內出入境管理局更換。我換嗰陣朝早 10 點出門，搭 6 個站地鐵，搞掂咗返到屋企 12 點都未到。換證第 2 日收到短訊，新證已經順豐寄出，再過一日食緊早餐，Concierge 打電話嚟話有快遞要簽收。落去簽收交快遞費 7 蚊人仔（1.40 加幣），仲平過我自己搭地鐵去攞，又平過快過香港加錢換快證。十幾年前住上海，浦東機場地鐵 2 號線出市中心人民廣場，一個鐘頭車程都係 7 蚊人仔，到而家十幾年後嘅今日都仍然係 7 蚊人仔（唔信可以上網查）。啱啱睇到 RUclips 有條片，up 主喺春運期間由成都坐慢車硬座去北京，全程 2200 公里，需時 30 多個鐘頭，換轉係我坐完都會懷疑人生。但係你知唔知票價幾錢？講你都唔會信，只係 47 蚊人仔 （大概 9 蚊加幣）！咁平因為係方便一啲草根階層回家過年，只係春運時期有咁嘅班次，唔通呢啲唔係福利？閣下對大陸唔認識，就唔好妄下定論。
希望你今次睇得明人地講咩。
WHAT??? POOR PEOPLE MINDSET
西人都冇會個個冇儲錢噶，一風吹草動難道直接上街躺做homeless仆街佐就系自由乜?
You simply underestimated the entire western economic system. It doesn't mean that if you stay in Canada you don't need to manage financial risks at all.
現在大陸福利,治安,建設都比香港好
深圳6o歲長者地鐵,公車及政府設施全免費,香港要65歲地鐵公車要付2元,仲要有人叫取消
The government take almost 25%to 30% taxes, it depends how much you earn, when you request benefits back, they will ask you many many questions
仲有車保係可以減的、佢地有一個app記錄你行車情況，記錄幾個月後、如果記錄良好、保險公司會永久最多減30%保費比你、你可以問下
將來嘅嘢冇人知, 隨著人口老化 CPP 同埋 OAS都唔知會變成點. 政府絕對有機會會延遲退休年齡 .😢
恭喜你哋可以在加拿大生活， 好好地 享受加拿大生活
其實兩位算幸福，唔使供養父母，又有錢買樓，好多搵成100k 都未儲到錢買樓😅😅
唔係我哋2個買😂
頂住,要有骨氣,不要回來及交回身份證最好！
All Oil. After spending my youth in the West, I never thought about leaving HK. We have the freedom to do whatever we want and visit anywhere we want in the world apart from cursing CCP. Earning a first world income, while able to buy goods and services at China domestic prices plus hiring domestic helper at 3rd world prices. HK is already heaven on earth.
U can rent apt with heating included in the condo fees. Which means heating is unlimited
almost same like living in the UK , and the killing point now this days will be imigration fee or air ticket price as well.
淨返200 幾 CAD, 姐係買多個袋，一對鞋就無咗。。。 仲未計如果有突發嘅野要買/ 有病要即刻醫/ 去旅行 / 機票 / 架車有意外要整/有人結婚做禮買下禮物 都無咗 ... 姐係唔sustainable 要再搵多啲收入or 轉工騎牛搵馬😢
當時都係做住先😢好難搵工
大家加油啦🫶🏻
12% + 5.x% + 1.6%, much less than I expected. I have heard only getting half because of good benefits like free medical. I am working in the states. I am paying more than 20% income tax. Moreover, 10% sales tax and over $11K property tax annually, plus high medical and dental fees.
like your positive attitude. living in other country is definitely not easy. there are lot of challenges to face.
加油🎉，慢慢開始好的生活
多謝😊🫶🏻
Consider using RRSP and FHSA to reclaim some of the taxes you paid.
