As interest rates continue to rise, it’s not surprising that many parents are feeling the financial pinch of parenting. According to a survey by PolicyMe Corp., a Toronto-based digital life insurance firm, 70 per cent of parents say Canada is becoming unaffordable, with 47 per cent noting that food is the most expensive and/or challenging child-related spending expense to manage, followed by clothing, shoes and other accessories at 43 per cent.
During the group consultation when the doctor outlined the procedure’s costs, he recalls that some people broke down in tears because they knew they couldn’t afford it. In some provinces, however, some may be eligible for one cycle of government-funded IVF.Article content “Everything you read online is subjective, but when you talk to a parent who has dealt with it recently, that’s where you get the real-life information,” he said.
Don’t forget to create some cushioning for some fun stuff either, he adds, so that stay-at-home parents don’t feel guilty spending on occasion even if they’re not “working.” “That’s where I’m buying a lot of my kids’ sporting equipment now, which can save so much,” she said. For parents who can afford it, she’s also a big fan of the registered education savings plan as a tax-efficient way to save for a child’s education. The federal government will add 20 per cent on top of your annual contribution of up to $2,500, though the lifetime contribution limit is $50,000 per beneficiary.Article content
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