本文发表在 rolia.net 枫下论坛Mortgage 3,000 (double payments)
Property tax 320
Insurance 65
Utilities (gas, hydro, water) 250
Telephone, cable (basic + 城市电视)
& High-Speed light (not including
cell phone, LG uses company cell,
LP's cell $100 per year, pay as you go) 110
------------
Total house expense 3,745
Car insurance 235
Car gas 250
Car loan (starts Sep/06) 603
-----------
Total car expense (2 cars) 1,088
Grocery and other 1,200
Child care 1,200
RRSP ( ~ 28,000 a year) 2,350
RESP (3 kids) (8,000 a year) 670
Support to family in China (2000 - 3000 per year) 200
-----------
Total monthly expenses 10,453
======
We have been in the position for the past 4-5 years. Current mortgage balance $172,000.
The money doesn't stop here:
New grass in back yard this summer $1,200
New tankless water heater this summer 2,550
New mower this summer 500
More to come:
4 teeth implants at the beginning of 2007
(not covered by dental insurance) $12,000
Our friends never believe we haven't paid off our mortgage. They all believe we should have paid off 2 house morgages. Here is our real bottom line.
We are hoping we'll be rich when our kids are grown up.
Believe it or not, share another information with you: one of my client gave me a listing of 2005 medical expense for about $35,000. When I confirmed with her whose expense is that, it turned out to be her 15 years old dog (about 105 years old if it were a human), who died (安乐死) in 2005. Since the dog is not a family member for income tax purpose, no tax credits can be claimed for that $35,000 medical expense.更多精彩文章及讨论,请光临枫下论坛 rolia.net
Property tax 320
Insurance 65
Utilities (gas, hydro, water) 250
Telephone, cable (basic + 城市电视)
& High-Speed light (not including
cell phone, LG uses company cell,
LP's cell $100 per year, pay as you go) 110
------------
Total house expense 3,745
Car insurance 235
Car gas 250
Car loan (starts Sep/06) 603
-----------
Total car expense (2 cars) 1,088
Grocery and other 1,200
Child care 1,200
RRSP ( ~ 28,000 a year) 2,350
RESP (3 kids) (8,000 a year) 670
Support to family in China (2000 - 3000 per year) 200
-----------
Total monthly expenses 10,453
======
We have been in the position for the past 4-5 years. Current mortgage balance $172,000.
The money doesn't stop here:
New grass in back yard this summer $1,200
New tankless water heater this summer 2,550
New mower this summer 500
More to come:
4 teeth implants at the beginning of 2007
(not covered by dental insurance) $12,000
Our friends never believe we haven't paid off our mortgage. They all believe we should have paid off 2 house morgages. Here is our real bottom line.
We are hoping we'll be rich when our kids are grown up.
Believe it or not, share another information with you: one of my client gave me a listing of 2005 medical expense for about $35,000. When I confirmed with her whose expense is that, it turned out to be her 15 years old dog (about 105 years old if it were a human), who died (安乐死) in 2005. Since the dog is not a family member for income tax purpose, no tax credits can be claimed for that $35,000 medical expense.更多精彩文章及讨论,请光临枫下论坛 rolia.net