Was there an anticipation for you to take part in university formation? Did you take part in a form of university formation? If so, how did you pay for it?
Yes, my parents have always expected we to attend university education – they are both university professors. In particular, they wanted us to move away from home to go to school because they thought it was an important part of the structure of independence. Nevertheless, I grew up and knew that there was money for it, and in Canada the costs are far less astronomical than in the states. My parents contributed to the result of each of us that covered the tuition fees and also helped to add basic costs such as living space and food. I also worked part -time in the university library during my entire Bachelor’s degree, scholarships (of which I was half back and half for myself) and worked full -time in the summer. Money from these streams paid everything that was not tuition fees, rent and food: books, medication, therapy, money from money, internet, my laptop for school etc. I did without any debts, a great privilege that, compared to many of my colleagues, let me on a really safe financial foot. I returned to school for a master program, which I paid for without support in the financial family, although the knowledge and comfort of my family in university spaces were of great help when it came to applying for scholarships. I received an important government scholarship (17,000 US dollars), which covered some of my expenses, 5,000 US dollars for tuition fees from my university, and I worked as a teaching assistant, research assistant and editorial assistant to make ends while I graduated. I also got a co-op job.
What conversations did you have about money? Did you transfer your parents about finance?
In my household, conversations about money were dominated by the way of thinking “We cannot afford”: my family saw money as a number of decisions, and because education was the first priority of my parents, this meant that we could not afford things like frequent meals or family holidays that were involved in planes. In addition, my parents did not teach me about money or personal finances that “they should open a TFSA”. I didn’t know what investments were, how loan scores were determined or how to manage the daily expenses, and credit cards and other consumer debt were an abomination in my household (and I hardly used my first credit card until I was 23 years old). Basically, I only learned about money that saving = good and output = bad. I read a lot after I finished school and I learned some money there.
What was your first job and why did you get it?
In the summer, when I was 15, I worked as a camp assistant in a children’s strap in Quebec as part of a work exchange and language learning program sponsored by the YMCA. I stayed with a host family and learned French, and my family organized a student from Quebec. I got the job to spend money, the chance to get away from my hometown and learn French for the summer, although this last part was largely accidental. I felt extremely rich in my salary check, although I earned about $ 10 an hour. Before that, I had Babysat on a casual basis for friends of family fans.
Have you worried about money that grew up?
Not really. There were enough to walk around. I was to blame for money: feelings of guilt about the costs of my training and the money that my parents spent on me, especially as a teenager/teenager.
Are you worried about money now?
Yes. I live in high residential areas and are constantly worried about the future, the view of the loss of jobs and long -term security. I would like to be able to achieve great goals such as possession of a house, but for the most part they do not feel accessible because my money disorders prevent me from separating me from the money that is necessary to make this type of purchase.
At what age do you become responsible for yourself financially and do you have a financial security network?
I was financially responsible for myself as soon as I exceeded the stage after my Bachelor’s degree at the age of 21. That means my safety net is considerable. My family could help me if I have lost my source of income, I could stay with you if I lost my apartment and they helped me manage unexpected expenses, such as the cost of travel to the funeral of my grandmother at the beginning of this year.
Do you have or have you ever received a passive or inherited income? If so, please explain.
After the support that I received for my training, no, and I don’t expect it.
