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Discussion Starter · #1 ·
With $6000 budget, I am trying to buy a permanent home in Ontario, I don't care where. I checked Realtor.ca & Kijiji, but they haven't been helpful. I am on welfare, so it doesn't matter where I live. I am just trying to buy the cheapest home I can. Where can I see homes on sale at the far north in Ontario? Do they have their own listing? How can I see such? Also, does cell phone work up there?
 

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Wilberbear,
Even if you could buy your own place for $6000, you need to consider that there will be new monthly expenses that you are not paying now. Right now expenses like property tax, heating and electricity are probably covered in your monthly rent. But if you bought a place you would now have to pay for these along with TV, internet, upkeep, etc.

So as others have suggested, renting is likely to be your best choice, and frankly is probably your only choice right now.

Your other post asking about lending places like Moneymart indicates that you probably do not have good spending and budgeting habits. Those lending places take advantage of people who need money quickly and who not have good credit or a bank account. You should NOT be thinking about borrowing money from lenders like these. They charge you outrageous fees for borrowing and leave you worse off.

I strongly suggest you talk to a case worker, start by going into the office where you arrange your welfare and tell them you want to discuss your financial situation and some goals you have. You need to understand how much income you have and how much you spend each month and what you spend it on. Having your own place might be possible some day but you need to start with some basics first and move gradually to your larger goals.

Good luck
 

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$30/mo for internet is crazy in your situation btw. Check www.earlyretirementextreme.com for frugality tips, that will help a lot.

Some people live in vans/trucks, and really enjoy it. I'm not joking. I'd strongly consider it if I didn't have a family. It could be an option? If you pay for a gym membership or something, you can use that for showers/washroom etc. Lots of freedom.
 

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I don't know why I'm commenting here but here it goes.

YOU ARE BENEFITING FROM MY TAX DOLLARS AND YOU TREAT YOURSELF TO THE INTERNET, A CELL PHONE AND MANAGED TO SAVE $6000?????

I am sorry for being blunt and I don't care if it insults you because you sure have insulted me!

Whatever the reason you are on welfare - I will not judge because I would like to believe you truly need it - my opinion is you should use welfare money to better your life and get out of whatever jam you are in. If you think your $30/mth for internet + whatever you pay for your cell phone is nothing, well then I think you owe me a refund!!
Here I am being frugal about my internet and phone bills, yet my tax dollars are FUNDING YOUR LUXURY!!

I apologize to all I have offended - but I am really livid about all this!
 

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I don't know why I'm commenting here but here it goes.

YOU ARE BENEFITING FROM MY TAX DOLLARS AND YOU TREAT YOURSELF TO THE INTERNET, A CELL PHONE AND MANAGED TO SAVE $6000?????

I am sorry for being blunt and I don't care if it insults you because you sure have insulted me!

Whatever the reason you are on welfare - I will not judge because I would like to believe you truly need it - my opinion is you should use welfare money to better your life and get out of whatever jam you are in. If you think your $30/mth for internet + whatever you pay for your cell phone is nothing, well then I think you owe me a refund!!
Here I am being frugal about my internet and phone bills, yet my tax dollars are FUNDING YOUR LUXURY!!

I apologize to all I have offended - but I am really livid about all this!
Go easy. Some people just aren't aware there are ways to reduce or avoid these costs. It's better to try to help with that than just blast them, IMO.
 

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Go easy. Some people just aren't aware there are ways to reduce or avoid these costs. It's better to try to help with that than just blast them, IMO.
In that case, ask us exactly that and/or how you can get off of welfare. I will respect that more than you stating your costs are 'nothing much'. You're basically telling us that while you are living off the government (the working class citizens) you are benefiting from the same luxury items (internet, phone) as everyone else, managed to save some money and ready to afford a home of your own. I assume you have a car, several pets and enjoy a vacation down south from time to time? Remind me why I am working again??

To answer the question you haven't asked, start off by cancelling your internet subscription and any other subscriptions you have. If you are not mentally or physically challenged, get your act together and start working for a living. You'll maybe then appreciate what the working class has done for you.

EDIT: Sorry FI40, I though you were the OP. My comment applies to OP regardless.
 

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Discussion Starter · #18 ·
I don't plan to get off welfare. Don't have a car or a pet. Just going to get a cheap home, move in, watch TV & surf online for the rest of my life. As for food, I eat mostly canned foods or such. The way I spend money, welfare is sufficient for me & I can spare money for internet. Also, if I eat a little less in quality, I am able to pay off cash advance in a year or 2. (Since it's only $6000.)
 

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Discussion Starter · #19 ·
Which specific sentence in your previous post says something about me having to deal with your refund claim as opposed to the government handling such? If you have an issue with the law, demand to the government, not me. What I said stands & preempts your demand.
 

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Discussion Starter · #20 ·
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