The old country, the new country

I was born more than 3 decades ago in a prosperous (at the time) socialist/communist country in Europe.By the time I was 10 it was erased from the maps by a start of a war that will turn into years and years of never ending conflicts. That is how long I was a child, 10 years.That is how long my parents were able to see the future for me and my younger sister, and be sure they will be able to provide for us.After 1991, when Yugoslavia fell apart, or was literally torn apart, my life was very weird.
After the initial disbelief that this is actually happening to us, followed the bloodshed, killings, fear and eventual collapse of economy. Factories stopped, store shelves were empty and money lost it's value due to hyperinflation.My parents navigated the chaos the best they could, they kept going to work and bringing food home. They raised chickens in our backyard, they got wood for the stove we put in the house, once we lost electricity due to power shortages,they found a way to make preserves and stock up on flour and potatoes for the Winter...they kept on living and surviving for us.
It was not fun, I don't like to go there in my memories, but at least I wasn't kicked out of my house and we had food, others were not that lucky.
At one point, the hate that had risen out of the conflict which involved 3 main religions became very loud on the streets. My parents never raised me in either of their religions, we kinda lived in a communist country where it was not required of you to believe in anything but yourself, however, all of a sudden we started getting these papers at school that prompted us to choose a side, orthodox or catholic. I looked at them with genuine disgust, I refused to choose between my parents, one being in the first and other in the second religion, we always celebrated 2 Easters, 2 Christmas and they taught us to respect other people's choices in faith.At that point in my life I started to blame religion for all the bad things and wars around the world, everyone who comes from those places where people kill their neighbors in the name of the religion will know what I am talking about.I started to feel like I did not belong there because my mind could not see things black and white the way they wanted me to do, I just could not swallow the new wave of nationalism and hate, and I did not dare say that out loud.
Fast forward to my late twenties, I have managed to finish school for Early Childhood Educator, as well as the Teacher's University and to obtain license to teach ESL at public schools.I was married to a smart, kind man who had a degree in chemistry and master in IT, none of us was able to find proper work in a post war economy.We survived on what we could find, we lived in his parents house on the upper level that we had partially finished.We couldn't plan a family like that.In 2002 the pro-change prime minister of my country was murdered by his own policemen, we realized that there is no change for the better and no future for us there, we applied for Canadian visas the year when we got enough points to get into process, it was 2006.
We waited for the process to be finished for almost 4 years, in the meantime my son was born and then we waited a bit longer for his papers and visa to be done, he was only 3 weeks old on his first passport photo.Finally, in 2010 we were ready to go.
We had until mid June to immigrate and arrive to Canada,if we did not register here by then we would loose our visas. We bought our tickets for the end of May thinking it will ok.
Then a long named volcano in Iceland erupted for weeks , it moved, and postponed most of European and overseas flights, we became desperate to find a way to come, even looked at ships but the voyage was too long to get there in time...We finally landed here in the first week of June, in an overcrowded Alitalia plane, where my husband had to walk around so I could put my baby down for a few hours, it was the worst flight of my life.I was well aware that I bid goodbye to all of my friends, relatives, family, my former life and calling, and that I am now on my own, and that there is a chance that I might never see some of them again.
We landed in Toronto with 2 of the 3 suitcases we had packed with bare necessities, the one with baby clothes and diapers got lost, my son was to turn one the next week and I had no idea where he'll even sleep, we were crazy exhausted, our luggage stank of alcohol that leaked from someone else's case...I started to cry when the custom officer told me "Welcome to Canada."
We were then detained at the immigration with a young Roma girl coming from Germany with her baby, I started to chat with her in German and shared some baby cookies, when they realized I speak German they asked me to translate for them.We left an hour or so later and walked out to the Canadian side, it was a gray, cold rainy day over Toronto even though it was June and in my mind it was supposed to be hot and nice like the Summer I have left 13 hours behind me.
I remember thinking, looking at 401 "I will never learn how do drive here, everything is so huge, it's like a Japanese video game..."