加油努力。祝你們早日達成願望。
Thank you 🫶🏻💪
CPP, EI, 唔應該當稅收咁睇. CPP 將來可以收番. 我幾十前供咗總共大约七萬, 而家退休每月攞一千(net of tax), 一年收一萬四or 萬五. 十年就收番超過十萬. 重有政府会俾 OAS老人金, 留加四十(每十年有二十五巴仙)年会有max OAS 每月七百(approximately). 我而家六十五歲總共收緊政府每年二萬加幣. 再加老婆個份. 😂😂當然唔够喇, 不過重有公司退休金. 咁就够有餘喇. 呢度唔使留$$俾任何重病, at least under the current health system.
多謝你的資訊🫶🏻
CPP, OAS,未來嘅事冇人會知道
@@fatfishfilms4569首先定居哪里自己决定，冇人强迫，信先留下
其實好多移民之前冇納過稅到合資格的時候一樣拿到你嘅數目，所以唔好以為自己好精明，政府最精明，仲有當然唔使留錢看重病，因為冇得揀一定係政府醫院，醫唔醫好睇你彩數，所以你的分享不夠中立
過到今日先講 幾廿年後都要我未餓死
Wow no toilet papers, buy clothes, etc…. If all that extra stuffs then that mean no. Your salary cannot sustain your living
你繳付這個入息稅，年尾報稅也有機會要再給，就算一個最低工資的單身工人，平時都有繳付入息稅，因公司是用最低稅率幫你付給政府，年尾也要多給三四百元。
多倫多生活成本太高，倒不如考慮其他小城市，唔好貪方便，就業機會可能較少，但居住成本較低。近年來，不少加拿大土生土長鬼佬都頂唔順，遷移到其他省份定居。
在加拿有份工作已經不容易，一個全職收入，另一個intern收入，可以cover到生活所需要，已經好叻。
作為一個中國香港人， 我感覺你們很悽慘， 為何呢？
This beginning is only a short term, it will be better once you gain work experience. I was in the same boat as you after I graduated from school.
Wishing you all the best. Let's add oil together!
In calgary u can get a one bedroom suit for 1000 a month. So please get out of toronto or vancouver.
想問點解住屋唔洗買保險
手機月費又冇既
剪頭髮化妝護膚品呢
仲有車既maintenance cost
Netflix Costco RUclips premium Disney+呢啲呢
屋保險哥哥負責 所以冇加入去😂
手機月費就唔記得加 每月CAD$40 一個人
剪頭髮我哋揀最平個啲剪 唔係每個月都做~
計埋其他正常日常洗費，好難唔係負數，而且房租$2000 係impossible!
@@kennyckh 我地個時3個人夾架～呢個數係一年前個價黎 依家一個人平均$1000 係真係冇咩可能
我都打算過加拿大多倫多，因為冇加拿大做嘢經驗，而且啱啱畢業。 見你話男朋友做Co op 好奇一問Co-op 容易入嗎？ 同埋Co op steam B 計唔計㗎一年full time？🙏🏻🙏🏻 萬分感謝。
Michael 係申請stream A 過嚟
佢係學校讀書期間申請co op
但應該唔算易入 佢個期讀個科大約有30人入到co op🤔️
另外我地申請個co op 唔計鐘🙈
@@fionabout thank you so much ❤️ 希望你地順順利利啦👍🏻
退休金你可以攞得番, 咪當存錢囉！我當初結婚買屋供屋第一年,每個月只出街食一次飯！第二年先至兩個禮拜出街食飯, 平日自己pack lunch番工
30年前我喺美國做 IT developer時, 每個月份糧會扣左 state tax 同 federal tax, 總共冇左四成😅
好多🥲
你們的電費係咪冇申請支助？ 如果有申請、你既電費夏天應該30-40蚊左右、冬天時應該十幾二十蚊
雖然剛剛改了,把最低收入增加,但兩個人收入多過五萬4已經沒有得申請。
剛來Calgary一個月，未搵到工
但呢邊restaurant or 貨倉 經理扣稅後年薪18萬港元，
18.5加元一個鐘，好低想走人
加油💪🏻💪🏻加拿大揾工的確唔容易
可以比個期限自己先
到時真係接受唔到先再考慮會唔會走
起碼試過唔會後悔先😉
那16 一個鐘應該怎樣？
而家生活賈好高, 物價漲了一倍多, 負擔不易, 以我家為例, 三口子年入二十多万, 冇借貸, 每天都慳著使. 冇減價的東西不会買, 通常多數年青人喜歡多姿多彩, 不喜過慳的生活. 歐洲物價反而便宜一些, 除了電力以外.
