Personal lending products are subject to Royal Bank of Canada's standard credit criteria. Consolidate debt if possible and lower monthly payments.Create a budget or review an existing one, providing advice on cost-savings.Total Expenses - Variable & DiscretionaryĪn RBC ® credit specialist can work with you to: Other Discretionary Expenses (donations, vacation, etc) Other Variable Expenses (Uninsured Medical, Pet expenses including veterinarian, Tuition/fees/books, dry cleaning, subscriptions, etc) Personal care (clothing, gifts, salon, memberships, sport & leisure activities, etc)
#Budget planner calculator license#
Transportation (car lease/loan payment, gas, transit, service & repairs, parking, license & registration, etc) Monthly Expenses - Variable & DiscretionaryĮntertainment (dining out, movies, concerts, shows, etc) Other Fixed Expenses (Payroll deductions -if not already included elsewhere - insurance, pension, RSP, charitable donations. Long Term Savings (Pension, RSP, TFSA, RESP, etc) Loans, Lines of Credit and Credit Cards (monthly payments on existing credit) Insurance (auto, home, life, disability, medical/health)Ĭhild Care (daycare, nanny, child support, etc) Home Services (home and mobile phone, cable/internet, satellite radio, home security, etc) Utilities (gas, water, electric, heat, sewer etc) mortgages, rent, condo/maintenance fees, property taxes, lawn care and supplies, snow removal, renovations, cleaning and supplies, etc) Monthly Salary (after deductions for taxes, company pensions, CPP, OAS, EI) You'll be able to determine how much debt you can comfortably afford in order to achieve your goals.
Check out Smart Traveller for handy tips on what’s required for entry into the country of your dreams.Use this tool to help give you a clear picture of your cash flow. If you can’t afford travel insurance, you can’t afford to travel.
Who gives a hoot about immunisations, visas and travel insurance? You, that’s who. Probably the easiest piece of the budget puzzle to forget because it’s the least fun aspect of your holiday. Food is probably the hardest part to budget precisely for on the account of everyone’s tastes being different, the vast difference between prices between places on the ground and the variation of cost of living between different countries.Īre you planning on bungee jumping in NZ, spree shopping in Paris, hiking the Inca trail, hot air ballooning in Cappadocia, scuba diving in Fiji, checking out Stonehenge or any other activity that isn’t free? Make a list of your must do’s, have a Google and add all these costs up too. If you’re planning on moving around during your holiday (disregard if you’re planning on spending 2 weeks parked in an overwater bungalow in Tahiti) chances are you’re going to need to splash the cash on public transport, airport transfers and the odd Uber or taxi.Īh food, one of the best parts of travelling overseas and a worthy and important part of any travel budget. Having a holiday budget also means you’ll be able to have more apple pie and not feel guilty apart from the excess holiday calories but they don’t really count anyway, right?Įverybody’s budget is different, but this will give you an idea of the things to think about when planning your holiday expenses:įlights are the big expense for most travellers, especially if you’re heading to Europe or the USA. It makes you feel all safe and warm, but it takes a few ingredients to get to the finished product.
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