How to save money or immigrant's budget tricks

My former country went trough a lot of "bad times", we had wars, hyperinflation ( where money lost it's value and it was useless) and economy collapse followed by embargoes and Nato bombing... You name it, we had it.10 years of my childhood and life was pretty much watching my parents trying to cope with all that and survive while raising me and my sister as normal as they could in those circumstances.I didn't understand much of that as a child, but looking back now it fills me with chills,as a parent I can feel the horror and worry that must have been in their minds every single day for years.
I'd said I have a pretty good idea on what happens when a thing like money suddenly changes or loses it's value.You have been working hard to earn for food and bills but at the end of the month you can buy a carton of eggs at the store, and THAT IS ALL, but the store has no food on the shelves and the house has no electricity because when money fails other systems soon follow. The factory production stopped, towns were unable to buy coal to produce electricity so that and the heating stopped too ( we had electricity from time to time with restrictions),hospitals are unable to restock medications,(when I got really sick one winter my dad had to buy penicillin shots on the black market to be given to me at the hospital because they had none, what followed was me almost dying from allergic shock...)and amidst all that chaos my parents and others kept going to work because it was the only thing they could do, it made life seem normal even though they got nothing at the end of the month.I went to school, we kept going, we had wood stove in the house that kept us warm and could be used to cook something, boil water for a bath (at least water was still running from time to time), my parents were magicians to fill the pantry with sacks of flour and potatoes, my mom turned every single fruit from our or neighbors back yard into preserves, she lined up the shelves with jams, tomato juice,plum juice and apple and peach juice, they traded box of soap for box of apples and laundry detergent for cartons of eggs... It kinda looked like the middle ages, where people tried to survive and swap what they had and could for what they needed.At that is not even scratching the surface on how they found ways to feed us and make our daily life look normal and also help our relatives and friends do the same.
I can say that living on a tight budget has been pretty much my whole life, immigration included.
It took us 7 years and a loan to save the money for immigrating to Canada, but we did not know that that sum can melt here in only 4 months if you are not careful.

Initial cost of immigrating and landing in Toronto can be high,you are required to bring a sum to cover first 6 months of your stay (and in Ontario your health care is not covered in the first 3 months, so you may have to take health insurance as well) but that sum of money may not be enough.
The first month melted the third of the sum we had, apart for paying for tickets 3000$, we had to pay for various other things including a used car (900$ plus registration and other fees), first and last rent around 2400$,various translating and other fees, drivers licence 500$, food, clothes and diapers for a whole month 800$,basic furniture (mattress, used furniture, ikea stuff)700$...
To sum up, we were told to bring around 16.000$ to last the 3 of us (baby just turned 1 when we landed)for the next 6 months, as we are not eligible for any financial assistance,the first month expenses were almost 6.000 $,one month- more than third of our money gone and we need to pay rent and eat the next month as well, and the following 4 months, except it will not be enough unless we started working yesterday.But as every immigrant knows the hardest part of starting is finding a decent job, and more about that hell latter.

So here are some tricks I used to stretch our budget:

1. Paying just for the basic things, we had no TV, no home phone just prepaid credit on cell phones and cheapest internet we could find.

2.Find the cheapest car insurance,if you got a car, call brokers or call at least a dozen to get better quotes,if you are not using a car for a month or two (we did live very close to work-walking distance) put it on park option (the car stays on the parking and you pay only 20$ a month).Use public transportation if possible -buy monthly passes, see if there are discounts available for students, low income, seniors etc.

3.Food- use coupons and buy on sale or clearance, look for items 50% of at the end of the day, most stores close deli section at 9 or even earlier, so meat, salads and other things like fruit trays will be half price after 8 pm, you can get a whole roasted chicken, fruit tray and sides for a whole family for under 15$ (it's a large dinner for 4 people that would cost more than that per person if served in a restaurant).Buy in bulk, especially the dry items such as pasta, cans and frozen items that can be stored.Visit your local ethnic stores such as Chinese, Polish, Korean and other because they often have much cheaper articles meat or fresh fruit in order to sell faster.As for pastry there is a shelf with half priced day old bread and other but since I love to bake my own, I buy a bag of flour on discount usually 10kg and just bake my own, (the math in here is 10 kg good flour on sale 8$ makes about 22 breads, more or less, with the average price of bread 2 to 5 $ this would cost from 20 to 50$, but that is not the only reason, the fact is I love my bread and hate additives they put in the store ones). That brings me to - cook as much as you can and know how to yourself, pack your lunches and sandwiches, don't buy prepared food (most of it is junk anyway).

