Pippa, 34, pays $1,500 a month in rent and worries she may have to leave Toronto to survive. Can she stay in the city she loves?

Securing regular work is becoming more of a challenge as businesses cut back on spending, forcing Pippa to reduce how much she charges clients.

12 comments

Best
HotBeefSundae
HotBeefSundae
965 · 11 days ago · Reddit

$1500 for a one bedroom in downtown GTA is a steal.

LowHangingLight
LowHangingLight
759 · 11 days ago · Reddit

Where is Pippa going to go? I'm in a similar situation, but rent prices seem to be basically the same now everywhere in southern Ontario.

Greedy-Knowledge6043
Greedy-Knowledge6043
406 · 11 days ago · Reddit

This is a very weird article.

Pippa's monthly take-home pay is $4500, but her monthly expenses are $3308. So she's saving $1200/​mth yet feels like she's strapped for cash and financially insecure?

Her $1500/​mth apartment is an absolute steal these days. I'm also confused as to why she spends $468/​mth on transportation when living downtown. The major appeal of living downtown is have virtually no transport costs.

wabbledee_dabbledee
wabbledee_dabbledee
232 · 11 days ago · Reddit

Hi Pippa, it's your long lost relative, I have come to live in the rental unit you are going to leave.

little_munkin79
little_munkin79
193 · 11 days ago · Reddit

I'd like to know where she's paying $1500 month 😄 I live north of the city where a simple basement apartment goes for $1850.

cerealz
cerealz
144 · 11 days ago · Reddit

Lives downtown, owns a car, and still spends $140/​month on TTC and ubers.

BetterTransit
BetterTransit
111 · 11 days ago · Reddit

This lady spends over $500 a month on transportation all while living downtown.

thirteen_moons
thirteen_moons
100 · 11 days ago · Reddit

i guess this is some weird made up thing written for boomers?

crockfs
crockfs
38 · 11 days ago · Reddit

she only pays $1500 for rent, When her landlord evicts her to make more money she'll be paying $2k at least for a 1 bedroom

National_Payment_632
National_Payment_632
35 · 11 days ago · Reddit

John, 23 owns three rental properties and lives with his mother. He wants to save for retirement, but worries that he won't have enough savings to go to Harvard Medical school without taking a student loan.

These articles are highly tone-deaf bullshitery.

Le_Atheist_Fedora
Le_Atheist_Fedora
19 · 11 days ago · Reddit

Wtf is this article, 1500$/mo is way below average for rent.

Also chill with the new clothes Pippa, 250$ a month average is wild.

ILikeToThinkOutloud
ILikeToThinkOutloud
12 · 11 days ago · Reddit

Breaking down Pippa's costs, she can get her costs down.

Rent $1,500

Cellphone, internet, streaming - $160

Cellphone + Internet, streaming should be able to get to about 100-120 if you go after your telecoms and ask for deals or monitor RFD for them. Also streaming services are like ten bucks a month, and most bundle with Rogers and Bell now anyway. I haven't paid for Disney+ and won't until 2024.

Car payments $330 - Gas, parking, insurance

Public transit $80

Uber $58

This one confuses me. She's spending this much on all 3 a month? Why are you driving AND taking transit if you want to stay in the city? Ditch the car, she's got no kids. Trade that up for a TTC pass. She's already taking it enough to justify it. Might as well commit. She lives downtown anyway. A car is unnecessary, and that's going to give her back an additional at least $250 a month. The article states she might occasionally need one for gear, which is fair, but paying for a rideshare for those gigs would be seemingly more budget friendly. I know some studios have gear you can use/​rent. That might be more viable. There's not enough specific information to specify that for sure though.

Dining out $150

This is actually surprisingly low. I can hit this with three nights out.

Groceries $460

This far exceeds my bills as a single man who eats a lot. I'm not sure what she's eating, but I'd like to see a breakdown.

Clothes $250

Every month? Why? I know women's clothing can be expensive but I can't fathom needing new clothing every month. At least not this much.

Grooming $170 - First haircut in a year

Can't argue this one, women's haircuts cost a lot. Though I'd hesitate to consider this a monthly cost if its annual? Correct me if I'm wrong here.

Gifts $100

Sports and hobbies $50

Monthly total $3,308

So Pippa is below the average income regardless (it's sitting around 4K-ish monthly right as of 2020). But she could get it under 3K if she stops driving a car in the city, stops buying new clothes every month (maybe don't buy them at H&M where they're designed to be worn once? Buy nice ones and keep wearing them! Better investment long term.) And of course go after your telecoms and get those bills down. I've got 1.5 Gbps for 45 a month a currently, along with a 50 GB data plan on my phone for the same. Both of which I got in the last six months from Rogers and Fido.