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Re: My Monthly Savings In Canada by Changeofscene(m): 4:13pm On Nov 22, 2019
atutupoyoyo2211:
I dont get offended when people post negative stuff online because when whenever we post something online we should expect both negative and positive comments. I get encouraged by the negative comments.
@opebiboy you sound like a hardworking Nigerian that is just trying to be successful like each and everyone of us. You mentioned you import cars from overseas which is an honorable business. let me tell you what i see at the site i work security. This is a 5 year construction project going on here. Every day i sign in trucks to drop off sand and gravel on the site. Now 90% of the drivers of these trucks are Indian, and what they do is that, they bring their brothers from Indian to learn truck driving under them and within 2 years, the apprentice has his own truck and then delivers on his own. Most of them then register their own company and you see the name on the truck. i am at work right now and i truck driver just came. I was registering him in the system when i asked him what company he works for, and he said the name. And i released this man, who is a born and bred Canadian is driving trucks fro and Indian immigrant. The owner of the company was still delivering today, and i talked with him,. he told me he has 3 trucks that drive for him. My bank rep once told me that, everyday she sees truck drivers and restaurant owners, who come in and they have account balances of $300k and above. Anyone in Canada can correct me if i am wrong.
The longshoremen that work on our site make $50 an hour and above. And they are unionized, so their pay always goes up. One of the longshoremen on our site drives a bentley bentayga. My own Security supervisor drives a 2013 g wagon. He is from Iran. He came to Canada and worked Security and warehouse for 6 years straight, working 16 to 18 hours a day. Right now he only works 8 hours a day and his daughter also works on site as the assistant security supervisor. she is also a workaholic getting experience to be a police office. she drives a BMW X6. When my supervisor saw i was ready to work, he always gave me shifts.
The purpose of this is to tell @opebiboy, it is not all about scam, people work hard, people toil day and night to succeed.
You keep posting links thats says "the average Canadian this, the average Canadian that', I am not an average Canadian. I am and will be a successful Canadian through hard work. The internet says Nigerians are poor but all Nigerians are not poor. Try not to be classified as part of the average.

Spot on bro,you just keep the fire burning and ignore every negative vibe. I admire your tenacity and I pray that all I'm learning from this your story/experience will be with me when i land in Maple leaf land.
Re: My Monthly Savings In Canada by Changeofscene(m): 4:40pm On Nov 22, 2019
yemiosinbajo:


Very sweet of you to respond in this manner. You clarified everything well. The reason I asked about your mom's pay is that I know nothing about teachers' salary in Nigeria, but with the complaints I hear from them, I assumed that their pay would be nowhere near 120K, because I never expected someone earning that to complain as much as many of them do. But your explanation that she's been in teaching for 20 years clarifies everything. The other areas are also well understood, so thanks for responding!

If you are earning 120k as take home in naija,you are suffering except you are not living in any of the major cities in the South.Talking from the perspective of a family man though.

6 Likes

Re: My Monthly Savings In Canada by babakb: 5:17pm On Nov 22, 2019
drhammed:


Sorry to ask bro,

Are you still using Nigerian passport? I mean you applied for US visa with Nigerian passport and got 10yrs Visa. Or is it another visa type and not B1/B2?. My opinion is that, US only grants 2yrs visa (B1/B2 category) for Nigerians (atleast that's what I and friends that I know have) even though I applied and got it in Canada.

PS: I'm not here to say you're lying or sort of. I just want to learn from that and perhaps I can pick something from it.

