She always knew her salary wouldn’t be high but didn’t aspire to be rich. What she didn’t realize was that she would struggle to afford basic things like shelter and food

“It feels like I’ve been working harder and harder and sliding backwards down the scale,” she says.

Making $50k in a small town and still “scraping by” is scary. Maybe I’m just old, but I’d hoped that kind of income would be enough for some kind of comfort.

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This is the best summary I could come up with:


She relies on a personal line of credit for unexpected expenses, whether it’s a broken appliance, car repairs or veterinary care for her cats.

In 2013, her parents bought her a 1,200-square-foot semi-detached two-bedroom house in a small Ontario city, a university town.

They have also previously paid off her credit card debt, bought her a used Honda CRV, covered a kitchen renovation and helped with other expenses.

At her job, Caitlyn handles everything from drawing blood, performing X-rays and giving injections to answering phones, doing paperwork and cleaning the office space.

“I think the old-school principle is if you go to school and you get good grades and then you go to post-secondary education … the thought process was then you live comfortably,” she said.

She rarely eats out, makes her coffee at home and has cut back on ordering in and drinking alcohol.


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