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Typical Canadian Family's Finance 加拿大典型家庭的财务

12/11/2014

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加拿大有一个很好的理财杂志 money sense. 我喜欢看其中的 family profile 分析。看得多了,我几乎能掌握典型的加拿大家庭的财务状况。以下就是他们的数字:

家庭收入 Total income : 11万 至 14万 110,000 ~ 140,000.
税及扣款 Taxes and deductions : 41,000.
可支配的收入 Net disposable income : 70,000 ~ 100,000.

他们通常有一项支出: credit card/ line of credit payment 信用卡利息. 基本是每年 6000. 这是我不喜欢的。要是我的话,这两项的利息支出为零。

住房开支:
房贷还款 Mortgage: 16,000 ~ 28,000.
房屋保险 Home Insurance: 400 ~ 800.
房屋维修 Home maintanence: 500 ~ 2,000.
水、电、燃气 Utilities: 3,600. 每月 per month 300.
电话、上网、电视 Phone/internet/TV: 1,800 ~ 2,400. 每月 per month 150 ~ 200.

交通开支:
汽车贷款 Car loan: 3,000 ~ 5,000. 有的要豪华,每年可到1万。
保险 Car insurance: 1,600 ~ 2,800.
汽油 Gas: 2,500 ~ 5,000.
维修 Maintenance: 200 ~ 2,000.

其它:
食物 Groceries: 6,000 ~ 10,000.
衣服 Clothes: 1,000 ~ 3,000.
出外就餐 Restaurants: 1,000 ~ 2,000.
度假 Vocation: 3,000 ~ 10,000.

算下来之后,余钱很少。养老方面,政府有 CPP, OSA. 大多数家庭购买 RRSP. 有些给孩子买 RESP. 还有的买一些保险。有些人贷款去供 RRSP. 据说是合算的。

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    I settled down in Vancouver 8 years ago. Like all the immigrants who come to Canada to pursuit a new life in this free and strong land, I am especially interested in financial products. I believe, by using proper bank accounts, we can greatly enhance our financial lives.

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