Our monthly expenses in Canada as a home owner | Do we regret buying house?

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  • Опубликовано: 22 дек 2024

Комментарии • 625

  • @SandyTalksCanada
    @SandyTalksCanada  7 месяцев назад +15

    Here's your exclusive $100 discount on Yesoul Bike:
    Code: Sandy
    Link: bit.ly/3QJYT7P

  • @TliayMiaa
    @TliayMiaa Месяц назад +1

    I’ve hopped on a bunch of spin bikes, yet the YESOUL stands out as my top pick. The screen mirroring function is a godsend, letting me catch up on my shows while pedaling away. It turns the exercise into a walk in the park!

  • @JomaAklima
    @JomaAklima Месяц назад +1

    Totally dug how Yesoul indoor bike keeps my life all about movement. If hunting for a solid ride, give Yesoul a shot!

  • @diaraz8643
    @diaraz8643 6 месяцев назад +9

    It's my time ever to watch such a video! Your presentation is top notch! You've presented the break down of your property expenses very effectively! Earnest well wishes for your life in general and a gracious thanks for such a comprehensive shoot!!!❤

  • @neetipalannair498
    @neetipalannair498 5 месяцев назад +7

    The reason why i subscribed... U sound so genuine n natural..!!more power to both of you..!!

  • @muneebrana94
    @muneebrana94 7 месяцев назад +20

    Congratulations! And very nice review! Stay blessed and keep growing!

  • @JMian
    @JMian 7 месяцев назад +18

    Each home in Canada has a small factory in the basement. I always felt that way when I see the hvac ,softner and washer and dryer in basement

    • @Kash568
      @Kash568 7 месяцев назад +1

      its not factory its much needed. There is water heaters in India. Its just compacted in the basement. In india there are those giant coolers. They look quite ugly tbh.

  • @himanimehta9520
    @himanimehta9520 4 месяца назад +3

    always adore your video and special thanks to your Husband for capturing so seamlessly.

  • @suryakar8122
    @suryakar8122 4 месяца назад +4

    Finally a genuine video from a genuine couple.Shown reality..

  • @detroit7thstreet
    @detroit7thstreet 6 месяцев назад +28

    Moving to Canada in today's time will be the most horrible decision anyone would make. No matter how beautiful and Scenic Canada is. Most of my friends and relatives who moved to Canada in the last 2-3 years are still struggling and suffering no matter how much money they have. Thank god, I was delaying to move to Canada and now I am happy to have done that. Guys for those who are ambitious on moving to Canada, please ignore my comments and for those who are smart enough, just try to find heaven, it's just around you. There is no need to go that far 😊

    • @musafir123
      @musafir123 5 месяцев назад +4

      Yes you can go for vacation in kerala or himachal once in year

    • @shailrajmahida
      @shailrajmahida 5 месяцев назад +3

      ​@@musafir123 Here,you have to go crazy to earn for an entire year to have 2weeks off!
      And in a lot of cases,even those two weeks off are not blessed to you!!

    • @yogesharora108
      @yogesharora108 3 месяца назад +1

      This is some rational comment , If anyone is too ambitions , they should ignore this comment or smart ppl fin their heaven wherever they are.
      Canada might look bful but their education system and Medical facility is below par. And I guess being parents this is what most important thing we are looking for.

  • @alaher4523
    @alaher4523 7 месяцев назад +162

    You needed to buy a house that is smaller within your budget - the BIGGEST MISTAKE you made was you bought to TOO MUCH House for 2 people

    • @taranjitsingh2714
      @taranjitsingh2714 7 месяцев назад +41

      That is the problem with people, they go beyond their means to impress others…talk is cheap, following your talk is hard…

    • @Kate-fd5ni
      @Kate-fd5ni 7 месяцев назад +22

      Yes desi always get showcase home to show off.

    • @yassal426
      @yassal426 6 месяцев назад +13

      You are forgetting they can easily afford this house with their multiple income streams...

