u/StealYourJoy

I know this is the Ontario sub but I see comments here all the time saying to come to bc to work. I have family in bc so I would not mind going back there (preferably Vancouver area) but am in Toronto for the last decade and did nursing school here so I have no idea how to go about moving back. 

I’m a new grad in the gta and open to medsurge, er or mental health as I’m not too picky. I would really love to hear from anyone that has actually gone through the process of moving from Ontario to bc to practice nursing and how they found it overall. Also what was it like financially to do so? 

For starters, I want to clarify I’m only saying this is part of the issue, there is still other problems such as wages and leadership issues. Today we see lots of comparisons to older times with better economies such as 1960s comparing things like home prices as if they are identical to today, but they aren’t. An “average” life in the 1960s is simply not what people accept as average today. 

Some examples are phones, houses and cars. iPhone 4 which came out roughly 15 years ago, it was small, less capable, had 1 camera, a worse screen and simply couldn’t hold up to the current day iPhone 17 let alone the flagship pro max. In Canada the iPhone 4 launched at about 650 CAD, currently last year’s base model iPhone 16 is selling for 999 CAD. In addition its estimated apples upcoming iPhone fold will be roughly 2500 CAD. In 15 years that’s roughly a 5x increase for the top line model with the old base model now exceeding previous flagship price.

Same is true for cars look at a 2000 Honda cicvic and compare it to the 2026 Honda civic which is bigger, has more features, better materials and more technology. This isn’t even factoring in that the suv has basically replaced the sedan. Again with housing look at what the average 1960 home was like, small, far less technology, kids probably sharing rooms, and a lower quality house overall. 

There is a clear trend here, things have continuously gotten bigger and included more which people now demand. They no longer see suv, yearly vacation or $1000 plus dollar phone as a want, it’s a need that everyone has so they can justify it. Even though people are complaining they aren’t actually changing so  companies let the chatter go as they know you will be back for the new iPhone after your contract regardless of the cost. 

When consumers show a willingness to pay no matter the cost it’s simply a signal that prices can keep going up because the consumer will find a way to pay. If the consumer simply accepted a previous standard of living or an actual average life most people would be much better off.  

There is this growing sentiment that places to hangout have suddenly vanished and young people can no longer get to hang out and know even other but this isn’t true. Places like malls, cafes, movies etc all still exist and you can go there without buying anything despite what people may say. 

This past summer my little cousins and nephew both teens have been out almost everyday going to the mall, movies or a local amusement park to talk to girls and meet up with friends. But even for adults it’s much of the same, festivals, malls events, parks, bars, etc people are still out and meeting people. 

I’m in my 20s and some of my friends are still out almost everyday doing something as entertainment with other people. So yes social media is taking over but there’s nothing stopping people from going outside to talk and meet each other. 

I also really don’t get this sentiment from Americans, I’m from Toronto and everytime I’ve been to America it’s been even more lively than it is here no matter what city I was in. Also had no issue talking to people despite not being from there. 

I want to clarify I’m not far off from this  at 25 although I plan to be gone by 30. I would actually even say this starts before 30 like around my age but I’m giving leeway. But I do think by 30 if you’re still living at home you’ve been doing life wrong. If after 12 years in the adult world roughly enough time to complete 3 degrees and I still couldn’t move out by 30 it is a me problem. 

Yes the economy is bad, jobs are harder to come by but I’ve seen those around me and know that it’s in no way impossible to get my own place by 30 if you do things right or at least stay semi on track. By 30 we’ve had 12 years and as an adult you should be able to get on your own 2 feet after that. If you haven’t you weren’t making good choices same as me largely up to this point.  

Parents won’t say it directly but they expect you to be taking care of yourself and even starting your own family by that age not still living in a room or area of their home. Friends and family will also start to look at you like a bum who isn’t leaving the nest which would accurately describe some.

I have the following debt:  Student loan 14k 5%, personal loan 23.5k 8%, credit cards 11k between 3 cards 11-25%, loc 7k 10%

Current income is $2600/m, hoping to start new job around October to November paying 4500/m  

Monthly expenses: gas/insurance 700, personal loan 400, pet 80, gym 60, subscriptions 40, work parking 60,    Utilities 130, Minimum credit cards 250, loc minimum 230, leisure 500. Total 1950-2450 

I’m running on pretty tight margins with no savings currently and by the start of next year I’ll have to add rent and my student loan payment which is roughly another 650 at least (could possibly defer student loan of 150 another 6 months)

Issue with selling my car is if I start the new job around October to November I would need to purchase another car as it’s likely gonna be far away. So that would require another car loan even for something cheaper as I don’t think I’d have enough savings to buy anything even cheaply in cash then. 