4.Clothes, buy what you must and need only.Look for clearance items, when you need a good winter jacket or more expensive things go to Winners or Marshals, avoid outlets of brand names (the stuff they make for outlets is not the same quality as the other brand things, it is made cheaper for the outlets even though they will tell you it's the same thing- it is not). Sometimes is better to go looking at thrift stores for gently used quality or brand items, like Value village, Good will,and others.For kids there are also second hand or thrift stores, or kijiji and craig's list, most of my kid's stuff is not new because they outgrow things in matter of months, I prefer to buy gently used quality items for Winter at Once upon a child and other similar shops.
Also buy the most expensive things such as winter jackets or boots after the season when they are on clearance, for kids I buy 2 numbers larger sizes for the next Winter.I once bought 100$ boots for 22$ and a 200$ winter parka for 90$, I also paid 26$ for sandals in January on a store closing sale that I would never be able to buy (not even now) because they are priced at 200$ regular price.So buy off season and in advance, you are always going to need at least one pair of Summer or Winter shoes...as for kids, one of mine just skipped 3 numbers in one year.The best time of year for shopping cheap is week or even day after Christmas.

5.Furniture.Don't buy, ask if someone you know has something they'd give away, ask and look for free things on facebook groups, kijiji or even around your building.I still have crib, kids bed and desk I got from someone, however I have never taken a carpet or bed or mattress or any kind of fabric covered thing in Toronto being afraid of bed bugs ( the town is infested, our building had 10 cases of bed bugs).
I tried buying something on the kijiji and I made a mistake. It was not a good idea. I bought a table and chairs, it was too expensive to buy a new furniture, I thought that I'm buying ok stuff it looked fine on the photo but when we went to pay they were not clean and I had to clean them and scrub them, I wanted to buy some other things but it did not have a car big enough to move them...At the end Ikea was the best option for us, we knew we were going to move a lot and all of their stuff is light not too expensive and easy to take apart (I had to take apart and assemble the futon we bought 6 times when we were moving around), they also have a cheaper "as is" area where you can get the best deals if you don't care that the thing is scratched, kids will ruin it anyway.
My first pots, cutlery, dishes, plates, some blankets, a crib and toys all came from people we met here and later became our friends.We spent our first night in the rented apartment sleeping on some blankets on the floor because we had no furniture at all, no bedding, nothing but 3 suitcases we came with full of papers,baby stuff,diapers and clothes.
If you really need to buy things go for the most basic, cheapest and lightest options in case you have to move.There are many decent things available on kijiji.

6. Banking, find a no fee account and cards, don't even try to get a credit card, just use debit in the first year.There is no point going into credit debt if you don't work and you will not be given one if you don't have a job or a large sum of money on your account.Credit cards are not really useful unless you want to make a huge purchase, or you are forced to use them in order to get credit score at the bank (if you wish to buy a house or a flat one day).

7. Use free resources when ever you can, there are free libraries and internet all around, free language and employment help for newcomers,subsidy for daycare and much more.Organizations that work with newcomers are a good place to get the info on what might be good for you, internet, forums and blogs too.There are free tickets to museums, free passes and different discounts available to newcomers and most residents, Toronto library had one of those programs when I lived there.

There are small things that can save you money down the road such as taking driving classes (even if you know how to drive) and getting a certificate will make your insurance rate a bit lower once you start driving in Canada.