两个人总共才赚4600加币一个月，应该都是从事几乎是最低工资的工作，而且生活在多伦多或温哥华这样的大城市，在任何一个国家这样的收入都不会太宽裕。这个工资在西部草原省连刚到这里工作的难民也比不上，何况房子上的开销还那么大。如果不想办法从事更高薪水的职业，最好就换个便宜点的地方生活。多伦多和温哥华如果没有已经全款支付的房子的话，家庭年收入需要达到25万加币才生活稍微像样一点，而且还谈不上毫无经济压力。
in HK, get in the queue for public housing(around 5-6 years waiting) then start saving :-)
Learn a trade in Canada.
每個新移民都要面對，當來到一個新地方千萬不要同原居地每項比較，加拿大扣稅是重，但亦要考慮你取到福利如看醫生不收費和退休時福利，及最重要自由空氣，總之要向前看及到一個新國家要盡量融入這國家
空气自由最重要。在加拿大如有不如意，可以像卡车司机去占领国会山，真的很爽。
開頭一定係咁, 唔使倒貼其實已經OK👍
你可能會退稅架麻
最好都係自己計一計
同埋EI CPP唔係稅
雖然都扣左 但概念係分開的：）
會愈黎愈高人工既❤
Thank you 🫶🏻暫時未試到退稅 之後會計下
你話間屋係自置，應該有地稅。 如果唔係house, 仲有管理費， 對嗎？
黎緊出新片會講新屋 到時可以留意下🫶🏻🙏
試一試去印度。
你優勢係年輕， 望下你生活的空間,你又覺得值唔值得呢？不過你睇下其他人,人工其實可以高得幾多呢？
加油🎉
Thank you 🫶🏻
我幾年前岩岩畢業開始做野都係咁，慢慢會好起來❤
多謝💪大家加油🫶🏻
而家只係假設租樓，冇小朋友，唔去旅行，就算人工高咗，都要俾多啲Tax，如果要講買樓嘅，係難上加難。
你冇了解清楚加拿大稅收先移民的嗎? 你話個個都同你講加拿大人工扣稅後剩好少, 點解你唔信? 既然人已住加拿大, 點解人工你要用港幣計? 你去加拿大前, 以為喺加拿大賺到幾錢人工? 如果呢一切, 都係你去到加拿大先知, 咁你好明顯冇做好準備就過去
在加拿大搵錢在加拿大洗，就用加幣計算，不用轉換成港幣了。
首要是儲一點錢。你們還未計算，在加拿大，工作本來不穩定，經常有layoff，看醫生的費用，雖然是政府給你，但葯費？看你們，似乎是香港人移民，不是真正移民，不過，都祝你們好運。
即係餐搵餐食餐餐清, 明天可能更好？ Who knows.
20%稅算少啦，專業人士 人工高一點都扣30%
不是享受外國生活，是謹謹可以生存下來。萬一失業或病困就要燃燒積蓄跟住夫婦就會為錢不知。移民本是一條不歸路，努力加油，請不要回港！
你好。你喺香港好富贵架？蝸居有幾大？出入有車代步嗎？一年滑幾多次雪？
你係🍇
讀手藝證書，電工，修車，花園，房屋維護，唸理財專業.....learn a construction trade, 勤勞一些發到阿媽唔認得。
哈哈，你講埋比率
即係話俾大家知收入
唔緊要，錢途無限
Deduction 唔重要要
最重要係份工作越來越高薪
有資格俾高稅係好事
即係收就越高
醫生，律師，牙醫，藥劑師，會計師，工程師，。。。
都係一份工作
努力，加油
💪🏻💪🏻💪🏻
錢少唔怕比人知啦🤣
Eventually, you will get used to the cold and set the thermostat at 18c-20c and save some money on heating. =P Newer homes let you control individual area/room heating so you can set the tempurature lower for rooms you don't use.
