How much does it cost to move out in Toronto?

How much does it cost to move out in Toronto?

Ah… the question of every person who is at an transitional stage of their adult life. Finally flying out of the family nest.

This post is only going to look into the costs of moving out from a financial standpoint. Later I will write the intangible reasons whether or not to move.

1. Essentials

Things you absolutely can’t live without and should be fixed:

  • Rent
  • Utilities
  • Food
  • Transportation

2. Savings

We tend to forget that once we move out, it does not mean all of your funds should go into expenses. Saving for a rainy day is a must.

3. Discretionary Spending

This is another bucket of fixed expenses that would include:

  • Internet
  • Phone Bill
  • Other subscription

4. Miscellaneous household items

Let’s be real here. You’re not going to move out just to hole yourself in your room.

  • Eating out
  • Clothing
  • Entertainment
  • Hobbies
  • Gifts
  • Household miscellaneous items

We are talking about the random stuff you seem to always have at home but only notice them when you live in your own. Examples such as lightbulbs, cleaning supplies, toilet paper, etc.

This bucket is really anything that will vary from month to month – within reason of course.


*The gym costs is due to a very long story that got me trapped in two gyms one-year commitment contracts.

After taking all of these buckets into account, this is how it all measures up to. 

Living at home costs: $1,872.04/month

Living out costs: $2,536.29/month

Clearly you would almost be saving $700/month by living at home  with my numbers. If your folks are letting you stay rent-free, the difference is even higher. However, as I will be going to work on my other post that will explain more of the tradeoff and intrinsic gain, you will need to decide on what that incremental savings is worth.

Falling off the Minimalism bandwagon

I’ve heard about Minimalism about two years ago just when I had graduated university and worked a bit. Because I started to make a bit of money and the freedom to buy the things I’ve always wanted, I went a bit out of control. It all started with me searching for ‘How to stop shopping’ to ‘Do I having a shopping addiction?”. I just knew at one point, I was accumulating too much stuff, spending too much, and not putting enough money towards to my student debt.

That’s when I stumbled across Minimalism. The notion of having enough was not foreign to me, having grown up in an immigrant household, but it was suddenly having the ability to call my own shots. This newfound financial freedom spun me out of control. If I didn’t keep every receipt and manually input it into my monthly budget sheet, I probably wouldn’t have been able to see exactly how much I was spending that could have gone towards my loan. Eventually I cut back on my unnecessary expenses such as food and clothes.

After paying my loan off, I wanted to continue the same lifestyle. Watching and listening to all these people on Youtube leading a zero waste, minimalist lifestyle, as well as the Netflix movie ‘Minimalism’ made me want to be part of that community. I was going after that feeling of being immune to advertising, the need to be happy with who I was and what I have. There was so much buzz surrounding it that it was hard to not be caught up in the decluttering frenzy.

But the clutter came back. Then I would declutter again. And on it goes. The cycle of feeling enough, and then not enough kept going. Work has been stressful and sometimes you need that quick fix of instant satisfaction with a register at the counter. You can listen to all these talks about minimalism, or cyclically declutter your stuff, but if you don’t actually believe in it, then you’re bound to continue in that vicious cycle.

There’s always more to acquire and want. The real power is recognizing that you don’t need it and being able to say ‘No’. This girl ain’t hoping off the bandwagon anytime soon.

Week 4 – 4.29.18 – 5.5.18


*The schedule I post on a weekly basis is what I originally planned to do last week.

Two things this week: Missed a few sessions, and too ambitious.

I missed a few sessions here and there because of pole dancing timing. As discussed in my previous post, I could not plan my classes in advance. You can only book classes four days in advance and even then, some classes are not always available. Also, the classes are constantly late evenings, but not late enough for me to have a workout beforehand. Just an odd in-between, even location-wise. I decided to just not use the remaining credits or use it on rest days. I know it sounds privileged but if I’m going and not enjoying it, is it really worth spending time on it? It could be used towards training and building a routine. That to me is the biggest waste. Time is finite.

Second, I started out too ambitious with too much planned volume. Have to taper into high volume training or else you will experience fatigue and loss of motivation. Feel like a failure when I didn’t finish a workout and skipped a day. Will go for another round of Week 4’s schedule with slight adjustments.


Even when I increased the training volume slightly, I get pangs of hunger frequently. This week, I really loaded in on the snacks and volume in my lunch. It did not feel comfortable at all, especially when sitting in the office. The bloat was real.


It got me curious as to how much I was actually eating in a day and how much it was attributed to snacks. My worst day was shy of 3,000 calories. THREE. THOUSAND. Half came from grazing on snack. I appreciate the insight that MyFitnessPal gave me, going to try using it on a day-to-day basis.

ME DAY – A date with me, myself, and I.

I had the biggest ME DAY without planning it this past Saturday.