    • @lildoc
      @lildoc 6 месяцев назад +8

      Indians ko show off bhi toh karna hai na 😂 agar 2BHK city apartment khareed lete to India mein apne rishtedaaron ke saamne tashan kaise marte? Everybody who wants to turn from being a tenant to a home owner should do all these calculations before deciding to buy a house within their means😅

    • @marlenegomes6501
      @marlenegomes6501 6 месяцев назад

      7:56

  • @richboy3860
    @richboy3860 6 месяцев назад +27

    $8000 per month fixed expense is very very high. Hope you can sustain it for 25 years. Blessings! ❤

    • @moodmeditation4458
      @moodmeditation4458 3 месяца назад

      Their children and grandchildren will enjoy stressfree life and they can just hope they remember their efforts and send them blessings as gratitude daily.

  • @faizcube007
    @faizcube007 7 месяцев назад +3

    Please be mindful, when you rent your HVAC units, maintenance is covered. In the long run it could save you a lot of money. Also, you have the option to get a buyout quote anytime let’s say 5 years down the road etc for flexibility. Up to each individual, depending on your financial situation.

  • @preetisohal6284
    @preetisohal6284 7 месяцев назад +2

    Hey make a video on how you furnished your home. I like your plants collection please share where you got all of them.

    • @SandyTalksCanada
      @SandyTalksCanada  6 месяцев назад

      O posted 3-4 videos on how I furnished my home, please have a look at those.

  • @tariqs2072
    @tariqs2072 4 месяца назад +1

    Amazing home! you guys seem like you deserve every bit of it ❤
    All the best!

  • @BskdbWgodb
    @BskdbWgodb Месяц назад

    I'm all about spinning on my Yesoul bike; it makes it super easy to get a workout from home. If you're on the hunt for a top-notch ride, Yesoul's where it's at.

  • @nipunjitsingh5224
    @nipunjitsingh5224 6 месяцев назад +3

    There was so much positivity in this video. May God bless u both 💗 This video will be an eye opener for many people :)

  • @anushkadesh
    @anushkadesh 3 месяца назад +2

    Thank you for the transparency. Appreciate it!

  • @SS-mx8kq
    @SS-mx8kq 7 месяцев назад +55

    Wow, looks like its not worth living in Canada cz it's so expensive to not just live but buy house and then maintain it . Here in Oz, we don't have to worry about salts etc and house u lve in doesn't get taxed.

    • @DineshDinesh-nh9wk
      @DineshDinesh-nh9wk 7 месяцев назад +25

      That’s actually the real meaning, less costs and Tax free, why should i be giving tax on the land or house i already bought.?
      Canadian government is sucking life out of canadians instead of giving life.

    • @Abhinavsingh039
      @Abhinavsingh039 7 месяцев назад +1

      Where do you live ?

    • @thegreatsolo-musicvloginfo7792
      @thegreatsolo-musicvloginfo7792 7 месяцев назад +4

      Stay in india good for u

    • @dsinghr
      @dsinghr 7 месяцев назад +1

      Where in Australia do you live ? Prices are very high in main cities here in Australia. Worst thing about Australia is there are just 3-4 cities where 60 percent of its population lives. That means house bubble will never burst

    • @suryasharma7308
      @suryasharma7308 7 месяцев назад +5

      Bro simple steps, become cad citizen, move to the us

  • @lokeshsuvarna5509
    @lokeshsuvarna5509 7 месяцев назад +14

    Congratulations to both of you on your house anniversary. Keep growing.

  • @MR-bv7tq
    @MR-bv7tq 4 месяца назад +2

    Thank you for always encouraging to follow your dreams ❤

  • @prettylife1217
    @prettylife1217 День назад

    Heartfelt felicitations to both..u both look so cute .. and the way u both made the concept clear regarding the expenses of new house is crystal clear.. but i have a query... Why there is no curtain in house

  • @n4new
    @n4new 6 месяцев назад +2

    Congratulations for new house. I like you guys you are so simple and good guys. Wish you all the best.