Hope this helps, if I missed something I will add it latter :)

Everything is different, I am getting used to it - June 2010

Aca passed the test for G1,the total cost was about 130 $ plus some papers we had to get from the embassy and translations.The car must then go to the safety and emission test and if it passes we can register it, you have six days after the purchase to do this.You should inspect the car before you pay for it or take it to the mechanic to see if it has some problems, because if the car cannot pass safety and emission test you can not drive it.The guy who sold us the car wrote a note on a torn piece of paper, saying I sell this car to "other guys name" at this price $ and signed it, we did not have any contract or anything, we registered the car to our name with that piece of paper, got the new plates and drove it.
There are also some taxes to be paid, it is difficult for us to get used to the fact that the tax is added to the price later, in my former country what you see is what you pay, but not here.The bill at the end of shopping can be much higher after the taxes are added, some things like cosmetics and clothes or luxury items have higher taxes while food is usually tax free, but not all of it, I am still trying to figure out how this works.In Ontario we have HST- harmonized tax of 13%, that means that if you think you have item in your cart that cost 100$ you will pay 113$ at the register, if the item is electric appliance or computer you will also pay environmental tax.
We bought a lap top computer, it was advertised at a price of 450$, after the taxes, environmental fee and such were added we ended up paying 560 $, this was a bit unexpected because we thought we were going to pay the advertised price, but this is how Canadian prices work.
Alcohol is sold at Beer store and LCBO it is much more expensive here, cigarettes are sold at a gas station or in special shops, you will not see them advertised or displayed anywhere because it is not allowed, rarely anyone smokes here, again coming from a country where everyone smokes even some kids and you can buy alcohol anywhere you want this was a huge surprise.One pack of cigs will cost from 7$ and up, they are expensive.
I don't use them so I don't really care, I actually like that I can breathe freely everywhere I go, and I totally agree as a mother that minors should not have access to alcohol as they please.
Another big surprise was the price of real estate here, omg the houses cost a lot, in Toronto houses cost millions in smaller towns the average for a single house is 300.000 $ if you are lucky.You can see this on MLS or realtor canada
http://www.realtor.ca/index.aspx?cul=2&gclid=CjwKEAiA_s2lBRCe1YPXxtSe-DcSJACCIh3LJCRfm3ZYJSR_7pZTJyGGJvpkiAkASVFWScFDayf7NRoCf-zw_wcB&

The food costs pretty much the same as in my former country, which is crazy knowing that average income there is maybe 500, 600$ a month and here about 2000$.There you do not have enough money to cover food, utilities and living, and here if the whole family is on one minimum wage and they have a car it is not enough at the end of the month.The car is like one more child, that is what people say, you pay hundreds of dollars for gas and insurance, you pay maintenance, it takes a lot of money away from the monthly budget.
It is really hard to get somewhere without a car because in large cities like Toronto it can take more than an hour to get to somewhere, one street in Toronto can be 50 km long, I could have never imagined this before I came here.The public transportation is reliable, nice and clean and the kids don't pay up to a certain age, but it is not convenient for grocery shopping, if you plan to use it get a grocery bag that has wheels or a small pull cart.

