this post was submitted on 14 Dec 2025
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Ask for a raise. One thing that might help you stretch your money a bit further is utilizing a food pantry or food bank. Not sure if they are as common in Canada.
I was only off by $30 in my scenario compared to your situation. Having multiple accounts and using direct deposit to help divide your budget upfront just makes it easier.
I'm lucky that money isn't a major concern for me at this point in my life, but earlier in my career when my ex-gf had a significant amount of credit card debt doing our budget this way really helped and got her to be debt free.
I'm not sure why you think my scenario requires savings to start, If you're already paying all your bills. This is just a tool to help manage your budget.