  • @kiranjotminhas-lincolnalex2973
    @kiranjotminhas-lincolnalex2973 4 месяца назад +1

    Value of your house can increase overtime plus you are also paying Principle borrowed amount in the mortgage. If you deduct all that, it is costing you about $4000

  • @ImtiazAhmed-hq7my
    @ImtiazAhmed-hq7my 4 месяца назад +2

    You are very honest sister, explained everything very clear

  • @h.k.6741
    @h.k.6741 3 месяца назад +1

    you forgot to add setting aside a Repairs and Maintenance budget. After 5 years, the house will start requiring repairs. Just imagine: Plumbing/electrical is $150/hour for labor, plus parts (2024 pricing), in British Columbia.

  • @neerajsharma7860
    @neerajsharma7860 4 месяца назад +2

    Excellent Communication skills . Sweet Couple bitiya rani. God Bless you

  • @nasreenkhan8200
    @nasreenkhan8200 6 месяцев назад +2

    Dear sis you honestly calculate expenditures and guide us .fabulous excellent vlog tnx for sharing. ❤

  • @wasimhaider445
    @wasimhaider445 6 месяцев назад +7

    Congratulations guys. Your house looks beautiful. I would say 3200$ is a decent mortgage if you are living in the GTA. Stay blessed.

    • @parkerbohnn
      @parkerbohnn 5 месяцев назад +1

      It would be about double that in the GTA.

  • @frontendmayhem1247
    @frontendmayhem1247 5 месяцев назад +1

    Good video. Loving the plants you have spread across your entire house. Just FYI, there is property tax in India as well so it's no different really. And yes you will pay property tax after your retirement but you'll also be getting a hefty pension that will cover all costs.

  • @nadiazarif2439
    @nadiazarif2439 7 месяцев назад +1

    Where in Canada? I would love to switch as in GTA its closer to 5000 for this size.

  • @bobbybob4664
    @bobbybob4664 7 месяцев назад +8

    Hi sandy, which part of Canada have you brought this house in ? I mean, in vancouver I could hardly rent a 1 bedroom in 3k ? You said in the video, that it will cost 3.5k approx to rent a house of that size ?

    • @sahilhira-is9gj
      @sahilhira-is9gj 7 месяцев назад +1

      She brought the house in ottawa,ontario

    • @nishantthaccker1173
      @nishantthaccker1173 7 месяцев назад

      @@sahilhira-is9gj - Is this Ottawa for sure ?

    • @nomorenews
      @nomorenews 7 месяцев назад +1

      ​@@nishantthaccker1173ottawa is cheaper then big cities and freezing all year

  • @srinathrangaswamy7922
    @srinathrangaswamy7922 7 месяцев назад +4

    Lovely house but surroundings are sort of dead... Unless one is really busy and love what they do on a daily basis, depression is almost a given (specially in winters!)...:)

  • @salmanbasir2115
    @salmanbasir2115 6 месяцев назад +1

    You have a good narration style- keep going!

  • @kiingisking
    @kiingisking 5 месяцев назад

    you dont buy hvac water heater they are good to be rented

  • @prabhgunsingh16
    @prabhgunsingh16 6 месяцев назад +1

    Hi Didi, I received my credit summary yesterday. It showcased that my credit score went down by 28 points. I didn't apply for any inquires and all of my payments are on time. There is nothing mentioned in my credit report. Can you please help???

  • @24.7sunshine
    @24.7sunshine 4 месяца назад +1

    Im a British born Pakistani,i just want to thank you my sister .you are so transparent and showing us the real picture.
    How much do average shops cost

  • @DineshPurohit-s7r
    @DineshPurohit-s7r 4 месяца назад +2

    awesome video . Thankss for that much detailed

  • @jiauddinbablu714
    @jiauddinbablu714 5 месяцев назад +1

    How much was your down payment? Or house much you paid for the house?
    $3200 mortgage looks like low for such a large and new house.

    • @parkerbohnn
      @parkerbohnn 5 месяцев назад

      All the houses in the GTA are over a million dollars.

  • @aroundtheworld8353
    @aroundtheworld8353 4 месяца назад +2

    Congrats ❤ live you Long & Happy Life.

  • @bindiyas
    @bindiyas 5 месяцев назад +2

    Congratulations ! Very sweet couple ❤

  • @SCIENTIFICAPPROACH...4602
    @SCIENTIFICAPPROACH...4602 4 месяца назад

    Hey sandy...what you guys do for living?