In Kitchener and Waterloo we have a couple of markets that I really love, my favorite is St Jacobs farmers market.The food is fresh from farms and there is also eggs, meat and dairy products. I grew up getting my stuff from the market and I don't really like superstores and their unknown origin foods,I love Summer when we can go to the market on Saturday.
Shopping here is a bit like cavemen hunting around for food, except we hunt for good price, there is so many stores and they all have different prices for the same product.Sobeys is the most expensive one, Shoppers and Rexall are more expensive when it comes to some products than the other stores, what I mean is we buy Head and shoulders shampoo, in walmart it costs about 4 $, in PC stores about 5.5 to 6 $ at Shoppers it is 6.99 $ and so on, each item has different price in different store, you get store flyers weekly and you can see the prices and discounts there.We usually buy stuff at Fresco which has cheaper prices and Presidents choice stores that have a reasonable priced quality products.
Moving to Canada has been a huge cultural shock and an eye opener to me,I keep comparing my previous place and this every day.
There all houses are made of bricks to last hundred years and for next generation, here it's all made of lumber and plywood, you can hear every step and it all echoes and squeaks under your feet, it is so unpleasant.If someone sneezes on the top floor you can hear it in the basement.We do not have basements like this in our homes, they are not built because of ground water that floods them, but here the basement is actually another room in the house.
There people make their own house by themselves and fix stuff, here you are not allowed to do that because you do not have school for that or paperwork etc. everything needs to be done by a contractor who is licensed to do that work.
Garbage disposal is different, we stuffed everything in one sack and throw it in a bin, here everything is separated and recycled, there is even a compost bin.
The vehicles do not make smoke and pollution like as was used to in my other home, here when you walk by the road you can actually smell the flowers and clean air, not stench and fumes.
There is social assistance and welfare, families with kids get monthly financial support from the government, this is something new to me, but a really welcome change for us having a small baby.
Old people in Canada have a good quality of life, unlike in some other countries, they socialize and travel and they have good health care.
I am surprised that I can barely hear English on the streets, I do hear a lot of other immigrant languages, chineese, spanish, portugese,russian,indian, polish and other.
There is this one thing that I don't like though, people who come from somewhere tend to form ghettos,they cluster in one area of town because friends bring them there or find them rent and they get stuck in their own group and don't bother much to learn English and have better language skills.This does not help them to find a better job at all.They integrate into their own community and stay there.I did not want to go this way, because I am trying to escape from narrow minded people you meet in such ghettos and from the way of thinking filled with hatred and politics a lot of people from my former country still have in Canada, that was the main reason that made us leave the country and run away from wars and crises.
It's like living in that country all over again except here, no way and no thanks!

Renting in Canada - June 2010

Depending on the area or the size of the town, the average rent in Ontario goes from 500 $ for the room to 1200 for one or two bedroom apartment or more for the house.
Basement apartments are usually small and not very warm, ideal for a single worker, they tend to be noisy too because the floor is made of wood and footsteps echo in the night.
One bedroom includes kitchen, living room, bathroom plus one room for sleeping, rent is from 650 to 1200, in large towns like Toronto or closer to city center it can be more than that.
Two bedroom apartment has two rooms plus living room, kitchen, bathroom- rent is from 750 to 1500 $, but these are just some prices in Ontario, there are cheaper or more expensive places too.
Usually the lease is signed for 1 year, the landlord can ask you to pay the whole year if you decide to move out before the end of one year lease, but you can ask them to let you move out if you find someone to take over the lease or you can sublet it.

It is a custom in Canada to pay first month and a last month rent in advance after signing the lease, be prepared to pay this amount when renting your first place.
As a newcomer you will be asked if you can provide someone to sign for you as a warrant in case you cannot pay the rent, usually a friend that lives here or a relative.

If you need to move and you have signed a lease, you have to let your landlord know 60 days before with a written notice or whatever period is in the contract, please read all carefully before you sign, and then afterwards read it again!

If you have any issues with management go to tenant rights board here http://www.ltb.gov.on.ca/en/
or one with tenant rights for your province to find out more.

What you can lease/rent

Basement apartment or room,
you will negotiate conditions with the house owner.
If you plan to rent a place for just a couple of months this is a better option because you can make a deal and don't have to sign a full year lease.

Apartment in a building

Buildings are run by a management, they will want you to sign a one year lease, if you for whatever reason decide that you need to move after 6 months they can demand that you pay for the full year, or they will give you the option to sublet the apartment.
https://www.cmhc-schl.gc.ca/en/co/reho/yogureho/fore/moou/moou_004.cfm
If you are taking over a sublet this means that you are not the primary signer of the lease, someone else is,and that you will be sharing the place or renting from him, not from the management, if you decide to sublet a place it would be wise to create a sublet contract and sign it with a person who is taking over the room or apartment, otherwise you will be responsible for damage they make and have to pay for it to the management.

A house

You can rent a house from the owner or from the management corp., this will cost more than an apartment, you will need to pay the utility bills, but you are not responsible for repairs and maintenance unless the damage is your fault or the contract doesn't specify that, always read the contract carefully and thoroughly.