The 10 years visa is a multiple entry visit visa
Re: My Monthly Savings In Canada by einsteino(m): 5:31pm On Nov 22, 2019
atutupoyoyo2211:
I dont get offended when people post negative stuff online because when whenever we post something online we should expect both negative and positive comments. I get encouraged by the negative comments.
@opebiboy you sound like a hardworking Nigerian that is just trying to be successful like each and everyone of us. You mentioned you import cars from overseas which is an honorable business. let me tell you what i see at the site i work security. This is a 5 year construction project going on here. Every day i sign in trucks to drop off sand and gravel on the site. Now 90% of the drivers of these trucks are Indian, and what they do is that, they bring their brothers from Indian to learn truck driving under them and within 2 years, the apprentice has his own truck and then delivers on his own. Most of them then register their own company and you see the name on the truck. i am at work right now and i truck driver just came. I was registering him in the system when i asked him what company he works for, and he said the name. And i released this man, who is a born and bred Canadian is driving trucks fro and Indian immigrant. The owner of the company was still delivering today, and i talked with him,. he told me he has 3 trucks that drive for him. My bank rep once told me that, everyday she sees truck drivers and restaurant owners, who come in and they have account balances of $300k and above. Anyone in Canada can correct me if i am wrong.
The longshoremen that work on our site make $50 an hour and above. And they are unionized, so their pay always goes up. One of the longshoremen on our site drives a bentley bentayga. My own Security supervisor drives a 2013 g wagon. He is from Iran. He came to Canada and worked Security and warehouse for 6 years straight, working 16 to 18 hours a day. Right now he only works 8 hours a day and his daughter also works on site as the assistant security supervisor. she is also a workaholic getting experience to be a police office. she drives a BMW X6. When my supervisor saw i was ready to work, he always gave me shifts.
The purpose of this is to tell @opebiboy, it is not all about scam, people work hard, people toil day and night to succeed.
You keep posting links thats says "the average Canadian this, the average Canadian that', I am not an average Canadian. I am and will be a successful Canadian through hard work. The internet says Nigerians are poor but all Nigerians are not poor. Try not to be classified as part of the average.

First I must commend your polite response. Secondly, most of what you said tallies with my experience so far. However, we should be careful not to use what car one drives as a metric of success. In canada, most cars are financed(bought via loans or credit). Most of my friends drive 2017 cars and make only a couple dollars above minimum wage. I have also worked at warehouses where my colleagues drove sports cars and we all earned the same wage and put in the same hours. This is just to clarify that cars here is hardly an indication of how well someone is doing financially, it is a matter of one's taste. The banks and dealers are willing to finance or lease a brand new 2020 car to you if you have a good credit score. For slightly older cars, you can even get them with a bad credit, only that the interest rate and downpayment would be higher.

There is a reason why most Canadians find themselves at collections or bankrupt once they miss a couple paycheques.

Aside this, Indians indeed dominate the haulage industry. Not many people want to do that job. Many immigrants work crazy hours here at blue collar jobs(at least for a start), the scammers are in the minority. Though if one has a family, they could still be struggling paycheque to paycheque despite the supposedly fat income as bills arent funny here. It is a better life overall, but nigerians back home shouldn't just assume minimum wage of $14 is a whole lot of money as though their bills and expenses would remain in naira here.

12 Likes 1 Share

Re: My Monthly Savings In Canada by einsteino(m): 5:46pm On Nov 22, 2019
I was about to ask what motivation got you working 60hours a week consistently for a year. Work here is hard on one, except is a laid back job like security. Then I saw the quote you replied to. Yeah hypothetically speaking, if you work 60hours a week consistenly for a year, you should have decent savings but occasionally stupid variables like getting sent home early, shifts getting cancelled or just being tired, could reduce it. Eitherways, who wan save go save something. So long as they live modestly and don't have other financially draining goals like education or pursuing professional licensure.

naijaman3:


Why are you saying what you do not know without any concrete facts to back it up.



This is pure ignorance way of talking!



You definitely have reading comprehension problem because the article is talking about ability of Canadian to increase their monthly savings by $360 (save more by $360) and not their ability to save $360.

In addition to this when it comes to saving money, do not compare Nigerians who are now Canadian or still permanent resident with Canadians who were born in Canada because our saving goals are different. An average Canadian does not want to save. They will rather work less, go on vacation and spend a lot. While on the other hand Nigerians will work a lot, spend less and save a lot.


I believe the op (@atutupoyoyo2211). His goal is very doable with discipline and I know a lot of people that I have done it for a while and people still doing just to raise capital to start their own thing.