  • @JatinderSingh-mr9kw
    @JatinderSingh-mr9kw 6 месяцев назад +3

    Good awareness about expenses of own houses in Canada

  • @1umarasghar
    @1umarasghar 7 месяцев назад +3

    Sandy please share small homes roughly expense, town house expense, condo expenses for your audience to make better decisions. Take expense figures from friends neighbors etc. Thanks 😊

  • @ZaraKhan-q6r
    @ZaraKhan-q6r 6 месяцев назад +4

    Nice video ❤❤❤❤❤ ur always give true information

  • @SnehSharma-r1j
    @SnehSharma-r1j 4 месяца назад

    Hello!!
    My kids, studying in mississauga, are continuously calling CRA office but allnin vein. Please advise me how to contact them

  • @jackryder6732
    @jackryder6732 7 месяцев назад +1

    Which city you purchased the house. Great video

  • @iqbalusa2025
    @iqbalusa2025 3 месяца назад

    What do you do for living?

  • @hardyalsingh8407
    @hardyalsingh8407 5 месяцев назад +2

    Congratulations sandy 🎉

  • @ibrahim.allahwala
    @ibrahim.allahwala 6 месяцев назад +1

    What's the average earning as a comparative?

  • @GurpreetDhariwal
    @GurpreetDhariwal 7 месяцев назад +7

    Buying a home is truly a personal choice. To each of their own. I am glad that you guys are not regretting your decision of staying in this beautiful and blessed house. Keep shining 🌟

    • @mustooguy_
      @mustooguy_ 7 месяцев назад

      abhi tou log ghar chor ke bhge gain! watch the mortgage paymens coming higher..

  • @MrJose007
    @MrJose007 6 месяцев назад +3

    Congrats to both of you, God bless keep growing :)

  • @MrManasarora
    @MrManasarora 7 месяцев назад +8

    I love the line “without any further do”

    • @korikrali
      @korikrali 7 месяцев назад +2

      Its "Without any further ado"

    • @SandeepChandi-z9j
      @SandeepChandi-z9j 3 месяца назад

      Salya paira ja digg pa...salle bhoond ashiq😂

  • @alishsachdeva5412
    @alishsachdeva5412 5 месяцев назад

    What’s the lease term?

  • @KR7650-r2i
    @KR7650-r2i 6 месяцев назад

    Congratulations..!! Beautiful house and very well furnished...Which neighborhood would this be ?

  • @SunilSharma-qw7um
    @SunilSharma-qw7um 2 месяца назад +1

    Congratulations to you Both
    God bless you both
    Your videos are very inspirational.🎉🎉🎉
    Nice house..

  • @fatimaumar6762
    @fatimaumar6762 5 месяцев назад +2

    Thanks for sharing….Stay blessed!

  • @sajeevbedi-ff3qb
    @sajeevbedi-ff3qb 7 месяцев назад +5

    Congratulations 🎉 guys , appreciate your humility and dedication to spreading awareness

  • @rajaassad323
    @rajaassad323 6 месяцев назад +2

    Dedi happy home 1st anniversary,long live together,love from Pakistani brother ❤

  • @Homegardeningideas2023
    @Homegardeningideas2023 5 месяцев назад +2

    Congratulations Sandy

  • @MuhammadArshad-mk3ow
    @MuhammadArshad-mk3ow 6 месяцев назад +3

    ❤❤❤.. Mubark hoo.. Good information

  • @allinonevibes3780
    @allinonevibes3780 7 месяцев назад +3

    Please lndia ka koi money app bata do

  • @humhindustani1370
    @humhindustani1370 7 месяцев назад +2

    Congrats on your new home. Love the layout & decor. Like your gym as well its worth investing on fitness that will keep you strong in mind and body. Very informative video for new comers. Stay blessed.

  • @Pushpul.Pandey.PP007
    @Pushpul.Pandey.PP007 6 месяцев назад +2

    Canada is wonderful and Your house is too beautiful...

