От вам ChatGPT розкидав🌝 Він навіть занизив деякі категорії на мою думку, але +- з цифрами згоден. Ще раз, це на середньостатистичну сімʼю з 1 дитиною, для комфортного життя, без надмірностей чи недостачі чогось(хоча особисто категорію подорожей яб збільшив). Income after tax, approximately 🌝 Депутатами навіть не пахне😿
Yearly Budget for $150,000 Income
1. Essential Expenses (25-30%) - $37,500 - $45,000
Category Monthly ($) Yearly ($) Details
Mortgage 1,800 21,600 Assuming $450,000 home with a 25-year mortgage at 5.5% interest and 20% down payment.
Utilities (Water, Gas, Electricity) 300 3,600 Average monthly utilities for a family in Winnipeg.
Property Taxes 400 4,800 Approx. 1% of home value annually.
Groceries 900 10,800 Food and household items for 2 adults + 1 child.
Insurance (Home/Auto) 400 4,800 Two cars and home insurance.
Childcare 800 9,600 Full-time daycare for a 3-year-old (subsidized).
2. Transportation (10-12%) - $15,000 - $18,000
Category Monthly ($) Yearly ($) Details
Car Payments (2) 700 8,400 Mid-range SUVs or sedans.
Gas 300 3,600 2 cars, average mileage per month.
Maintenance 100 1,200 Regular servicing, tire replacements.
Car Insurance 300 3,600 Part of essential expenses above.
3. Travel (10%) - $15,000
Category Yearly ($) Details
Trips (3/year) 15,000 Domestic/international mix (airfare, lodging, activities).
4. Discretionary Spending (20-25%) - $30,000 - $37,500
Category Monthly ($) Yearly ($) Details
Dining Out 400 4,800 Restaurants, takeout, and coffee shops.
Entertainment 300 3,600 Movies, subscriptions, and family activities.
Clothing 250 3,000 Apparel for parents and child.
Sports/Classes 200 2,400 Gym, swimming, or music classes for the child.
Miscellaneous 300 3,600 Gifts, donations, and other unexpected costs.
5. Savings/Investments (20-25%) - $30,000 - $37,500
Category Monthly ($) Yearly ($) Details
Emergency Fund 500 6,000 3-6 months of expenses.
RESP (Child’s Fund) 400 4,800 Contributions toward child’s education.
RRSP Contributions 1,000 12,000 Retirement savings.
TFSA/Investments 1,000 12,000 Flexible savings for long-term goals.
Summary
Category Yearly Total ($) % of Income
Essential Expenses 37,500 - 45,000 25-30%
Transportation 15,000 - 18,000 10-12%
Travel 15,000 10%
Discretionary Spending 30,000 - 37,500 20-25%
Savings/Investments 30,000 - 37,500 20-25%