Rather than arguing about this without facts and figures, I will present facts and figures for intelligent people to use when making comments. Let us look at the situation of a person who is either a Canadian citizen or permanent resident (just like @atutupoyoyo2211) or hold unrestricted work permit (i.e. not an illegal person). For someone that spends less, their expenses could look like this

Expenses:

• Rent including utilities (one bedroom or self-contained apartment) = $700 per month
• Monthly bus pass (no car, no insurance required, go fueling required) = $103 per month for Calgary (will be $109 starting January 2019)
• Food (this person cooks. No eating outside or restaurant) = $300 per month
• Phone Plan = $50 per month
• Other miscellaneous expenses: $100 per month
• Vacation (chooses not to take any because focus is on saving): $0

Total monthly expenses = $1253
Total Annual expenses = $1253 X 12 = $15306

If this person lives in Alberta where minimum wage is $15 per hour for the first 44 hours worked in a week and 1.5 multiplied by $15 (or $22.5 per hour) for any hour worked over 44 hours in a week for the same employer, his annual before tax income, after tax income and annual savings for two different scenarios will be as follows:

Scenario 1: Working 10hrs a day and 6 days a week for 60 hours a week (say in two different jobs and not more than 44hrs in each job so that no overtime pay)

Annual income before taxes and other deduction: 60hrs/wk X 52wks X $15/hr = $46,800
Annual taxes and other deductions (Employment Insurance & Canada Pension Plan): $10,059
Annual after taxes and other deduction: $ 36,741
Annual expenses (as calculated above): $15306
Annual Savings: $36,741 - $15,306 = $21,435


Scenario 2: Working 10hrs a day and 6 days a week for 60 hours a week (for the same employer. He will be paid $22.5/hour after 44 hours a week)

Annual regular pay before tax and other deduction: 44hrs/wk X 52wks X $15/hr = $34,320
Annual overtime pay before tax and other deduction: 16hrs/week X 52wks X $22.5/hr = $18,304
Annual total pay before taxes and other deduction = $34,320+$18,304 = $52,624
Annual taxes and other deductions (Employment Insurance & Canada Pension Plan): $ 12,113
Annual after taxes and other deductions : $ 40,511
Annual expenses (as calculated above): $15,306
Annual Savings: $40,511 - $15,306 = $25,205

Now, this calculation is based on the minimum wage anybody in Alberta could be paid. Now, consider if this person is now able to get a job that pays way more than minimum wage say $20, $25, $35 etc per hour and continues to maintain the same annual expenses ($15306) as above because they want to save. Can you imagine what the saving could be in a year? I will leave you to figure that out by yourself.

Can you also now imagine after you are able to get a job in your profession (Engineering, IT guys, Doctors, Accountants, Nurses etc) where you can make anywhere from $35/hour to $150/hrs. At this point, you do not even need to work more than 40 hours a week to make such savings and also increase your monthly expenses to include taking annual vacation, buying a house and a good car.

@opebiboy: What I need from you is to challenge my number and facts as listed. Don’t come and tell me what an average Canadian is saving because their focus is to spend and not to save. The ops focus is to work a lot, spend less and save more.

@atutupoyoyo2211: Do not be distracted. Keep doing your thing because it is doable. I am personally a testimony to that. Number and facts that I presented above are also testimony to that.

Link to the taxes and other deduction calculator I used: https://simpletax.ca/calculator




Re: My Monthly Savings In Canada by themaestro08(m): 7:16pm On Nov 22, 2019
naijaman3:


Why are you saying what you do not know without any concrete facts to back it up.



This is pure ignorance way of talking!



You definitely have reading comprehension problem because the article is talking about ability of Canadian to increase their monthly savings by $360 (save more by $360) and not their ability to save $360.

In addition to this when it comes to saving money, do not compare Nigerians who are now Canadian or still permanent resident with Canadians who were born in Canada because our saving goals are different. An average Canadian does not want to save. They will rather work less, go on vacation and spend a lot. While on the other hand Nigerians will work a lot, spend less and save a lot.


I believe the op (@atutupoyoyo2211). His goal is very doable with discipline and I know a lot of people that I have done it for a while and people still doing just to raise capital to start their own thing.

