Hello, I'm from Ottawa. I took a few years between my undergrad and M.A., decided to move on to the PhD because I enjoy the subject area and want to work with my professor- looking at physical activity and life skills programs for adolescents.
I am late in the game of finance though I have a few things going for me already:
$300 personal rent (co-op with partner)
No cable (TV for movies and friends)
Small(er) debt (under 30k)
Experience paying off debt fast (16k from undergrad in about 6 months)
Physically fit (I train people in bootcamps as a part-time job, I have a certification in the Olympic Lifts and Kettlebells)
A father who hunts deer (I like meat, see below)
Things going against me:
A baby due in a month
A partner that loves to travel
Lower income generation (my PhD is an area of interest for me, not so much for science and research funders as we're awkwardly situated between physical activity and psychology/sociology)
Big appetite (lift weights a lot, eat a lot of meat and buy a few supplements)
Interest in physical activity drives me to get certifications($) and read more/buy books.
I want to try to work through the 21 day challenge, and eventually move towards a 50% savings rate so that I can spend a bit more on leagues for the kids, food for the family, some travel when absolutely necessary to stay in my relationship (ha ha).
Anybody else in the same boat? In Canada? In Ottawa?
All the best everybody.