1150.00 / month rent for 2 people for a three-bed, single-dwelling home about a 45 minute commute from downtown. this is a lower than average rent b/c we rent from our neighboring church -- average rents for a 2BR home in this neighborhood range from 1300-1500 / month

Monthly utilities
110.00 Cell phone for a very limited plan for 2 people; Canada has the highest cell phone rates in the world
48.00 Internet
35.00 Vonage phone
40.00 electric
100.00 gas: can be highly variable due to seasonal differences from 35-50 in the summer to 250 in the winter

Food inc Alcoholic Bev and eating out
500-800 month for two people eating well but not eating out more than 1x a week and rarely eating out somewhere fancy (> 25$pp)

Transport
200-300$ gas for vehicle for one person (work not accessible by public transit)
75$ public transit for one person

Banking fees: 13 / month for basic -- free checking virtually nonexistent in Canada

Medical / Dental: basic health care costs covered under ontario health plan. supplemental health insurance is 50$ / month.

Insurance on vehicle approximate 300$/ month