В газеті що я виписую, по суботам є секція Financial Facelift, там люди звертаються за рекомендаціями по фінановому плануванню. І фінансист -порадник детально розглядає їх ситуацію, з конкретними цифрами прибутку і витрат, ось приклади:


1.

Monthly net income

$6,120

Assets

House $450,000; cottage $250,000; his RRSP $340,000; her RRSP $200,000; her defined-contribution pension plan $101,000; non-registered investments $186,000; TFSAs $30,000. Total: $1,557,000

Monthly disbursements

Property taxes on house and cottage $460; utilities $225; property insurance $95; car insurance $170; gasoline $265; car maintenance $95; groceries $800; life, critical illness and disability insurance $268; phone, cable, Internet $180; home maintenance $110; clothing $45; gifts $170; vacation and travel $850; personal $165; club membership $50; entertainment $85; RRSP contributions $1,000; other savings $1,000; professional association $85. Total: $6,118

2.

Monthly net income: $7,085

Assets: Bank accounts $5,000; RRSPs $116,000; residence $925,000; rental property $1-million; barge $174,000; pension total asset value $1.8-million (total of both indexed pensions). Total: $4-million.

Monthly disbursements: Groceries, drinks, dining out $1,000; clothing $150; medical, drugs, dental $300; cleaning service $70; property taxes $900; property insurance $205; utilities $250; telecom, cable $120; repairs and maintenance $265; furniture, appliances $200; vacations $350; entertainment, books $300; education, hobbies $150; auto expenses $100; loan, credit card payments $250; critical illness insurance $110; group insurance $110; donations $150; gifts $50; pets $100; health club $80. Total: $5,210. Savings capacity $1,875.

(Disbursements exclude barge operating costs of $500 and mortgage payments on rental property and barge of $3,000 because they are business rather than lifestyle expenses.)

Liabilities: Credit cards $13,000; line of credit $269,000; residence mortgage (taken to buy barge) $170,000; rental property mortgage $280,000. Total: $732,000.

3.

Monthly net income

(including rent)

$7,770.

Assets

Bank account $75,000; GICs $39,000; RRSP $101,000; Sunshine Coast home $300,000; Vancouver house $750,000. Total $1,265,000.

Monthly disbursements

Mortgages $3,570; condo fees, including water, sewer $665; property tax $475; home insurance $75; heat, hydro $150; maintenance $165; auto insurance, fuel, maintenance $390; groceries $640; clothing, dry cleaning $135; gifts $20; charity $20; vacations and travel $210; personal $90; dining out $70; pet expenses $145; entertainment, subscriptions $45; sports, hobbies $85; dentists, drugstore, vitamins, health, life insurance $105; telecom, cable, Internet $310; RRSP $100; other savings $250. Total: $7,715

Liabilities

Sunshine Coast mortgage $251,000; Vancouver mortgage $284,000. Total $535,000.

4.

Monthly net income

$9,750

Assets

Bank account $2,500; her RRSP $8,700; his guaranteed income fund $236,000; her pension plan $15,706; residence $325,000. Total: $587,906

Monthly disbursements

Mortgage $1,400; property tax $110; utilities $185; house insurance $110; maintenance $100; car loan $286; car insurance $233; fuel $350; maintenance, parking $125; groceries $950; clothing $40; line of credit $400; gifts, other $175; personal $100; dining out, entertainment $135; pets $50; sports, hobbies $50; subscriptions, other $40; dentists $35; prescriptions, vitamins $30; life insurance $125; disability/critical illness insurance $65; telecom, cable, Internet $378; RRSP $1,135; education costs $415; other saving (slush fund) $450; union dues $380. Total: $7,852. Surplus: $1,898

Liabilities

Mortgage $76,000; car loan $3,200. Total: $79,200

5.

Monthly net business income (variable)

$20,666

Assets

Bank accounts, personal and corporate $163,000; investment accounts, personal and corporate (mutual funds) $831,000; TFSAs $20,000; RESPs $27,700; Dan's RRSP $53,000; Lou's RRSPs $53,300; residence $254,000.

Total: $1.4-million.

Monthly expenditures

Groceries, eating out $650; clothing $40; medical $15; child care, cleaning $135; miscellaneous $500; property tax $485; home insurance $40; utilities $180; telecom, cable, Internet $270; auto $190; vacations $750; entertainment $50; education/hobbies $160; gifts $55; critical illness, life, disability insurance $745; personal and corporate universal life policies (savings) $5,800; RESP $415; TFSA $850; personal investments $1,165; corporation investments $5,000.