Is this a realistic option or should I just try to ruff it out until November when I have more income and try to widdle down the credit cards and stuff? 

Edit: no car loan and it’s worth roughly 17-18k about what my credit cards and loc are at currently.

I have the following debt:  Student loan 14k 5%, personal loan 23.5k 8%, credit cards 11k between 3 cards 11-25%, loc 7k 10%

Current income is $2600/m, hoping to start new job around October to November paying 4500/m  

Monthly expenses: gas/insurance 700, personal loan 400, pet 80, gym 60, subscriptions 40, work parking 60,    Utilities 130, Minimum credit cards 250, loc minimum 230, leisure 500. Total 1950-2450 

I’m running on pretty tight margins with no savings currently and by the start of next year I’ll have to add rent and my student loan payment which is roughly another 650 at least (could possibly defer student loan of 150 another 6 months)

Issue with selling my car is if I start the new job around October to November I would need to purchase another car as it’s likely gonna be far away. So that would require another car loan even for something cheaper as I don’t think I’d have enough savings to buy anything even cheaply in cash then. 

Is this a realistic option or should I just try to ruff it out until November when I have more income and try to widdle down the credit cards and stuff? 

Edit: no car loan and it’s worth roughly 17-18k about what my credit cards and loc are at currently.

I have the following debt:  Student loan 14k 5%, personal loan 23.5k 8%, credit cards 11k between 3 cards 11-25%, loc 7k 10%

Current income is $2600/m, hoping to start new job around October to November paying 4500/m  

Monthly expenses: gas/insurance 700, personal loan 400, pet 80, gym 60, subscriptions 40, work parking 60,    Utilities 130, Minimum credit cards 250, loc minimum 230, leisure 500. Total 1950-2450 

I’m running on pretty tight margins with no savings currently and by the start of next year I’ll have to add rent and my student loan payment which is roughly another 650 at least (could possibly defer student loan of 150 another 6 months)

Issue with selling my car is if I start the new job around October to November I would need to purchase another car as it’s likely gonna be far away. So that would require another car loan even for something cheaper as I don’t think I’d have enough savings to buy anything even cheaply in cash then. 

Is this a realistic option or should I just try to ruff it out until November when I have more income and try to widdle down the credit cards and stuff? 

Edit: no car loan and it’s worth roughly 17-18k about what my credit cards and loc are at currently.

I have the following debt:  Student loan 14k 5%, personal loan 23.5k 8%, credit cards 11k between 3 cards 11-25%, loc 7k 10%

Current income is $2600/m, hoping to start new job around October to November paying 4500/m  

Monthly expenses: gas/insurance 700, personal loan 400, pet 80, gym 60, subscriptions 40, work parking 60,    Utilities 130, Minimum credit cards 250, loc minimum 230, leisure 500. Total 1950-2450 

I’m running on pretty tight margins with no savings currently and by the start of next year I’ll have to add rent and my student loan payment which is roughly another 650 at least (could possibly defer student loan of 150 another 6 months)

Issue with selling my car is if I start the new job around October to November I would need to purchase another car as it’s likely gonna be far away. So that would require another car loan even for something cheaper as I don’t think I’d have enough savings to buy anything even cheaply in cash then. 

Is this a realistic option or should I just try to ruff it out until November when I have more income and try to widdle down the credit cards and stuff? 

Im 25 currently approaching 60k in debt. I have 14k in student loans (125/m for 9 years), 24k in a personal loan (400/m 6 years) was for a business and 20k in credit card debt. 

I’m entering the workforce again and have a temporary job that pays me 2800 monthly but I don’t start until early September (on a trip until then). By October to November though I’ll transition to my field and be making 4500-6000 monthly. 

My question is should I try to pay off the debt early or should I just leave them and let them go down over time to try and bring my credit score back up? My monthly expenses including the debt payments are $2000 so I’ll have roughly $2500-4000 left over each month. I plan to use the money to invest and for personal use, as my income goes up my debt should also drop which will open more room.  

Im 25 currently approaching 60k in debt. I have 14k in student loans (125/m for 9 years), 24k in a personal loan (400/m 6 years) was for a business and 20k in credit card debt. 

I’m entering the workforce again and have a temporary job that pays me 2800 monthly but I don’t start until early September (on a trip until then). By October to November though I’ll transition to my field and be making 4500-6000 monthly. 

