CARA AND WILL’S TYPICAL MONTHLY EXPENSES

INVESTMENT AND SAVINGS: $200

■ $200 to TFSA. “It’s with a credit union.”

■ $0 to RRSP. “I’m contributing nothing to my retirement right now. "

■ $2,000 to all credit cards, student loan, lines of credit.

HOUSEHOLD AND TRANSPORTATION: $2,682.47

■ $1,780 to rent.

■ $55.16 to renters’ insurance.

■ $41 to additional parking space. “One parking spot is included with our rent.”

■ $260 on gas. “My commute is 30-35 minutes to work. Will’s is 15 minutes.”

■ $293.61 on car insurance. “I have a 2015 Chevy Trax – it’s paid off.”

■ $105.23 on car payment. “Will still owes $6,100 on his car, a Mazda 3.”

■ $56 on internet.

■ $30 on Netflix and Amazon Prime.

■ $61.47 on apps. “I have an Audible subscription. I also have a subscription for Lose it, a weight-loss app.”

FOOD AND DRINK: $1,615

■ $800 on groceries. “We usually go to Superstore for the points or Save-On Foods for a one-off item. Will is a celiac. We have to buy gluten-free food for him.”

■ $600 on eating out. “I do Door Dash. We usually do Thai, Indian or Cactus Club. Or we’ll go to craft breweries and sit on the patio.”

■ $90 on coffee/tea. “I go three or four times a week to Starbucks.”

■ $125 on alcohol. “I usually buy coolers.”

MISCELLANEOUS: $1,383.51

■ $685 on workshop space rental. “We rent a maker space where they rent tools and workshops. I like to do jewellery and I paint in my spare time. I want to sell necklaces and earrings on Etsy. Will is making pocket knives and cutting boards.”

■ $104.96 on gym memberships. “I go three times a week – I do a couple of classes or a 30-minute circuit.”

■ $124.95 on yoga.

■ $145.60 on cellphone. “It’s one plan split between the two of us.”

■ $100 on clothing. “I like Suzy Shier, Winners. I buy business casual. For him, it’s Old Navy.”

■ $75 on nails.

■ $30 on sports. “He drops in to do archery. His goal is to purchase a bow but they’re actually quite expensive.”

■ $10 on fishing. “We go fishing in the summer.”

■ $50 on dog food. “He’s a dachshund – a pandemic dog. He’s one year and four months old. He has allergies and has to eat hypoallergenic food.”

■ .$58 to vacations. “We like to go rock hunting and camping. We really want to go to Mexico and Iceland.”