Just remember, when it is about 5 degrees outside and getting colder, to at least keep the heat at 10-15c so you pipes won't freeze and burst. =)
Thank you for your reminder 😆😆
It depends on which city you are living
剛剛來到加拿大＇收入的確是較少，但是你們還年輕收入會因經驗而上升
讀手藝證書，電工，修車，花園，房屋維護，唸理財專業.....learn a construction trade, 勤勞一些發到阿媽唔認得。
起碼買到屋❤
我四人家庭，連埋叉電車，剛來的電費單只係 120蚊。你地要100蚊都幾貴。
yeah .. Trudeau Tax is so heavy .... more like head tax
亚省我扣30%🥲🥲🥲🥲🥲🥲🥲
英國扣得更多，淨係income tax 最少20%，另加國民保險、退休金，整體扣大約30%
你地用響食上面都幾多😂
我哋大食🤣
請問傷風感冒/家俬損毀/電器故障......容唔容易處理？貴嗎？
我好好彩暫時未病過🙈Micheal 之前感冒都係去Costco / shoppers 買藥食
家俬、電器方面會睇下自己整唔整到
唔得先叫朋友/揾師傅整 但揾人整都唔平
安省居民有醫保卡支付，其它省份也有類似保障
出外旅游急診返加也可以申報
@@cheungterry9207 I buy CAA emergency medical coverage when I am not in the home province.
有tax refund if overtaxed.
仲未試到退稅🤣唔知可以退幾多呢～～
@@fionabout 每年六月底前報稅，一般都有退稅。幾多則因人而定。盡量買RRSP來省稅，RUclips有很多教怎樣利用RRSP and Tax free savings account 來省稅，不妨看看！
Also, most of the people will get back tax refund. If you are low income, you can claim GST refund each year.
加拿大稅重係因為平時買嘢要俾十幾巴仙GST.
低收入政府有退
It is HST.
Intern 都計pr 時數咩？😮
唔計呀~我哋行stream a 😆
部份學費可扣減退税！check 下部份屋租可否扣税。
My income tax is deducted 30% every month, FYI my income is less than 100k😂 how can it be 20% if your after tax income is 54000
所以明知香港環境唔好，都唔諗住走住。除非去加拿大啲細城市住
要真係諗清楚🙈
其實都係9菜，分別係外國做定係中國做❤
汽車保險每月$400??
係呀～
400加元x5.83 港幣x12mo@@fionabout
HK$28000/year?????
名車？咁貴
二手volkswagen 可能新牌仔所以咁貴？@@mingnip7272
I drive on an old license 6-star safety records paying $54.17/month.
搬去温尼伯
2個甘後生既人先＄27000 for 2 ,點生活？😢😢
多倫多好平嫁生活？？😢😢😢
真係可以生存，唔可以有消費同慾望😅
我哋依家可能比較低人工😂 遲啲應該會好啲💪
多倫多生活一啲都唔平啊！出街食少餐飯 多啲係屋企食都可以慳返啲嘅🥲
@@fionabout 我諗遲d一定好過＄27000 for 2既，香港因為都無得再低啦吧😅😅, 香港做侍應都有18k up 😅😅BTW,加油
@@wmy62 Thank you~ 呢個數暫時性姐～
有父幹先可以買屋?
How to retire?
Learn a trade while young and change professions like I did.
後生女，夠唔夠？努力工作充實自己，二年後再計算，人工會升，你已好彩加拿大政府俾香港人移民生存支援，收入扣的果部份，當你失业，就醫，生仔，牛奶金，補助金，退休時都會用到，想福利好就要付出。再有你如果低收入年底報税後會退返部份。
可以选择离开的！
香港咁多$賺，點解要來加拿大捱窮？
條氣順，黑幫白道不敢亂來，好快鐵拳如大陸一樣，官府最黑。
咁少錢幾時可以買張來回機票探家人？
用積蓄😂
27000港元, 房租2000元咁平?