You can find a sublet- a room, an apartment or a part of the house can be sublet.

Types of property in Canada

freehold- usually this would be a house that is owned by the owner, where he is a sole owner and pays bills and taxes etc.

condo- in most cases apartments are condos, or condominium that means that the owner is required to pay a condo fee monthly for maintenance to the condo corporation who is the owner of the building where you are the owner of the apartment unit or the land on which you buy your house. Condo can also be a house or a townhouse.Condominiums exist in most parts of Canada though more common in larger cities. They are regulated under provincial or territorial legislation and specific legal details vary from jurisdiction to jurisdiction. In most parts of Canada, they are referred to as Condominiums, except in British Columbia where they are referred to as a strata and in Quebec where they are referred to as syndicates of co-ownership.

Co-op real estate- A housing cooperative, or co-op, is a legal entity, usually a corporation, which owns real estate, consisting of one or more residential buildings; it is one type of housing tenure. Housing cooperatives are a distinctive form of home ownership that have many characteristics that differ from other residential arrangements such as single family ownership, condominiums and renting.
The corporation is membership-based, with membership granted by way of a share purchase in the cooperative. Each shareholder in the legal entity is granted the right to occupy one housing unit. A primary advantage of the housing cooperative is the pooling of the members’ resources so that their buying power is leveraged, thus lowering the cost per member in all the services and products associated with home ownership.

Types of housing

Apartment

Row house or townhouse

this is a house in a row of other units that look like houses, attached to each other. In each you share a wall on either side with the people who live beside you. Often, especially in cities, there may also be a smaller unit above each townhouse, so there could also be someone living above you or below you. Townhouses (sometimes called row houses) are usually 2 or 3 levels tall (each level is called a ‘storey’).

Detached House

This is a house that stands on its own. It is often referred to as a ‘detached’ home and tends to be the most expensive type of home to purchase due to the land costs. You own both the house and the land it is on. When your house needs repair or maintenance, you must pay for it yourself. House owners must also pay the monthly bills for water and heat, as well as their other bills (like telephone and cable television). Owners are free to make changes to their house, inside and out, but they must obey local bylaws and apply for renovation and building permits when necessary. Single houses appeal to a wide array of people, including families with children and generally provide more space and privacy than other unit types.

Semi

This is a home joined to another on one side. Owners are only responsible for the care and maintenance of their own side, just like a detached house. Owners of semi-detached homes own their side of the property, including the land it is on, and are responsible for its care and maintenance, according to local bylaws.Semi-detached houses are usually less expensive than fully detached houses, although, like all real estate, this depends on the area.

Duplex/Triplex

A duplex/triplex is a building that is divided into multiple units, each household has its separate entrance and is responsible for the care of its own unit. Typically, you would buy the entire property and rent a unit to help offset your mortgage payments. Types of homes that are ‘duplexed’ or divided into two or more separate living units may be detached homes, semi-detached or even row houses.

useful links

http://www.padmapper.com/

http://www.gottarent.com/

www.viewit.ca

www.mls.ca

www.kijiji.ca

Prices, shopping and driving- Tuesday, June 15, 2010

Today we went to the store, got some fruits, vegetables, meat, etc.. We went to the cheap store and bought  mostly stuff on discount, here are some prices of what what we bought and the final bill was about 150 cad.
pressed orange juice 2.7 l .......... 4 cad
fresh milk 4l .......... $ 5
cardboard milk 2l .......... $ 4.17
Yogurt 750g ............... $ 2 is not like us but as sour milk: (
500 ml sour cream ............ $ 2
tuna canned in water $ 0.88
baby food jars 200g $ 1
450g apples $ 1
eggplant 450g $ 1
blueberries 300g $ 1.50
450g courgettes 1.30
$ 1 cucumber 450g
300g peanuts $ 1.60
fruit yogurt 6 small units of 100ml $ 2
cream cheese $ 3
500g chicken breast $ 6
pepper 420g $ 1.18
2 kg of bananas $ 2.80
500g carrots $ 1.30
mayo 300ml $ 2
hard cheese 500g $ 6
chicken liver $ 2.20
Beer 18 tins 0.35 ml $ 25
pepsi cans 12 $ 3
600g frozen fish $ 6
450g pork ribs $ 4
Water 24 bottles $ 3
etc..

