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.
I pay $112 for bell fiber internet and $42 for virgin 20gb after taxes. No bundles. Phone is paid for. I live in a small town 45mins from the 401? You can certainly get cheaper internet/phone than $200 a month. Although between the 2 of us, we average more than $100 person/week. We certainly don’t buy the cheapest we can but we budget where we choose.
Public Mobile is owned by Telus, there shouldn’t be the problems you describe. I live in the middle of nowhere with Lucky Mobile. Text and talk with no data is $15/month.
But that’s not what is normal amoung my peers. The expenses look reasonable to me, but could be optimized further. Normally, optimizing your expenses that much wouldn’t be your part time job, but with the current wage situation, that’s where we are at.
It is not an available option to most Canadians, especially the vet tech in this article.
It’s a shame that the article doesn’t specify which town, but it does say University town.
If I were to guess, especially since she’s a vet tech, is that she lives in Guelph or Windsor. Other vet universities in Ontario are in much larger cities.
If that’s the case, she has quite a few of options for phone and internet.
She lives in a college town. The vast majority of people in Canada live in urban centers. So, for most single people in Canada, spending less than $200/mo in Internet+phone is trivially simple.
Public mobile is Telus’s discount brand. They have service everywhere Telus does. The other major carriers have their own discount branded services. You don’t get much (or any) data, but it’s a lot cheaper.
What an incredibly out of touch comment. Do you live in Canada and do you pay for telecoms? Those are the going rates. Good luck getting an internet and phone plan for less than $200/month.
All my life. Perhaps you haven’t looked for savings in these areas?
FYI: Public Mobile (my provider for years) has unlimited calling and text w/ 1gb data and ongoing perks for $25 / month. Even $40 would get you 30GB of data and 5g… not sure why you’d want anyone to spend double that when they are struggling financially.
Internet isn’t as easy, but all these companies can offer discounted rates. She needs to get internet that fits her needs (I pay $84 tax in for Bell TV and 1GB fibre to my home). $135 is crazy.
It’s not feasible to switch to small carriers like public mobile because they only have cell coverage in major cities. The moment you leave and go towards suburbs or rural you’re on roaming.
LOL. She lives in a University town, and you’re saying she won’t get cell service from a company like Telus? Give me a break.
I’d like to see you suggest to someone in real life who’s living in Canada that they should use their bike in the winter to do groceries. The fact is, having a car in Canada (unless you live downtown in a city) is mandatory.
Oh boy. She doesn’t have to get groceries in the snow by bike… but if she can offload some of her driving to bike (for any reason), she’ll save money.
It also doesn’t suggest that she’s commuting out of town, so biking in a “small town” should be simple for anyone.
Also I know for a fact you have never done groceries in Canada because $400/month is BELOW average for households. In my house we always buy the basics and we spend around $650 per month. That’s with the cheapest versions of every item and we don’t buy processed foods.
Have for decades… sounds like you need to figure stuff out on your end.
Troll somewhere else.
Amazing how someone can take actual advice based on personal experience, and consider it “trolling”.
Learn more about how to be frugal, and perhaps you’d agree with my suggestions. Or continue to overspend.
This woman is obviously struggling, and there are very easy fixes for most of her spending habits.
Amazing how someone can take actual advice based on personal experience, and consider it “trolling”
This is the biggest problem, isn’t it? I understand somebody not knowing how to live frugally, but at the very least they should be open to learning from people who do.
Don’t worry, those of us who how to budget minimally know that you are speaking the truth.
I appreciate that. I’ve struggled for years before I really started looking at my expenses and saving wherever possible.
Most of the time, it requires no sacrifice, but a few minutes of effort.
The car insurance was a huge money saver for me. We were spending thousands a year on car insurance, whether we used the car or not. Switched to pay-as-you-go and started biking, and my insurance is like a few hundred a year at most.
The cell phone plan was another big saver. I was spending over $150 for three people a month, and now it’s less than $50 for the same service!
Food is probably the most challenging, but only if you aren’t willing to look at other options.
In any case, it’s too easy for people to say that they aren’t making enough money when it’s their spending habits that really hurts them.