My question is should I try to pay off the debt early or should I just leave them and let them go down over time to try and bring my credit score back up? My monthly expenses including the debt payments are $2000 so I’ll have roughly $2500-4000 left over each month. I plan to use the money to invest and for personal use, as my income goes up my debt should also drop which will open more room.  

Hello, I’m a new grad nurse and am graduating this week. I got a verbal offer from my consolidation unit but the manager said I have to apply through the ngg portal. I am ready to do so but it’s asking for my CNO number and I don’t have one yet and probably won’t at least for a few weeks as they are sending everything over next week for those who are still finishing up hours. I’m applying through our portal at work so I wont have access next week when I’m done unfortunately.

i wanted to know if I can put N/A or in progress for the cno registration number or will it not let me apply until I have an official CNO number? appreciate any help.

Income: 200-1000/m current and 2800/m starting September 

Debt: 25k credit cards, 15k personal/business loan and 20k student loan

I’m currently in a lot of debt after graduating school but I am trying to work to pay it off so I can max my tsfa. Now I  recently got a position that pays 6500/m (take home) but has an hour commute each way. I’d work 12 hour shifts 4x a week so many days will be 14 hours total.

I want to accept the position but I’m also scared of  such a long commute. I have been applying to closer options but haven’t really heard anything and if I do accept this position I’ll likely be stuck in it for a while. 

A few years ago after a double shift I fell asleep while driving and got into a minor accident. But I’m still worried the same could happen again after such long hours and not getting enough sleep. My car also isn’t gonna last long doing 120km a day and I’d likely need a new one relatively soon if I took the job. 

Anyways would this be worth it for me or should I just start my current job in September and attempt to continue looking for something closer with similar pay although it could take months to over a year.

Income: 200-1000/m current and 2800/m starting September 

Debt: 25k credit cards, 15k personal/business loan and 20k student loan

I’m currently in a lot of debt after graduating school but I am trying to work to pay it off so I can max my tsfa. Now I  recently got a position that pays 6500/m (take home) but has an hour commute each way. I’d work 12 hour shifts 4x a week so many days will be 14 hours total.

I want to accept the position but I’m also scared of  such a long commute. I have been applying to closer options but haven’t really heard anything and if I do accept this position I’ll likely be stuck in it for a while. 

A few years ago after a double shift I fell asleep while driving and got into a minor accident. But I’m still worried the same could happen again after such long hours and not getting enough sleep. My car also isn’t gonna last long doing 120km a day and I’d likely need a new one relatively soon if I took the job. 

Anyways would this be worth it for me or should I just start my current job in September and attempt to continue looking for something closer with similar pay although it could take months to over a year.

Income: 200-1000/m current and 2800/m starting September 

Debt: 25k credit cards, 15k personal/business loan and 20k student loan

I’m currently in a lot of debt after graduating school but I am trying to work to pay it off so I can max my tsfa. Now I  recently got a position that pays 6500/m (take home) but has an hour commute each way. I’d work 12 hour shifts 4x a week so many days will be 14 hours total.

I want to accept the position but I’m also scared of  such a long commute. I have been applying to closer options but haven’t really heard anything and if I do accept this position I’ll likely be stuck in it for a while. 

A few years ago after a double shift I fell asleep while driving and got into a minor accident. But I’m still worried the same could happen again after such long hours and not getting enough sleep. My car also isn’t gonna last long doing 120km a day and I’d likely need a new one relatively soon if I took the job. 

Anyways would this be worth it for me or should I just start my current job in September and attempt to continue looking for something closer with similar pay although it could take months to over a year.

This mainly came about as people often do this to me but it’s annoying and uncalled for. For starters another persons financial situation doesn’t affect you unless you are supporting them (if you’re paying my rent judge away). 

But an example of this is I drive an expensive car not super expensive but it was 80k when I bought it and I’m still living with my parents. Im not rich but I know my own situation and what I was getting into. Yet I have had so many people, some who I don’t even talk to judge me for this and it’s annoying. Half of them aren’t even privy to my finances and the other half it doesn’t concern them. 

People do this to a lot of poor people as well and judge them up and down for nothing behind better if financially as if they went out and decided to be poor. Theres no reason for anyone to comment on the financial situation of anyone else unless they are directly involved or were asked for advice

I started applying to jobs (mainly hospitals positions in the gta) after passing my nclex but I know some people started before we even finished our last semester of school. I know it’s still early but I’m just wondering how long it generally takes to hear back for an interview after applying? Is a month a normal wait time or do things usually work a bit faster? I know it’s still summer so things may be moving a bit slower but just looking for an estimated time frame.