Rather than arguing about this without facts and figures, I will present facts and figures for intelligent people to use when making comments. Let us look at the situation of a person who is either a Canadian citizen or permanent resident (just like @atutupoyoyo2211) or hold unrestricted work permit (i.e. not an illegal person). For someone that spends less, their expenses could look like this

Expenses:

• Rent including utilities (one bedroom or self-contained apartment) = $700 per month
• Monthly bus pass (no car, no insurance required, go fueling required) = $103 per month for Calgary (will be $109 starting January 2019)
• Food (this person cooks. No eating outside or restaurant) = $300 per month
• Phone Plan = $50 per month
• Other miscellaneous expenses: $100 per month
• Vacation (chooses not to take any because focus is on saving): $0

Total monthly expenses = $1253
Total Annual expenses = $1253 X 12 = $15306

If this person lives in Alberta where minimum wage is $15 per hour for the first 44 hours worked in a week and 1.5 multiplied by $15 (or $22.5 per hour) for any hour worked over 44 hours in a week for the same employer, his annual before tax income, after tax income and annual savings for two different scenarios will be as follows:

Scenario 1: Working 10hrs a day and 6 days a week for 60 hours a week (say in two different jobs and not more than 44hrs in each job so that no overtime pay)

Annual income before taxes and other deduction: 60hrs/wk X 52wks X $15/hr = $46,800
Annual taxes and other deductions (Employment Insurance & Canada Pension Plan): $10,059
Annual after taxes and other deduction: $ 36,741
Annual expenses (as calculated above): $15306
Annual Savings: $36,741 - $15,306 = $21,435


Scenario 2: Working 10hrs a day and 6 days a week for 60 hours a week (for the same employer. He will be paid $22.5/hour after 44 hours a week)

Annual regular pay before tax and other deduction: 44hrs/wk X 52wks X $15/hr = $34,320
Annual overtime pay before tax and other deduction: 16hrs/week X 52wks X $22.5/hr = $18,304
Annual total pay before taxes and other deduction = $34,320+$18,304 = $52,624
Annual taxes and other deductions (Employment Insurance & Canada Pension Plan): $ 12,113
Annual after taxes and other deductions : $ 40,511
Annual expenses (as calculated above): $15,306
Annual Savings: $40,511 - $15,306 = $25,205

Now, this calculation is based on the minimum wage anybody in Alberta could be paid. Now, consider if this person is now able to get a job that pays way more than minimum wage say $20, $25, $35 etc per hour and continues to maintain the same annual expenses ($15306) as above because they want to save. Can you imagine what the saving could be in a year? I will leave you to figure that out by yourself.

Can you also now imagine after you are able to get a job in your profession (Engineering, IT guys, Doctors, Accountants, Nurses etc) where you can make anywhere from $35/hour to $150/hrs. At this point, you do not even need to work more than 40 hours a week to make such savings and also increase your monthly expenses to include taking annual vacation, buying a house and a good car.

@opebiboy: What I need from you is to challenge my number and facts as listed. Don’t come and tell me what an average Canadian is saving because their focus is to spend and not to save. The ops focus is to work a lot, spend less and save more.

@atutupoyoyo2211: Do not be distracted. Keep doing your thing because it is doable. I am personally a testimony to that. Number and facts that I presented above are also testimony to that.

Link to the taxes and other deduction calculator I used: https://simpletax.ca/calculator




I love your realistic analysis. Thumbs up.
Re: My Monthly Savings In Canada by Mikedean: 12:09pm On Nov 23, 2019
atutupoyoyo2211:
You made a lot of valid points and i support you. But just a clarification. I never said everybody will make six figures, i have friends who do, but they work coporate jobs. But what i said i made, i made. The kind of shifts i put in is not meant for everyone. The fact is that very few people can put in such shifts cos you will have no life, BUT IT IS POSSIBLE and its just for a short time. I had a short stint in Lululemon working as a network engineer in Vancouver, and no one in the team made less than 90k, and my team was 90% indian too. Canada has very good paying jobs, but dont wait for those jobs, get something doing while waiting for those jobs.
Bro i sent you a dm, would like to talk with you in private
Re: My Monthly Savings In Canada by Nobody: 3:50am On Nov 25, 2019
atutupoyoyo2211:
Yeah I may have made 100k, but I worked over 5000 hours in a year, That is so much. I wanna make 100k without working that much, that's why I am going to school. My sister started off in the warehouse, then moved to health care jobs. She just finished her nursing degree. And she wants to do her nursing masters. The point is, DO WHAT YOU HAVE TO DO TO GET TO THE POINT WHERE YOU CAN DO WHAT YOU WANT TO DO. According to our naija brethren, HUSSLE OOOO

5000 hours in a year is too much by any standard, except you sleep at your place of work and sit all day.
Depending on your filing status, you are also paying about 1/3 of that amount as taxes if in the US.
I have seen some in similar situations and the negative effects can be long lasting.
Work smart.