  • @Mujahid-tc9le
    @Mujahid-tc9le 6 месяцев назад +1

    Maasha ALLAH ❤ ALLAH ap ko hamesha kush rakhe...barkat de... Aameen ❤❤❤❤ love from Pakistan

  • @arien070
    @arien070 7 месяцев назад

    Great video. What about expenses for garden and backyard- lawn mowing, cut hedge, clean leaves in fall, duct cleaning??

  • @Qaz-p
    @Qaz-p 7 месяцев назад +1

    how much down payment did you give for this house. also which city do you live ?

  • @RaviA-n5u
    @RaviA-n5u 7 месяцев назад +4

    Indeed, every year I pay 60,000 dollars as just interest out of $86000 of total yearly mortgage instalment, just to have below average lifestyle. I don’t recommend someone to move to Canada, if you do same hard work in India to create a business for yourself, you will earn a lot in India than in Canada. I am in Canada from last 13 years, most of my classmates of engineering who stayed in India are well off in India, all my classmates who moved to USA are living their dream life, but all living in Canada are struggling to keep up their average lifestyle. That’s the fact, which one only realizes when they compare with same background person after big time difference like 10+ years.

  • @AshutoshBaghel
    @AshutoshBaghel 5 месяцев назад

    What's your current mortgage rates?

  • @InderSingh-rs6ng
    @InderSingh-rs6ng 7 месяцев назад +1

    In which City you buy Home.. What was Total price and How much was Deposit (Down payment)...I'm Doing research

  • @tilakchand9678
    @tilakchand9678 3 месяца назад +1

    Thanks for your right information mam!

  • @arj1165
    @arj1165 3 месяца назад

    10:00 Canada mein b water softener lagane pade toh tax kis cheez ka de rae ho ??

  • @mansoorjamal8432
    @mansoorjamal8432 21 день назад

    What is mortgage ??????????

  • @ManojKumar-Pentakota
    @ManojKumar-Pentakota 7 месяцев назад +1

    Nice Presentation.
    Who is the Home insurance provider?
    70$ per month is the best deal

  • @MrManasarora
    @MrManasarora 7 месяцев назад

    Does annual maintenance include cost of water softener and all charges of hvac?

  • @pP-nh5qk
    @pP-nh5qk 7 месяцев назад +2

    Your house is literally a dream house 🏠

  • @adbs10
    @adbs10 6 месяцев назад +1

    Happy first home anniversary!🥳🎉❤❤❤❤❤❤❤❤❤

  • @junaidahmadj
    @junaidahmadj 4 месяца назад

    Can I buy property in canada (invest) and rent it and get monthly income..... will they give me mortgage? How many years you have to pay? How much is price of this house?

  • @ashtaws
    @ashtaws 7 месяцев назад +2

    CANADAS SALARY IS HIGHER THAN IN THE UK? Average house prices in the UK is £300,000, wheres its 400,000 in Canada. (however you can get a house in the UK as cheap as 150,000) in some areas, and in Canada for around £200,000. GBP.?
    Average monthly mortgage prices in th UK is £1,500, wheras in Canada it is £1,900 in GBP price.?
    There is NO Annual property tax in the UK, however there are other taxes such as STAMP DUTY at 3%
    COUNCIL TAX every month in the UK is approx £ 70 to £200, depending on your area and tax band, whereas Canada PROPERTY TAX is £350 pounds in uk equivalent.
    Rent in the UK is approx £1500 month whereas in Canada its £2000 GBP equivalent
    IT SEEMS LIKE BOTH COUNTRIES COUST OF LIVING HAS ROCKETED......WONDER WHAT PRICES ARE LIKE IN INDIA AND COST OF LIVING

  • @ByHassanMoulali
    @ByHassanMoulali 7 месяцев назад +2

    wow nice house and nice calculations. .. best line at the ending was "ACCHA GHAR ACCHI WIFE" you both are wonderful couple . May god continue to shower his blessings on you always.. with best wishes ❤💚

  • @gv3360
    @gv3360 Месяц назад

    I WATCH EVERY VEDIO .BUT I FORGET WHERE YOU BOUGHT THIS HOUSE. SO PLEASE CAN YOU TELL ME CITY

  • @muhammadfahim4206
    @muhammadfahim4206 2 месяца назад

    What's the price of this property when u buy?

