One big omission from your budgeting is taxes - I'm not sure how much in the way of existing educational tax credits you have but at some point you will have to deal with this.
I don't know how commited you are to charity and I find your spirit about contributing 10% of your gross salary admirable, but you may way to consider deferring this until you have finished off paying your student loan.
I would also suggest you defer investing in TFSA and RRSP until you have paid off your student loan. At your present level of income, you are probably better off using TFSA and then any additional savings could be put into RRSPs. Whether you should claim your RRSP investments presently depends on your anticipation of improvements in salary.
Lastly, you should also consider obtaining some disability and life insurance while you are young and healthy.
I don't know how commited you are to charity and I find your spirit about contributing 10% of your gross salary admirable, but you may way to consider deferring this until you have finished off paying your student loan.
I would also suggest you defer investing in TFSA and RRSP until you have paid off your student loan. At your present level of income, you are probably better off using TFSA and then any additional savings could be put into RRSPs. Whether you should claim your RRSP investments presently depends on your anticipation of improvements in salary.
Lastly, you should also consider obtaining some disability and life insurance while you are young and healthy.