5 Likes 3 Shares

Re: My Monthly Savings In Canada by jayrpeter: 6:34am On Dec 01, 2019
atutupoyoyo2211:
Hi Guys, I moved to Canada 2 years ago and i have not been able to save any money yet. I made up my mind that i must save $120,000 (one hundred and twenty thousand dollars) by November 10,2020. I decided to document my progress on this forum, so that anyone that wants to compel themselves to save money for the future can also be encouraged to do so. We all have different savings targets. I didn't put my full information on the forum due to security reasons since i am going to be posting my bank balances from time to time to document my progress. Now, a little background on myself. I am a graduate from Nigerian. I came to Canada in 2016, worked in a warehouse for a while. I presently work as a security guard while doing my Masters degree. Its a 2 year masters degree. My hourly earning is $16 an hour, but i work a heavy overtime schedule, since nobody wanted to work overtime, as a naija sharp guy, i offered to work the overtime shifts.
I started the Savings last week and i am going to post my first bank balance online. Lets see if i can meet my target. If anyone has tips that can help me achieve my goals, your suggestions are highly welcome. If anyone wants to save, you can also post on here , lets document our progress together. But please keep personal info off here for security reasons. So, lets do this.

How much do make from your overtime
With that it can give us a certain amount you earn and how we can suggest an amount for your to save
Re: My Monthly Savings In Canada by CptCharlesVane: 10:00am On Dec 05, 2019
@atutupoyoyo2211 you don abort mission? 2 seconds! cheesy E no easy for Ezekiel.
Re: My Monthly Savings In Canada by jiniux(m): 7:31pm On Dec 05, 2019
Working 5000 hours in a year got me thinking really. There are 52 weeks in a year, it means he works an average of 13hours daily, Monday to Sunday, his post is inspiring and motivating but............

simonjo:


5000 hours in a year is too much by any standard, except you sleep at your place of work and sit all day.
Depending on your filing status, you are also paying about 1/3 of that amount as taxes if in the US.
I have seen some in similar situations and the negative effects can be long lasting.
Work smart.

1 Like

Re: My Monthly Savings In Canada by bily(m): 8:17pm On Dec 05, 2019
jiniux:
Working 5000 hours in a year got me thinking really. There are 52 weeks in a year, it means he works an average of 13hours daily, Monday to Sunday, his post is inspiring and motivating but............


But what

Didn't you see the part it he mentioned it was a security job and he even had time to be watching African magic and studying for masters while at work?

It's all about context.
You can't do that for all types of jobs.

5 Likes

Re: My Monthly Savings In Canada by kraits03: 9:55am On Dec 06, 2019
jiniux:
Working 5000 hours in a year got me thinking really. There are 52 weeks in a year, it means he works an average of 13hours daily, Monday to Sunday, his post is inspiring and motivating but............


Guy man, we do over 13hours work here in Nigeria without overtime. Imagine the motivation to do that over there if there is extra pay for the extra work?

12 Likes 1 Share

Re: My Monthly Savings In Canada by VladimirEmy(m): 12:41pm On Dec 13, 2019
Can you pls throw more light on truck driving jobs in Canada for immigrants and job positions?