If you are wondering what will we do with all this, it is because we do not have car yet so we were buying for the next 2 or 3 weeks,it has to last until we can find a friend to take us shopping again or get a car.
Most of the things for kitchen and dishes I buy at the dollar store, clothes are cheap and made in China, they don't last long in the dryer...

You cannot get around here without a car.
My husband  has passed the tests for the G1,  the total cost about 130 $ plus translation and the cost for letter from consulate.The car goes to the safety and emission test, and you must do that in the period of six days after the purchase not later.
Every time you are paying something you have to add the costs of taxes which are not included in the price and are usually up to 18% depending on the merchandise.
Coming from the place where everything is included into price I always get a bigger bill than I expect at the register, I always forget about the extra taxes.
In the center of Kitchener there is a market on Tuesdays and Thursdays to which I have not yet been, and at the end of a St.Jacobs there is beautiful Amish Market, where you can buy organic food, of course, twice as expensive than regular stores food.
There is also a meat market and great Polish butcher store Euro deli. I browse flyers with discounts and it reminds me of a new way of hunting food so unlike our ancestors cavemen, people here mostly go shopping on Saturday, I avoid that because it's too busy for me.
There are so many microwave dishes and loads of junk food everywhere.
What I like so far:
- Lots of free wild animals, birds, geese, bunnies, racoons...great parks and nature.
- Playgrounds on every corner, love it, never that where I came from.
- Apartments  are more spacious
- Houses are bigger and prettier, cars too
- Air is so clean, there are no emissions or garbage lying around
- Almost everyone I've met has a job that can provide for what they need in life
- There are organizations that help immigrants
What I do not like:
- common laundry washer and dryer that I have to use with all the other people and pay
- there are some areas that kinda look like getos 
- Living of our savings things are expensive and we do not have income yet

Traps for beginners

 I always try to be as realistic as possible, not everyone will like being or living in Canada at first. We honestly thought that by getting our visas and documents we have finished with the paperwork, but there was even more forms and papers waiting to be filled and filed, you are never finished with bureaucracy. First of all you'll need to open a bank account, we went to the President's choice bank ( can be found in most Superstores or Loblaws and such) and opened a no fee account, paid 500 dollars on it and got our debit cards. Now we existed in the eyes of the money and credit scores world. We could rent something, pay our bills and get the  Internet access. They will explain to you how to shop for points on your cards, but try at first not to apply for MasterCard or other cards they'll offer you, in most cases new immigrants are refused because  they either don't have a job or not a well paid one or for some other reason...every time they refuse to give you any of the plastic cards bad credit points are added to your credit history. This shows to the banks if you are good buyer or not, after a few years when you want to buy  a car or a house or something that costs enough for borrowing money from the bank, they will review your credit score and seeing that you have "bad" credits even if it's not your fault, they will offer you less favourable conditions under which you can borrow money from the bank. This is a little game that I despise, you can argue that the bad credits caused by refusals are deleted from your record, but the damage is already done. Bad credits are given to you to describe numerous purchase behaviour, if you were refused for a credit card, if you paid your rent late or similar.


1. Having a car (or not)

Good people are everywhere, I've met a lot of them here. I couldn't even count how many little things they have done to make us feel better, they helped with the moving, gave us some furniture and dishes, most of stuff I bought online on kijiji.ca.We bought only necessities , mattress for us crib and chair for the baby and some kitchen things and table with chairs. The first couple of months really felt like camping .
The only thing we had to buy at all cost was a car, we bought cheap used one for amazing 900 $,chrysler intrepid '98. The cities are huge and sometimes one street is 100 km long and you can't go anywhere without a car, you have to shop diapers and baby stuff and food and have to carry that around with crying baby...the car saved us a lot of trouble and money.Found that on kijiji.ca too. My husband had to go to Toronto for a job interview because he couldn't find one in his field in Kitchener,thanks to the fact that he was able to travel there, he got that job.I can't imagine how hard would it be for him to concentrate on his answers and interview in whole if he had hours of riding the train and public transportation behind him, it would have taken him more than 4 hours to get there by any other way and he would have been dead tired.
The only bad thing about having a car is that insurance houses are merciless towards newcomers and will rip you off if you let them.Try calling as many as you can and brokers too to find the best offer.It took us 3 months to negotiate price of 230$ instead of 400 $ a month (what was the offer they all kept giving us when we moved to Toronto.)

