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Housing 101 in North America

Finding the room? 

How to overcome the first challenge for newcomers?

Whether you are a first-time renter or someone with experience renting. There are many things to consider when you're looking for a place to live. 

Here are some helpful tips to get you started to understand the housing in Canadian community.

1. Know your budget

To help you plan out your budget

Tool: Student living cost estimate

https://itools-ioutils.fcac-acfc.gc.ca/BP-PB/budget-planner

Financial Goal Calculator

https://itools-ioutils.fcac-acfc.gc.ca/FGC-COF/home-accueil-eng.aspx

2. Location, Location is prime

Using Google Maps to verify the distance from your rental house to other places such as your campus, local grocery store, pharmacies, and access to public transportation.

3. Living situation

Type of accommodation can make a big difference in cost (the privated bedroom, basement, condos, apartment)

=> Live with roommates is the cheapest option.

4. Shop around

Creating the list of rental options.

Take into consideration factors such as location, amenities, lease term, and proximity to essential services.

5. Be prepared

You may need to provide references or credit before signing a lease. You may also require a co-signer/guarantor if you do not meet the financial requirement.


Other helpful link:

1. Financial Goal Calculator

As you currently have money left in your budget, you could put that money toward a savings goal

https://itools-ioutils.fcac-acfc.gc.ca/FGC-COF/home-accueil-eng.aspx

2. Education funding

Your children’s future and success are important. See how you can help them reach their full potential by learning all about

https://www.canada.ca/en/services/finance/educationfunding.html?utm_source=itools&utm_medium=bp_canada_link&utm_content=education_funding_en&utm_campaign=budget_planner?utm_source=itools&utm_medium=bp_canada_link&utm_content=education_funding_en&utm_campaign=budget_planner

3. Setting up an emergency fund

The most intriguing part of life is 'Unpredictability'! You never know what is going to happen tomorrow

You should have an emergency fund so you can pay for unexpected expenses

https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/setting-up-emergency-funds.html?utm_source=itools&utm_medium=bp_canada_link&utm_content=emergency_fund_en&utm_campaign=budget_planner

4. Retirement planning

A comfortable retirement requires saving and planning. It’s never too early or too late to start

You’ll find information on the different types of retirement income and how much you’ll need to save.

https://www.canada.ca/en/financial-consumer-agency/services/retirement-planning.html?utm_source=itools&utm_medium=bp_canada_link&utm_content=retirement_planning_en&utm_campaign=budget_planner

5. Education funding

You are not sure how much and when to save for your children’s education?

Learn all about education savings and see how the government can help you build those savings.

https://www.canada.ca/en/services/benefits/education/education-savings.html

6. Teaching children about money

Since you are a parent, you know how important it is to teach your kids how to manage their money. If you start early, you can build on their knowledge as they grow.

https://www.canada.ca/en/financial-consumer-agency/services/teaching-children-money.html?utm_source=itools&utm_medium=bp_canada_link&utm_content=teaching_children_en&utm_campaign=budget_planner

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