Property Tax 2020

Hay, another big gastos! We received na our property tax notice two days ago, kailangan ng magbayad on or before July 2, 2020.

This is one of the drawbacks of owning a house, may property tax na kailangang bayaran. Naalala ko tuloy when we were just renting in Surrey, ang dami naming extra money lol. Rent at electricity lang kasi ang binabayaran namin. Naisip ko na nga rin noon, what if hindi na kami bumili ng bahay forever? We can save a lot! Pero syempre at the end of the day, doon pa rin kami sa magkaroon ng sariling bahay. Iba ang sense of ownership eh, parang feeling mo may lugar ka talaga sa mundo. Pero syempre, you have to 'pay' to experience that feeling.

At eto na nga, it's the time of the year again. My husband opted to pay our property tax once a year na lang para isang gastusan na lang. Pwede rin kasing gawing monthly yan para hindi mabigat (katulad ng ginawa namin sa previouse house namin sa Edmonton).

Are you curious kung magkano ang 2020 tax nitong humble abode namin? Sige disclose ko na tutal wala naman gaanong nagbabasa nitong blog lol.

It's $1,841.86 or approximately Php73,000+.  If you divide it in 12, $153.49 (Php6,140) per month.

Actually dapat $2,686.86 talaga ang tax pero mayroong Home Owner Grant dito na tinatawag wherein makakadiscount ka ng malaking amount if you use the property as your primary residence. Kaya ayun, nakatipid kami ng $845.

Nagkausap kami ng friend ko from Edmonton and I was shocked that they are paying $3500+ yearly tax for their single detached home na may value ng at least $100,000 less than our townhouse. Ang alam ko kasi, based sa assessed value ng property ang tax. So ibig sabihin mas mahal property tax sa Alberta kesa British Columbia?

Ooops, by the way, every year we receive din a Property Assessment Notice. Nakalagay dyan kung magkano na ang current "value" ng property mo at dyan din bine-base ang tax amount syempre.

The value of our townhouse decreased by 5% this year. In general, bumaba talaga ang value ng lahat ng properties ngayon due to many factors -- law of supply and demand, government policies in home-buying, etc. Tapos siguro next year mas bababa pa dahil sa Covid?  Pero ayos lang yan, wag na lang pansinin tutal hindi naman ibebenta pa. Tataas uli yan later on.

Cancelled Edmonton Visit

I am so glad that our supposedly Christmas trip to Edmonton didn't push through. Sobrang lamig daw doon ngayon.

My husband has a 10-day break this holiday season (their office shuts down from Christmas to New Year) so we had a chance sana to visit our friends (who we consider our Canadian family) in Edmonton. It's been 15 months since we left and we miss them all. Sobrang kinukulit din nila kami talagang magpunta doon kaya umabot sa "80% probability of going" na kami. My friend Mylene was so excited na bibili na talaga siya ng bagong mattress para sa room "namin" sa house nila.

But I sort of backed out the last minute. Nitong malapit nang mag-Christmas, napag-isip-isip ko na marami rin palang dapat inconsider sa pagpunta namin doon.

First, is it ok to drive during winter time? We've done several Edmonton-to-Vancouver trips before pero palaging summer. Parang nakakatakot kasi baka mag-snow habang bumabaybay kami sa bundok. Pero the weeks before Christmas, maganda ang weather dito at sa Alberta. "Mainit" nga daw doon at hindi nagi-snow so medyo nahikayat na rin ako.

Then came the budget issue. In my conservative estimate, we will be spending at least a thousand bucks (or Php40,000+) for a 5-day trip to Edmonton. My friend was insisting na gas lang naman ang gastos at sagot na niya ang pagkain kasi nga sa house naman nila kami mag-stay, pero syempre hindi naman pwede yun. We are not free-loaders noh. Saka I want to bring them pasalubong syempre (Purefoods hotdogs from Seafood City Seattle and siopao from Newtown Bakery). Tapos dahil Christmas, we have to buy gifts for the kids (and adults din). Aside from that, yung mga kain pa namin sa labas at contribution sa mga kainan at inuman. If the weather is bad pa, kailangan din naming mag-hotel in between our trip/s because Ford will have a hard time driving at may kasama pa kaming bata.

To add, wala nga pala kaming proper outfit for Edmonton weather. Well, kami ni hubby meron namang thick coats/jackets and boots/winter shoes kaso nabaon na sa storage. Kailangan pang sobrang kalkalin. Si Nathan ang wala so kailangan pang ibili, kaso nga hindi naman masusulit kasi hindi naman magagamit dito sa Vancouver dahil hindi ganun kalamig dito. At uuwi na rin kami sa Pinas sa January 8 kaya talagang masasayang lang.

