By Journal Frame | June 2025
“We live in Canada, but still save money each month—here’s how.”
When the Sharma family moved from Delhi to Brampton in 2023, they had dreams of a better life. But between high rent, grocery inflation, and child care costs, Canada felt overwhelming at first.
Fast forward to 2025, and they’ve not only settled down — they’ve created a simple, sustainable life on a single income.
Here’s a real look at what they spend each month — and where they save.
Meet the Sharmas
- Ajay Sharma: IT support specialist, earning $5,200/month (after tax)
- Priya Sharma: Homemaker, runs a small YouTube cooking channel
- 2 kids: Ages 7 and 4, both in public school and daycare
They rent a 2-bedroom apartment in Brampton, Ontario.
Their Monthly Budget (CAD)
| Category | Amount (CAD) | Notes |
|---|---|---|
| Rent + Utilities | $2,000 | 2 BHK apartment, includes heating, hydro, internet |
| Groceries | $650 | Mix of Desi stores and Walmart |
| Daycare (1 child) | $250 | After Canada Child Benefit subsidy |
| Transportation | $280 | One car (EMI + insurance) + Presto pass |
| Phone/Internet | $120 | 2 mobiles + unlimited internet |
| Miscellaneous | $300 | Clothes, gifts, occasional takeout |
| Savings + Emergency | $500 | TFSA + cash savings |
Total Monthly Spend: ~$4,100 CAD
How They Save
- No luxury shopping – They buy second-hand where possible
- Indian groceries in bulk – Lentils, atta, rice from Desi stores monthly
- Minimal dining out – Priya cooks at home almost daily
- No agent fees – They handled their PR process independently
- Government help – The Canada Child Benefit adds ~$800/month, which they save
Their Honest Struggles
“The first 6 months were hard,” says Ajay.
“We underestimated the rent. Everything was new — from bus routes to banking.”
Priya missed home. The weather, the silence, the festivals. But slowly, community groups, school events, and YouTube gave her a rhythm.
What Surprised Them the Most
- Public healthcare is free — but wait times are long
- Daycare is expensive — but worth it
- Desi groceries are costly — but essential
- Saving is possible — but only with planning
Their Advice for New Immigrants
- Track every rupee (or dollar) — Use budgeting apps like Mint or Notion
- Start with rental basements before upgrading
- Don’t chase a luxurious lifestyle too fast
- Join Indian community Facebook groups — huge help for furniture, jobs, friends
- Use public libraries — they save you money and help with kids’ learning
Final Thoughts
The Sharmas don’t live a flashy life in Canada.
They live a real one — one of balance, effort, and gratitude.
Their story is a reminder that with planning and patience, a simple, happy life in Canada is possible — even on one income.