Total $17,495

6.

Monthly net income: $6,900

Assets: Cash in bank: $1,000; mutual funds: $3,500; spousal RRSP: $13,000, residence: $250,000. Total: $267,500.

Monthly disbursements: RRSP: $100; RESP: $150; pension plan: $390; groceries: $200; eating out: $300; clothing: $120; pet care: $80; medical, dental: $50; mortgage, taxes: $670; utilities, house insurance: $220; phones, cable, internet: $290; maintenance: $50; entertainment: $30; gym membership: $20; swim club: $90; music lessons: $230; auto loans and expenses $1260; life insurance: $118; leave of absence pension/ buyback: $175; group insurance: $37. Total: $4,580. Savings capacity: $2,320.

Liabilities: Credit cards: $500; line of credit: $10,500; auto loans: $30,000; mortgage: $250,000. Total: $291,000.

7.

Monthly net income: $5,870

Assets: Bank accounts $4,900; RRSPs $55,593; RESP $4,325; employer pension plan $14,135; residence $430,000. Total: $508,953

Monthly disbursements: Mortgage $1,372; property tax $230; utilities $198; home insurance $67; vehicle expenses $320; groceries $550; child care $480; gifts $25; charitable $500; entertainment, subscriptions $80; pets $20; dentists $60; life insurance $56; telecom, cable $87; educational needs $100; professional association $75; loan payments $125; other $100; RRSPs $200; Total: $4,645

Liabilities: Mortgage $240,000; line of credit $15,260; student loan $6,250. Total: $261,510

8.

Monthly net income

$12,790

Assets

Bank accounts $24,700; TFSAs $22,400; RRSPs $168,800; employer pension plan, his $15,500, hers $19,800; house $690,000. Total: $941,200

Monthly disbursements

Mortgage $2,990; property tax $220; utilities $185; property insurance, security $80; maintenance $500; car payment $920; car insurance $290; fuel, and maintenance $490; parking $95; groceries $400; child care $1,600; clothing, cleaning $155; family loan repayment $200; gifts $100; charitable $35; travel $400; personal $270; dining out $400; entertainment $150; telecom $200; RRSPs $2,500; group benefits $210. Total: $12,390

Liabilities

Mortgage $279,000; car loans $37,000; family loan $9,600. Total: $325,600

9.

Monthly net income (after income tax, CPP, EI): $4,590

Assets

Present value of pension $630,970; home $300,000; RRSP $178,000; non-registered investments (bonds, mutual funds) $68,000; TFSA $16,890; left in RESP $23,000; ING savings account $48,715; cash in bank account $1,900; Sun Life shares $5,000; share of jointly held family cottage (about $93,000) excluded. Total: $1.27 million.

Monthly disbursements

Groceries $400; gym $60; utilities $200; phone, Internet $70; cable $45; property taxes $200; parking $60; car, house insurance $200; savings account $100; RRSP $250; house alarm $25; newspaper $18; other life insurance $16; CAA $9; expenses for shared family cottage $150; clothing $50; entertainment $50; licence fees $10; gifts $50; travel $50; miscellaneous spending money $200; union dues $80; pension plan $540; health, dental, disability insurance $112. Total: $2,945. Savings capacity: $1,645

Liabilities

None.

10.
Monthly net income $5,600

Assets

Bank accounts $20,000; GIC $10,350; stocks $134,000; her TFSA $15,250; his TFSA $15,000; her RRSP $26,000; his RRSP $27,000. Total: $247,600.

Monthly disbursements

RRSP contributions $1,100; groceries, dining out $500; clothing, dry cleaning $75; drugs, dental $25; tech tools $25; gifts $65; rent $1,100; house insurance $35; telecom, cable, Net $170; vacations $300; entertainment $40; courses, hobbies $500; auto expense $330; public transit $120. Total: $4,385. Savings capacity: $1,215.


Це просто кілька випадків, з різними досить непоганими для Канади прибутками. Цифри дають гарне представлення, на що тут йдуть гроші і як в середньому багато люди відкладають.
Гляньте скліьки люди витрачають на одяг. В основному це не на одну людину, а на сімю, часто з дітьми. Чи ше хтось дивується що канадці погано одіваються ? :) . Чи що скдалається таке вражежня що багато хто із них має дві пари взуття на всі сезони, вєтнамки і угли? :)