I think starting in the middle of high school teens and young adults need a mentor into their 20s. Someone to guide them down the right path and give them real insight to the years ahead and the reality of the paths they are looking into after high school or while entering adult life. 

I got a mentor at 21 and 4 years later I’m much better off for it, into a good career and I had someone to guide me through the journey. He showed me the best route to take, how to do it cheaply and how to finish faster than average. Being in the same field he was even able to connect me with opportunities.

Before this I had just gone to community college, got a worthless degree, bounced around jobs with no real direction or plan. All I planned to do was try to get hired at an established company and hopefully work my way up to a better position. While not everyone did what I did, I think many people fall into the same category of not quite knowing what to do, how to go about doing it or how to actually progress in life.  So they just kind of go with the flow and don’t really have any structured plan or goal. 

I believe this type of structured guidance would go a long way in terms of helping young people build themselves into successful adults and cut out some of the mistakes that many people make in life like taking on too much debt, pursing a poor career, not knowing what to do with life etc. I know for me had I got in contact with my mentor at 16 instead of 21 for example I would’ve saved lots of money and time while also getting started in life sooner. 

I’m a new grad and have been very lucky  to get 4 job offers but I will need to make a choice in the next 2 days and I’m struggling to choose. I wanted to do er or float pool but the commute is kinda driving me away. Which of these sounds the best in your opinion?

Offer 1: Float nurse Part Time 

Pay: 46.91 no benefits 

Commute: 1 hour 

Pros: lots of OT, 12 week new grad orientation, second most desired specialty, get to float between medicine, er and mental health

Cons: far commute, smaller organization, less diverse patient population 

2: Rehab Unit Full Time

Pay 41.15 with benefits 

Commute: 25 - 45 minutes 

Pros: 25k bonus for working here 2 years, currently work on this unit, good culture, lots of OT, lighter less complex patients, comfortable with team, enjoy patient population, easiest job

Cons: worst option for gaining experience (want to pursue travel nursing), coworkers may still view me as a student, not preferred unit, 1 food option 

3: Stroke Medicine Unit Full/part time

Pay 41.15 or 46.91 

Commute: 30 minutes 

Pros: 25k bonus for working here 2 years (if full time), did pre grad here, best commute, like the staff, comfortable on the unit and with patients, good experience for new grad, other locations closer to me for future positions, lots of food options nearby

Cons: heavy patients, staff don’t like working there, 8 shift orientation

4: Stroke Medicine Unit Full Time 

Pay: 41.15 with benefits 

Commute: 25 - 45 minutes  

Pros: 25k bonus for staying 2 years, did a placement here, liked the unit, comfortable with stroke patients, best hospital organization

Cons: heavy patients, don’t know anyone, 12 shift orientation 

I’m a new grad and have been very lucky  to get 4 job offers but I will need to make a choice in the next 2 days and I’m struggling to choose. I wanted to do er or float pool but the commute is kinda driving me away. Which of these sounds the best in your opinion?

Offer 1: Float nurse Part Time 

Pay: 46.91 no benefits 

Commute: 1 hour 

Pros: lots of OT, 12 week new grad orientation, second most desired specialty, get to float between medicine, er and mental health

Cons: far commute, smaller organization, less diverse patient population 

2: Rehab Unit Full Time

Pay 41.15 with benefits 

Commute: 25 - 45 minutes 

Pros: 25k bonus for working here 2 years, currently work on this unit, good culture, lots of OT, lighter less complex patients, comfortable with team, enjoy patient population, easiest job

Cons: worst option for gaining experience (want to pursue travel nursing), coworkers may still view me as a student, not preferred unit, 1 food option 

3: Stroke Medicine Unit Full/part time

Pay 41.15 or 46.91 

Commute: 30 minutes 

Pros: 25k bonus for working here 2 years (if full time), did pre grad here, best commute, like the staff, comfortable on the unit and with patients, good experience for new grad, other locations closer to me for future positions, lots of food options nearby

Cons: heavy patients, staff don’t like working there, 8 shift orientation

4: Stroke Medicine Unit Full Time 

Pay: 41.15 with benefits 

Commute: 25 - 45 minutes  

Pros: 25k bonus for staying 2 years, did a placement here, liked the unit, comfortable with stroke patients, best hospital organization

Cons: heavy patients, don’t know anyone, 12 shift orientation