atutupoyoyo2211:
Hey guys,
I haven't been on this thread for a long while, because sometimes when you makes plans, Life happens. Well Long story short, My company insisted i go back to just regular 8 hours a day because they could not pay for my overtime. Mind you, this is a multi billion dollar project.
I discovered that the company managers had a meeting about me at the beginning of this year and decided to make sure i dont work overtime because i made more than a bunch of them. I made exactly $100,039 last year, working as a security guard. Impressive i think. I took what they said in good faith and have been working regular shift since. i would have gotten a second job, but i am on course to be one of the best or probably the best student in my masters program, so i decided to focus on my studies and graduate with honors.
I have realized that people that smile with you everyday, are not actually happy about your success, even when your success does not amount to their failure. They just dont like the fact that a security guard, or probably a black African security guard earns more than managers. Don't get me wrong, i dont think Canada is as racist as some other countries, but i think there is a little bit of it. Now point of note, earning so much is good, but it also disqualifies you from some benefits in Canada. For example, the grants i got for my student loan this year are next too nothing cos i earned above $80k on my tax statements. Another point of note, i paid just about $30k in taxes last year.
Re: My Monthly Savings In Canada by salford1: 4:18pm On Dec 13, 2019
VladimirEmy:
Can you pls throw more light on truck driving jobs in Canada for immigrants and job positions?

Truck driving jobs are not hard to find. You would however need a class 1 license which can cost upwards of $5000 (extensive training and licensing) to obtain one. It's an hard job though. Sitting down for hours and long-distance travels.
Re: My Monthly Savings In Canada by VladimirEmy(m): 3:21pm On Dec 16, 2019
Thanks for the response. I mean dump truck driving. And what if one already has plus 1yr driving experience. And wants to emigrate through the driving route.@atutupoyoyo2211.


salford1:

Truck driving jobs are not hard to find. You would however need a class 1 license which can cost upwards of $5000 (extensive training and licensing) to obtain one. It's an hard job though. Sitting down for hours and long-distance travels.
Re: My Monthly Savings In Canada by MoonWater: 6:52pm On Dec 16, 2019
atutupoyoyo2211:
This is my first savings for last week. I get paid on thursday, so i'm gonna put a little more in the account and post here. My target is $1000 everyweek.
hey bro.
Re: My Monthly Savings In Canada by megastu(m): 11:06pm On Feb 03
Hahaha.

I repeat that is what one makes in one transaction in Nigeria. If you know you know. Ask people that provide professional services what their invoices look like (Auditors, Accountants, Lawyers etc). I am talking of straight, legal means of income.

Lol about moving abroad. For your information, i actually moved back to Nigeria, not the other way round.
7Alexandre:



What kind of Business in Nigeria will give you (N2.8m) in one transaction?

Just take small small dey lie...

If you think that you’re gonna move abroad & start engaging in Scams,Fraud & Corruption to meet up expectations back home then be ready to spend some time behind bars.

1 Like

Re: My Monthly Savings In Canada by Luckybelt: 2:45am On Feb 05
Nice thread
Re: My Monthly Savings In Canada by mtinfx: 3:28am On Feb 05
7Alexandre:



What kind of Business in Nigeria will give you (N2.8m) in one transaction?

Just take small small dey lie...

If you think that you’re gonna move abroad & start engaging in Scams,Fraud & Corruption to meet up expectations back home then be ready to spend some time behind bars.

last i checked 2.8 M wont rent many houses in Lekki, VI ikoyi etc

its just some peoples rent or birthday money undecided
Re: My Monthly Savings In Canada by Luckybelt: 9:06am On Feb 05
@OP, What are the steps to starting a biz in canada? if you have money to start biz how easy is it?
Re: My Monthly Savings In Canada by Rupect: 1:41pm On Feb 05
The motivation here got me fired up.
Re: My Monthly Savings In Canada by onibokun10(m): 1:54am On Feb 07
I intended starting up a plastic recycling company here in naija. But reading from cannie guys is making me want to try this abroad stuff... local man is confused �
Re: My Monthly Savings In Canada by overseasnbeyond: 8:40pm On Feb 07


5000 hours in a year is too much by any standard, except you sleep at your place of work and sit all day.
Depending on your filing status, you are also paying about 1/3 of that amount as taxes if in the US.
I have seen some in similar situations and the negative effects can be long lasting.
Work smart.


You dont need to sleep at place of work to get that shit bruh!!
My hours last year was 5010hrs
My W2 is $89,100 and my job still pay $20,000 to my retirement account.
Unless you lazy from naija.
Ypu will not fit in america

Oya yoi want see my pay check?
Re: My Monthly Savings In Canada by brownemmanuel43(m): 2:55pm On Feb 17
atutupoyoyo2211:
The way you guys just conclude with such authority, as though you are right here with me, wow.
baba i sen u pm

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