Then Ford informed me that if we will go, kailangan na niyang pumunta sa casa para mapalitan ng winter tires yung kotse namin! What?!? Oo nga pala, di kami naka-winter tires dito kaloka. Meron naman kaming winter tires sa storage kaso dahil nasa open parking space kami ng apartment complex, walang lugar na pwedeng pagpalitan. Kaya kailangan pang dalhin sa casa at ibayad. Tapos papapalitan na naman ng regular tires after. Doble gastos pa!

That's when I finally decided na manahimik kami sa bahay. Yep, it was my SOLE decision kasi keri lang naman sa asawa ko kahit ano.

But of course, meron pa ring panghihinayang kasi nga sobrang miss ko na ang mga kaibigan namin. I am sure na mag-eenjoy din si Ford kasi makakainom siya nang todo. Kahit si Nathan matutuwa kasi marami siyang makakalarong bata for a couple of days. But $1,000 is $1,000. I mean, it may not mean that much now, pero by next year when we buy na a place of our own, makikita namin ang relevance ng amount na yan. Ang dami-daming nakaambang gastusin talaga. Saka nag-splurge na rin kasi kami sa California trip namin last November., tapos uuwi pa nga kami ni Nathan sa Pinas this January.

At this point, grateful na rin ako na hindi kami tumuloy dahil nga sa weather doon. Had we gone there, mag-stay lang din kami sa house ng friends namin dahil sa sobrang lamig. I planned on going to South Edmonton Common pa naman to shop (5% lang kasi ang sales tax sa Alberta) kaso open-air shopping area naman dun. Saka delikadong magdrive kung ganyan ka-extreme ang panahon.

Pic taken from a friends FB account

We miss Edmonton pero hindi pa nga siguro time na bumisita kami roon. Who knows, baka sa summer. Kung hindi pa rin (kasi nga balak na naming magstart maghanap ng house by April 2018), yung mga kaibigan na lang namin muna doon ang aantayin naming dumalaw dito.

Fashion Confusion

It still feels weird that I am not wearing boots and leggings in December. Nakakapanibago.

December 2, 2017

This is my first winter here in Metro Vancouver (Nathan and I went home in Pinas last year, from November 6 to April 13) so I am kinda confused on what to wear here. In Edmonton, automatic winter boots at jacket na yan pagdating ng November. Dito pala pwede pang mag-tsinelas at light sweater.

November 27, 2017

The lowest temperature I've experienced here so far is just 2 degrees Celsius. Pero kadalasan ay between 6 to 11. Usually ang 2 degrees ay pang-madaling araw lang.

I realized that I don't have many outfits for the kind of winter here. Again, most of my winter clothes are "heavy-duty." Makakapal talaga. Ayaw ko naman gaanong bumili ngayon because we are going for a 3-month vacay again in Pinas come January 9, kaya spring na pagbalik namin.

I am trying to make do of what I have in the past. Thankfully, medyo nabawasan na talaga ako ng weight kaya kumakasya na uli ang mga pang-spring/fall clothes ko noon. But I really have to invest more on closed-casual shoes / sneakers / rubber shoes kasi mas ganyan ang kailangan ko dito.

Medical Services Plan of British Columbia

We moved to Surrey, British Columbia last October 2, 2016. Unlike in Alberta where you are covered the moment you moved there, we had to wait for 3 months to be eligible for BC's health care.

Just a few weeks ago, my husband informed me that we are already "covered." (By the way, I had to write to Health BC to explain why my son and I will be 'away' from BC for five and a half months). I was grateful but 'disappointed' at the same time.

Why, we have to pay $150 per month as premium for our Medical Services Plan!

Waaah! Another reason why I want to go back to Edmonton.

Bigla talaga kasi akong nanghina. I mean, on top of additional 7% provincial tax on goods, eto at me additional monthly bill kami. We are now paying the maximum premium (for those with above $42,000 net income) of $75 per adult (hence, $150). We don't have to pay for Nathan as there are no premiums for children under the age of 19.

Ford argues na meron din namang "bayad" talaga ang health sa Alberta, naka-imbibe lang sa income tax. Mas mababa daw ang income tax sa British Columbia.

Oh well, we will find that out this April when we submit our income tax returns. Pero sa ngayon, hindi ko pa talaga masabing gusto ko na sa BC.

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NOTE: I consider $150 a 'big' amount already. When you are living in Canada (especially on a single income), every dollar counts.