2. Prices

Small pond lots of crocodiles...in one store a t shirt can cost 5$ and the same shirt will cost 25 $ in other store, some stores such as sears and bay are always more expensive than others. I bought a blanket in Wallmart for 10$ and saw it later in zellers for 25$. If you're not a fashion freak you can use fliers and internet to see where to shop and save, there are outlets for clothes and furniture or factory stores that are cheaper, there are discounts and rollbacks all the time, don't shop at real prices wait for clearances and discounts if you can, you'll save at least half of your money. The same goes for food and cosmetics. If you come from a country with metric measures like I do always remember that prices are per LB that is for 450 grams not a kilo, sometimes it just seams cheap but it's not.
If you don't like it or find it somewhere cheaper simply return it to the store in 10 days and they'll get your money back.(unless its food )


Keep all your bills during first 6 or 7 months, if you have to apply for welfare they will want to know where you've spent your money.On the other hand you will want to know how high are your monthly costs for food and housing too, to be able to manage your income and spending.

3. Providers

There are Bell, Rogers, Primus and some other ones.Each of them will "fish" you with their offers...and there are many options, bundles and prices.For international phone calls we used Startek or blue tone ranging from 7 to 11 cents per min, in whole I had no complaint about them, however the other ones are disastrous. The cheapest package will get you barely usable internet speed with interrupting or breaking skype calls, if you use above your limit you will be punished with extra 60 $ on your monthly bill and if you try to escape a bad provider you will pay another punishment of more than 70$. The more expensive bundles are more or less the same except they cost a lot more, our first income was one minimum wage salary and we barely had enough to cover our rent and food, giving more than 100$ a month for phone, net and TV and not even a useful ones seemed to much, after one year in Canada I still don't have a TV, nor do I miss it. For the time I have to spend watching it , couple of hours a day, I don't want to pay 100$ especially not for the channels in offer that don't suit me at all.It's up to you, if you need it, try finding a deal that best suits your needs and remember that you won't be able to get out,  even if they raise the price after few months, without being fined.

4. My favorite after the credentials recognition, the Driving license

It seems that two things are totally blurred and ignored after you come here, namely your diploma and your ability to drive here. I have driven for 12 years in Europe, and so did my husband and yet they treated us as if we have never driven a car in our life, we got our letters from the consulate that confirmed we did and scheduled tests to pay and get a canadian license. It costs under 100 $ all in all without classes and translations, and it can be done in one day if you're familiar with Canadian driving, I suggest taking a few classes just to get a hang of the rules.Also, google out G1 tests, there are numerous pages out there.
Go here to learn link
I wish it was that simple with the credentials too.


That is the one thing that makes me angry every time someone talks about it...The only reason I was able to apply for SW visa is the fact that I had a diploma in a field that was then on the NOC list. My diploma and language knowledge got me the points and a chance to immigrate.But after that  our diplomas, skills and knowledge was erased the moment we landed. we were complete zeros, no canadian experience no work- no work no canadian experience...no canadian degree, no work and so on.
Luckily for us my husband was an IT with some knowledge of things in his field and it took him couple of months to find a job in junior position. Before that he had to work shifts on assembly line  machine in a factory for a minimum wage.I'm still in that no work limbo, trying to get something out of my two diplomas...
There are ,however , many bridging programs that can help you if you are in a certain field of work.They mostly exist for green careers, IT and medical profession. Try finding them on government sites, colleges and settlement org's, they are always shutting down some programs and making new ones so check regularly.