Basic lifestyle. Assistant

BASIC LIFESTYLE. ASSISTANT


Working outside PT Group - CIG

September 18, 2023

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Budget. $2000-2800 per month after tax income minimal

Rent $700 - shared home. Room in home + rules with parking & shared washroom + kitchen 
Food $250
Mobile $80
Home insurance $35

$1060 + $1500 = $2660
$1060 + $405 = $1465

Vehicle $1500
Vehicle $405

Difference. 

$500-1500+ per month for Clothing, accessories & footwear then savings strategy

If the worker looses income someone else has to subsidize until they are working again 

VEHICLE $10,000 HONDA CIVIC 2007-2012 Model 2023-2025 costs

Under 150,000 km keeping to 700,000 km

$215-250 per month insurance as secondary driver
$155 maintenance
$840 per month 12 months. $420 interest

$1245 total

Fuel expense $200

$1500 per month first year
$405 per month after

Maintain vehicle for 15-20 years no payment after first year. New brakes & tires every 3-5 years for $2000 then regular maintenance

New G2 driver with drivers ed  $275-600 per month on the older model Honda Civic unless secondary driver on specific rate then $215-250 with Class G over 10 years perfect record in Ontario Canada 

Toronto Ontario rates. 2023 September 

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ONCE VEHICLE IS PAID 

$10,000 + in emergency funds saved & never touched 

Good credit score maintained 

50% savings towards emergency fund & retirement 

50% for consumable clothing, accessories & footwear then items of interest

Used & new variety of items in storage & your room easy to move & store organized strategically & catelogued with receipts & records of employment for insurance 

Used maintained Motorcycle - on-road off-road for rural area 

Used maintained ATV off-road for rural area with trailer for Civic

Specific boardsports items. Sporting goods & accessories 

Maintain a quality of life in a work life balance making the best of it 

Quality of life. Easily obtained & maintained over time 

You can go in on a mortgage with investors easily through a plan then share a property long-term

Minimal debt for anything to maintain including for education 

Always options 

PT Group - CIG  

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