Kitchener Detached 1200sqft: $568.8
Property Taxes: $243.72
Utilities (all 3): $199.22
The Cooperators Insurance: $57.48
Fido Internet: $62.15 - I need to chop this down again, should be able to get it under $50
Water Softener Salt: $6.78
Two adults, one toddler and one infant (on breastmilk). Toddler eats a portion of what we’re eating.
Therefore, we average around $2.45~ per meal.
I’m 99% plant-based. My wife is 50% or so. Toddler is probably 75% depending on which parent is arranging her meals that day.
Shop primarily at Zher’s, a Loblaw store. I choose this store because:
closest grocery store, walkable distance
underground parking (for bad weather)
a large variety of plant food in the frozen section
The prices are second to Wal-mart, which is in the same plaza as my Zher’s. However, this Wal-Mart lacks a produce section which is kind of a big deal for a plant-based guy. They also don’t have self-serve checkouts which means waiting in line more often than not. I used to split my grocery bill between the two in a timely fashion but it’s an added complexity that saved me approximately 5% (or $5 per $100 spent) each time. My time and simplicity are worth more than that.
2012 Toyota Corolla: $221.51
Bought used to cash so no payments
Fuel Costs: $108.28
Licence Plate Sticker: $10
Spotify Family Plan Music Streaming: $16
I share this family account with a few family members - in return I get access to Netflix and Disney+ for free.
This price will go up once Spotify is required to collect HST.
Professional Certificate Fee: $14.16
Trying new soap or face masks is discretionary and not included
Phone Plans: $0
Two Public Mobile phone plans.
$15 account for me and the $25 account for my wife.
Both are at $0 because my readers used my referral codes. You guys are the best.
Tangerine Chequing: no fees
EQ Bank: no fees
Rogers Elite Mastercard: no fees
Canadian Tire Mastercard: no fees
Wealthsimple Trade TFSA: no fees
Wealthsimple Trade RRSP: no fees
RBC LIRA: $0 (DRIP in place)
** Mobile Users, hold your phone sideways for this one **
The Fixed Expenses
- costs are calculated monthly
- every monthly cost you see is averaged out over a year. For example, utilities will of course fluctuate depending on the season so the monthly cost swings from $140 to $250
Total: $1,247.92 Annual: $14,975.04