  • Had pole dancing class
  • Went shopping
  • Ate lunch at a sit-down restaurant
  • Worked away on personal projects at a Starbucks

It felt great. Heck, it felt AMAZING. To be on my own agenda, without anyone telling me what to do and when to do it. Being able to spend my time and money wherever I dictated. Quite a liberating feeling, especially when you come from an environment that needs series of approvals, whether it is in the office or choosing a place to eat with friends. But, when you are by yourself, all you have to say is ‘Yup, doing it.” and it’s done!

The newest experience is probably eating by myself. At the beginning, you feel like you should be using this as a social time, or you would think that the waiter is judging you a bit. Then I thought: “Why can’t we eat out alone?” I mean, why limit it to just ordering take out and eating at home while binging on Netflix? I want to enjoy the restaurant ambiance too!

Never thought I would ever say: “Table for one, please.” But hey, now I would not even hesitate doing that again.

Week 3 – 4.22.18 – 4.28.18


I realized because of my line of work, having the exact same schedule week over week proves to be next to impossible. Here is my new approach. Rather than focusing on the date on which I need to do the exercise, I should focus on how many times I should focus on X discipline. So, each week, I will plan ahead of time of when I will swim/cycle/run, with other events in mind.

Swim x 3
Cycling – 60 mins x 3
Walk & Run x 2
Resistance training – Upper body x 2
Resistance training – Lower body x 2

Side note: I can’t wait for the my pole dancing credits to run out, I don’t like the fact I have to book ahead of time individual classes instead of just have them booked in for me for a set number of weeks. So, classes are never consistent. This has contributed to my constantly changing routine.

This week was honestly a hodge-podge of activities and I desperately tried to fit in what I could in the meantime. Another training time that I should try to maximize is lunch hour. It’s hard to pull yourself away from the desk, because there is a fear that something will explode while you’re away or you appear unproductive.


I have a problem with sugar and snacking a lot. Whenever I put a restriction on myself, I find that it makes me even more prone to go against it.

Been trying to find healthier alternatives and go for water instead of snacking. Often times, it is because I just want to munch on something or stressed.

March 2018: What did I buy.

*Side note: I decided to not call this a ‘No buy’ as I am I still purchasing things. Maybe Low Buy? Yeah, that doesn’t have the same ring to it. Will update with a new title when I have a better name for it.

March has been one of the most stressful seasons I have ever encountered. I am thinking on putting a number of things I can buy in a month (excluding transportation passes) but still continue with a no clothing buy.

I’m going to try my best to decrease the number of purchases in April as I am aiming to build a good savings buffer before moving out in the summer.

What did I buy:

  • Brunch with family
  • Coach Chelsea boots
  • Lunch x 5
  • Uniqlo blouse x 2
  • Salsa dance lessons

What did I not buy:

  • Vince Camuto blouse ($40)

Week 1 – April 8th – 14th

Sunday Monday Tuesday Wednesday Thursday Friday Saturday
AM Cross traing – Erg + Core (1hour) Weights –Upper Muscular Endurance Rest Rest
PM Weights – Upper Muscular Endurance Cycling – 60 mins Weights + Plyo (Lower Muscular Endurance) Swimming Swimming


  • Rehabilitation and build foundation
  • Honestly I have no idea what I am doing or even know where to start.
  • This is what my week looks like and I’m trying it out


Legs – Endurance and foundations

Resistance training:

Back Squats: 8×4
Hex Deadlifts: 8×4
Leg Press: 15×4
Lunges: 4 rounds
Calf Raises: 20×4
Leg Curls: 12×4
Leg Extensions: 12×4

PLYO circuit x 5
Leg-ups – 12 steps, each side
Sled push
Farmer’s walk
2 min rest


Been using a Kaiser spin bike, but whenever I bike, I have knee pain during the session. Tried to adjust the seat here and there, while fixing the biomechanics of cycling, but still no Bueno. Thinking of asking the bike shop about what might be happening when I go window shopping this weekend. What I’ve been using as ‘training’ resources are GDN cycling videos on Youtube. It is incredibly annoying when commercials come on every 10 mins. Talk about a mood killer.


1. Workout A


2x200M Freestyle, 1 min rest
8x50M medley, 25m drill/ 25m swim, 15 sec rest after 50m

Main set

8x100M Free, 30 secs rest after 100m


Speed set

4x25M, 15M max, 10M easy, 15 sec rest between 50M
1 – 2 Free, 3 – 4 Breast


100M choice

TOTAL: 1,600M

2. Workout B


400M, 100M Free, 100M Choice

Kick set

3x50M, Speed up to max pace
30 secs rest between each 50M

Main set

5x200M, 40 secs rest between each
1,3,5 Swim
2,4 Pull buoy


1x50M choice

TOTAL: 1,600M


It was a bad start. My co-worker brought my weakness to work, pastries, for two straight days. Then, she proceeded to put it on the shelf in front of my desk. I think the next time this happens, I need to reflect on how seriously I am taking this journey. Something more actionable would be simply to move away from my desk. Been really trying to incorporate a healthy breakfast to kick start the day, oatmeal and banana is my new favourite.