2021.12.04 01:06 Hamzturd Just bought an apartment, should I have saved more?
Purchase Price: $472,395 (includes GST) Down Payment: $94,479 (20%) Mortgage: $377,916
I bought a new build, finished in mid 2022. Currently paying off the down payment through my parents HELOC. In the end, should be 50k left on the HELOC when I take ownership. Will switch to interest only payments, which are ~125/month.
Recently got a raise at work, make about $62k/yr. Job security is great, and expect decent upward trajectory over the next 5 yrs. I’ll have about 14k in savings at move in, to act as my emergency fund.
Take home pay is $3760/month. My estimated bills are as follows:
2500/mon in housing bills (mortgage, strata, insurance, property tax, HELOC interest, sewage and water, utilities, and internet)
600/mon car gas, maintenance, and car insurance (car is paid off)
640/mon for food, entertainment, and savings
Did I make the right choice getting into the market when the bills are tight or should I have saved longer? I currently live at my dads rent free, but my mental health is deteriorating. I can’t stand the mess and just want to live in a clean space. The PFC side of me is questioning taking on large debt, instead of waiting longer when I have more $ and a better salary
submitted by Hamzturd to PersonalFinanceCanada [link] [comments]
2021.12.04 01:06 MistakeIncarnate Me an My friend keep trying to join a global union room via code and we just don't connect to each other. Anyone know how to fix this?
2021.12.04 01:06 rjhelms Peterborough Public Health shuts down Peterburgers for ignoring COVID-19 safety rules
|submitted by rjhelms to Peterborough [link] [comments]|
2021.12.04 01:06 EGR_Militia Well I guess I know where my kids will be attending college.
|submitted by EGR_Militia to GoldandBlack [link] [comments]|
2021.12.04 01:06 KennyHikes 211204 - Yabuki Nako Twitter Update
|submitted by KennyHikes to iZone [link] [comments]|
2021.12.04 01:06 Happy_S_endings U.S. Covid vaccinations spike as several states confirm omicron cases
|submitted by Happy_S_endings to AllThings_Covid [link] [comments]|
2021.12.04 01:06 lepepsiman We have to make it stop.
|submitted by lepepsiman to memes [link] [comments]|
2021.12.04 01:06 couponfordeals 26% off > $294.99 < POCO F3 Banggood Coupon Promo Code [6+128GB] [Australia Warehouse]
|submitted by couponfordeals to couponPromocode [link] [comments]|
2021.12.04 01:06 meepeep2 GUYS LOOK
|submitted by meepeep2 to jschlatt [link] [comments]|
2021.12.04 01:06 Soft_beauty2019 Santa is on to something 👀
|submitted by Soft_beauty2019 to CEI_stock [link] [comments]|
2021.12.04 01:06 dilettantedebrah Spain approves new law recognizing animals as ‘sentient beings’
2021.12.04 01:06 uwugoat [NO SPOILERS] I need some closure/answers
So I recently finished rewatching GOT and I've got to say, Season 1-4 were amazing. I appreciate seasons 4, 5 and 6 but season 7 felt like it was going downhill a little bit and season 8 oh dear god. I watched it when it first came out and felt like it was rushed. Rewatching everything in continuation order just breaks my heart how poorly scripted Season 8 was. I'm sure the cast and all the crew put a lot of work into Season 8 but watching season 8, it felt like there were many logical gaps.
Did anyone feel like this too?
submitted by uwugoat to gameofthrones [link] [comments]
2021.12.04 01:06 Nevaeh-AM4 Range rental recommendations?
2021.12.04 01:06 Ehansaja Seeing snow for the first time.
|submitted by Ehansaja to MadeMeSmile [link] [comments]|
2021.12.04 01:06 Sharp_Repair_1064 None of these were conjured does anyone want to explain what the hell is happening 🙄
|submitted by Sharp_Repair_1064 to PvZHeroes [link] [comments]|
2021.12.04 01:06 ProudBlackDood These are the kind of people who ruin it for us conspiracy theorists with braincells. Please don't lump us in with these dudes!
|submitted by ProudBlackDood to Anarcho_Capitalism [link] [comments]|
2021.12.04 01:06 cybersloth5000 New player here, I'm getting stuck when buying any characters from the store
When I try to buy a character I get a message asking if I want to unlock that character, I press ok then I hear a sound and then I get stuck in that screen. I can't go back to the main menu or do anything, the game didn't freeze because I can see the character moving around and I hear the music in the background but I can't really do anything other than stare at that screen. If I quit the game using the task manager and launch it again the character I wanted to buy is still locked. I'm a PC player btw.
submitted by cybersloth5000 to deadbydaylight [link] [comments]
2021.12.04 01:06 SanDiegoLibreBot DUNE is playing in IMAX at the fleet science center.
2021.12.04 01:06 iamhim202199 ⚠️Dm me if you want her sextapes $3 for the three of them or $1 a video of your choice cashapp PayPal Venmo or Apple Pay only⚠️
|submitted by iamhim202199 to Therealjael1n [link] [comments]|
2021.12.04 01:06 Shifae13 Who else pronounced it Aes Sedai, or Aes Sedai, instead of Aes Sedai?
2021.12.04 01:06 FatalGoodiez Which Celebrity would you have narrate you life story?
2021.12.04 01:06 Mysterious_Forever_4 Theater is in a sad state still
It’s broken, I still can’t watch games starting from my own point of view, and when I finally can get to myself it randomly switch to a different person on the other team. How is something that’s been a part of Halo since H3 in such disarray and is frustrating to use?? I just wanna rewatch the cool stuff that I do something crazy that happened in the match but Thayer is actually unusable it’s sad.
submitted by Mysterious_Forever_4 to halo [link] [comments]
2021.12.04 01:06 AutoNewspaperAdmin [World] - SKorea sets daily records for new coronavirus cases, deaths | Toronto Star
|submitted by AutoNewspaperAdmin to AutoNewspaper [link] [comments]|
2021.12.04 01:06 MightyMick86 Economistician requested that I share his last words with the board.
2021.12.04 01:06 PeaMaleficent3803 Realizing I’m past the fun part - cocaine addiction
While going through this communities threads I have come clean with myself that my cocaine use has transitioned into addiction. 27 years old and what started as occasional weekend lines has turned into picking up a bag every other day just for myself. It would be every day if I didn’t live with my girlfriend and have to act like I’m not hungover 90% of the time. I have developed the mental link of needing coke as soon as I’ve had one drink.
It has been reassuring and honestly disheartening that many people have shared the same exact thought process of immediately regretting while using and inevitably doing it all over the next day. I’m so upset with myself for letting it get to this point and really feel like somehow my brain has been on autopilot leading me to here. I also feel like I did this to myself and I’m getting more worried that I can’t get myself out.
I know I need to seek help and let my girlfriend of 5 years know that I am struggling but I am terrified of what may come from that. Any suggestions are welcome and appreciated.
submitted by PeaMaleficent3803 to REDDITORSINRECOVERY [link] [comments]