  • @omnamahshivayaom4091
    @omnamahshivayaom4091 6 месяцев назад +1

    Very nicely explained guys! All the best!

  • @ashersharif6264
    @ashersharif6264 2 месяца назад +1

    Allah bless you both. May you have wonder life ahead. All prayers are with you both

  • @primeartifacts6467
    @primeartifacts6467 7 месяцев назад

    6600$ is the avg mortgage payment for a $1m house with 20% down payment.

  • @ashokamburle5079
    @ashokamburle5079 Месяц назад

    Very nice information by you. Thanks very much.

  • @chatrabhujhinsu6570
    @chatrabhujhinsu6570 2 месяца назад +1

    Hello.
    Be very happy at your nice home.
    Thank you.

  • @shrutikat5312
    @shrutikat5312 6 месяцев назад

    May i know why did you guys buy such a big house ? I mean it would be good to know your insights

  • @muhammadajaz4777
    @muhammadajaz4777 2 месяца назад

    Very informative, thanks for sharing ur experience

  • @Ravi-s6w8q
    @Ravi-s6w8q 6 месяцев назад

    Your mortgage is for how many years?

  • @Sketchbook999
    @Sketchbook999 5 месяцев назад

    What if u didnt buy n canada. Have you had another option ? Anither country?

  • @sukanyadutta2192
    @sukanyadutta2192 6 месяцев назад +1

    1st time watching ur video, Very nice home & good information u shared. Stay happy & blessed always ❤

  • @rajlovinglife
    @rajlovinglife 6 месяцев назад

    Nice to see..hometour.. And the monthly breakdown of cost was also a talking point like anual property tax which you have to pay forever and also without the other Mislaneous expenses like car insurance and groceries... 👍

  • @swatisharan2943
    @swatisharan2943 7 месяцев назад +5

    It's good you highlighted expenses and what's involved. Also, don't forget outdoor care. 😊 For those not earning so much right now, don't despair. Within the next two years, public housing will be going strong and many of you will qualify for that so your household debt will be much lower. And even to those who do earn in the higher brackets, why keep your household debt so high? In the public domain, there will also be wider varieties of housing to choose from in the long run over the next 7 years but we won't see the first effect probably before the next 2 years because it takes time for the government to assess certain standards before they okay them. Now for those who can and wish to participate in the private market, Sandy's advice rings true. Because you do feel more attached to the property belonging to your family and your freedom does expand about what you can or can't do.

  • @ravitthgr6034
    @ravitthgr6034 7 месяцев назад

    Which area is this?
    That looks quite impressive.

  • @BetaajBaadshaah
    @BetaajBaadshaah 7 месяцев назад +1

    Location 14:02 $7000~$8000 per month.
    Aapne ye to bataaya hi nahin ki aap donon RRSP, TFSA aur personal savings mein per month kitna save karte hain? Kanedda mein kisike bhi job ki koi guarantee nahin hoti. Agar aap donon ka job chalaa gayaa to ghar ka kharchaa kaise chalegaa? Agar RRSP aur TFSA mein ek bhi paisa nahin daal rahe hain aap, to retirement ke baad how will you make ends meet? Thoda is subject par bhi roshni daalein ki apart from $7000~$8000 per month, aap donon ki monthly savings kitni hoti hai? Not exact figures, just a ballpark amount. Agar kuchh bhi nahin, to trust me, aap donon bahot badi galti kar rahe hain. Buraa waqt (unemployment) kabhi bhi aa saktaa hai.

  • @DeepakKumar-fu6ty
    @DeepakKumar-fu6ty 7 месяцев назад

    I like both of you as a couple.Your husband is also a real gentleman.God bless you both.

  • @monasavant7710
    @monasavant7710 4 месяца назад

    Can you please share some of your recipes also ? It will be great to learn some dishes from you 😊

  • @MasGeorge
    @MasGeorge 5 месяцев назад

    U can keep anyone of rent if u 5 bedroom so your cost will cut

  • @AG-hu5jj
    @AG-hu5jj 7 месяцев назад +1

    Happy home buying anniversary Sandy !!