我哋3個人住 租CAD $3xxx 平均2個人$2000 加紙（~HK$12000)
唔係咁計。一房好似都要$2600
二人共$2000房租 真係唔係市場價，非常難搵到咁濟
问题来啦 你两个手机 费用呢？你电费呢？你车费用呢？保险呢？你基本系负先系正常
加油👍香港有錢也沒用，因為貴租食物貴。地方又細
Thank you 🫶🏻🫶🏻
and it is cheap in van ? I don't think so. 30 years ago, housing in van was decent and IMO cheap. today, it is even worse that HK and the general living cost is actually higher too. with the improvement of connection with mainland china, living there and working in HK is a very viable option now.
Vancouver s still way cheaper than Hong Kong based on how much per square feet of the condo .
@@janiceho6034 try to do that using after tax income and compare. IOW, what % of after tax income is paid for rent ? and how easy it would be to get into public housing(and cost). and general living cost ? again look at after tax income and don't forget that 5/12% tax + tips. I have been living in these two places kind of 50/50 time split for the last 25+ years so knows first hand of the comparison. don't need those 'stat' figures.
加油
多謝🫶🏻
積累多些加拿大的工作經驗，薪水也水漲船高，努力加油！
誇大,不尽不實,水費邊使$100一個月,煤氣熱天也不用$100.另外CPP和EI都有上限，也不是稅，安省最低時薪是$16.55,無0丅都三萬四仟幾一年，唔通你攞最低工資?
Water bill in many cities includes wastewater treatment fees and garbage fees, In Toronto $100 per month is right.
I'm earning around $200k this year in Australia, meaning my tax rate will be 45%..... So your tax actually isn't that bad at all. Hope it makes you feel better 😂😂
扣扣下就慣，扣慣左就唔覺得痛，工作同收入會慢慢變得好。
希望會變好💪💪大家加油👏
知道妳們看醫生去醫院都免費是為什麼了吧！😂
Many people come here for a long period still can’t find the job no income you are so lucky
Wah, spend so much on food.
你兩個人係一定生活到
但如果要生仔， 你就會唔夠
除非你有屋企人幫你揍
慢慢 你會發覺 無錢儲之餘
你就會唸係咪要繼續留係多倫多
這是好多後生仔搬省或去美國既原因。
暫時未有計劃生仔😆
唔夠？加拿大養仔💰部份政府出，公司有個司機生七個，老婆唔工作，一半開支是每月政府支票😂。
@@cheungterry9207 我知有牛奶金😂
@@cheungterry9207生一個500
唔係了
有朋友有Canada child benefit
同埋我地full time daycare 先350
一百蚊煤氣😂
當你要將每一筆開銷記錄落嚟，可以講就係憂心唔夠錢用嘅跡象。我倆而家雖然托賴不愁衣食，有車有樓，到而家仍然保持呢個習慣。而呢個習慣就係當年喺多倫多生活嘅時候開始。好多人話嗰邊生活好，福利好，但係政府福利啲錢係唔會無啦啦跌落庫房。你地買咗屋收過地稅單未呢？收到之後有無飯都食唔落呢？我地返嚟差唔多三十年，唔講得大富大貴，起碼唔使每次用錢都要諗諗。啱啱 check 開數睇返過去電費記錄，從 2023年 1 月，到最新嘅 3 月嘅電費單。總共 15 個月喺港幣 947 元，平均每月 64.14 元 （有政府電費補貼），而且其中 6 個月嘅電費係 0.00。都係嗰句，人人要求唔同，個人覺得嗰邊就係共產主義之下嘅民主國家。既然係咁，我點解要留喺度？
請問你想表達乜嘢？ 主題係咩？成篇野無厘頭，究竟你而家係邊香港定加拿大？
@@cpwong7977 如果你睇唔明人地想表達啲咩嘅話，有好多可能性喎。會唔會閣下中文程度需要提升一下呢？
物价飞涨生活不容易。努力😂。You are not alone.
加油🫶🏻
生兩个細路，政府有一千元牛奶钱，以你現在的收入
赤貧😅
￥27K HALF MONTH OR ONE MONTH
One month
还不如回香港工作， 这里工资X3
Better than other people because you just come to here can’t compare to hk
開頭唔係倒扣已經算好