*** I do still think that people should be paid a livable wage, don’t get me wrong, but if getting paid more means that someone will overspend more, then they will still be in the same situation. ***
In any case, it’s too easy for people to say that they aren’t making enough money when it’s their spending habits that really hurts them.
Yup. It happens at all income levels, too. There are surgeons out there with nice homes, new cars, vacations and everything, but still living paycheck to paycheck. If you don’t prioritize saving, guess what? You don’t have savings.
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I pay $112 for bell fiber internet and $42 for virgin 20gb after taxes. No bundles. Phone is paid for. I live in a small town 45mins from the 401? You can certainly get cheaper internet/phone than $200 a month. Although between the 2 of us, we average more than $100 person/week. We certainly don’t buy the cheapest we can but we budget where we choose.
Public Mobile is owned by Telus, there shouldn’t be the problems you describe. I live in the middle of nowhere with Lucky Mobile. Text and talk with no data is $15/month.
But that’s not what is normal amoung my peers. The expenses look reasonable to me, but could be optimized further. Normally, optimizing your expenses that much wouldn’t be your part time job, but with the current wage situation, that’s where we are at.
My own bills:
Internet (Beanfield): $40/mo including taxes.
Cell (Freedom): $34/mo per phone, incl taxes.
Beanfield may not be available everywhere, but Teksavvy has similar plans.
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It’s a shame that the article doesn’t specify which town, but it does say University town.
If I were to guess, especially since she’s a vet tech, is that she lives in Guelph or Windsor. Other vet universities in Ontario are in much larger cities.
If that’s the case, she has quite a few of options for phone and internet.
Teksavvy is available nearly everywhere and I know they have similar plans because I was a customer.
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She lives in a college town. The vast majority of people in Canada live in urban centers. So, for most single people in Canada, spending less than $200/mo in Internet+phone is trivially simple.
Public mobile is Telus’s discount brand. They have service everywhere Telus does. The other major carriers have their own discount branded services. You don’t get much (or any) data, but it’s a lot cheaper.
All my life. Perhaps you haven’t looked for savings in these areas?
FYI: Public Mobile (my provider for years) has unlimited calling and text w/ 1gb data and ongoing perks for $25 / month. Even $40 would get you 30GB of data and 5g… not sure why you’d want anyone to spend double that when they are struggling financially.
Internet isn’t as easy, but all these companies can offer discounted rates. She needs to get internet that fits her needs (I pay $84 tax in for Bell TV and 1GB fibre to my home). $135 is crazy.
LOL. She lives in a University town, and you’re saying she won’t get cell service from a company like Telus? Give me a break.
Oh boy. She doesn’t have to get groceries in the snow by bike… but if she can offload some of her driving to bike (for any reason), she’ll save money.
It also doesn’t suggest that she’s commuting out of town, so biking in a “small town” should be simple for anyone.
Have for decades… sounds like you need to figure stuff out on your end.
Amazing how someone can take actual advice based on personal experience, and consider it “trolling”.
Learn more about how to be frugal, and perhaps you’d agree with my suggestions. Or continue to overspend.
This woman is obviously struggling, and there are very easy fixes for most of her spending habits.
This is the biggest problem, isn’t it? I understand somebody not knowing how to live frugally, but at the very least they should be open to learning from people who do.
Don’t worry, those of us who how to budget minimally know that you are speaking the truth.
I appreciate that. I’ve struggled for years before I really started looking at my expenses and saving wherever possible.
Most of the time, it requires no sacrifice, but a few minutes of effort.
The car insurance was a huge money saver for me. We were spending thousands a year on car insurance, whether we used the car or not. Switched to pay-as-you-go and started biking, and my insurance is like a few hundred a year at most.
The cell phone plan was another big saver. I was spending over $150 for three people a month, and now it’s less than $50 for the same service!
Food is probably the most challenging, but only if you aren’t willing to look at other options.
In any case, it’s too easy for people to say that they aren’t making enough money when it’s their spending habits that really hurts them.
*** I do still think that people should be paid a livable wage, don’t get me wrong, but if getting paid more means that someone will overspend more, then they will still be in the same situation. ***
Yup. It happens at all income levels, too. There are surgeons out there with nice homes, new cars, vacations and everything, but still living paycheck to paycheck. If you don’t prioritize saving, guess what? You don’t have savings.