u/scum20000000

Hello everyone! I am a first time traveler currently have a trip planned to go to Europe and the Netherlands for 14 days. Looking for advice on using a 40L tzowla clam shell travel backpack and 1 10l sling bag. Is a 40L pack overkill for this trip?

Travel details:

Fly Air Canada from Calgary -> montreal short 1hr5min layover -> Paris

Eurostar train from Paris -> Amsterdam

Fly via Norweigian Airways from Amsterdam -> Copenhagen

Fly via Lufthansa airways from Copenhagen -> Munich short 1hr15m layover -> fly via Discover airways from Munich -> Calgary

I am most worried about the European airlines for baggage policy.

Packing List:

☆ MUST HAVES ☆

ID

Passport

Wise Card

Credit Card as backup

Travel insurance cards

Manulife Card

Cash money's

Itinerary + printed tickets

Phone charger

3ds charger + 3ds

Camera charger + Small digital Camera

EU Plug adapter

Power Bank

Watch charger cable

☆ TOILETRIES ☆

Hair gel in 1oz container

Comb

Face Wash stick

Tooth brush Travel size

Tooth paste travel size

Floss

Lip Balm [sling pack]

Backup nose rings/tongue rings

Cologne 3oz spritzer travel bottle

Deodorant full size

Razor

Tylenol[sling pack]

Gravol [sling pack]

Bar Soap small

Laundry sheets

Yravel size hand sani + tissues [sling pack]

☆ ACCESSORIES ☆

Sunglasses + case [sling pack]

Sling pack

Earphones [sling pack]

Baseball hat

Toque + light mitts

Ear plugs

Sleep Mask

Travel neck pillow

Waterbottle

Pen

☆ CLOTHES ☆

T-shirts x3

Long Sleeve ×3

Jeans x1

Chino x1

Track pant x1

Underwear x9

Bras x2

Socks x6

Sleep shorts x1

Sleep tank x2 [doubles as undershirt]

Belt x1

Zip up hoodie x1 [plane outfit]

Sweat pants x1 [plane outfit]

Columbia rain jacket x1 [plane outfit]

Merell running shoes x1 [plane outfit]

Any advice on if the 40l tzowla bag is overkill? Anything I should add or leave behind? If worst case scenario I have free checked bag with my ticket but would rather not have to worry about checking a bag.

Any help is greatly appreciated I hope this post is informative enough

Hello everyone! I am a first time traveler currently have a trip planned to go to Europe and the Netherlands for 14 days. Looking for advice on using a 40L tzowla clam shell travel backpack and 1 10l sling bag. Is a 40L pack overkill for this trip?

Travel details:

Fly Air Canada from Calgary -> montreal short 1hr5min layover -> Paris

Eurostar train from Paris -> Amsterdam

Fly via Norweigian Airways from Amsterdam -> Copenhagen

Fly via Lufthansa airways from Copenhagen -> Munich short 1hr15m layover -> fly via Discover airways from Munich -> Calgary

Packing List:

☆ MUST HAVES ☆

ID

Passport

Wise Card

Credit Card as backup

Travel insurance cards

Manulife Card

Cash money's

Itinerary + printed tickets

Phone charger

3ds charger + 3ds

Camera charger + Small digital Camera

EU Plug adapter

Power Bank

Watch charger cable

☆ TOILETRIES ☆

Hair gel in 1oz container

Comb

Face Wash stick

Tooth brush Travel size

Tooth paste travel size

Floss

Lip Balm [sling pack]

Backup nose rings/tongue rings

Cologne 3oz spritzer travel bottle

Deodorant full size

Razor

Tylenol[sling pack]

Gravol [sling pack]

Bar Soap small

Laundry sheets

Yravel size hand sani + tissues [sling pack]

☆ ACCESSORIES ☆

Sunglasses + case [sling pack]

Sling pack

Earphones [sling pack]

Baseball hat

Toque + light mitts

Ear plugs

Sleep Mask

Travel neck pillow

Waterbottle

Pen

☆ CLOTHES ☆

T-shirts x3

Long Sleeve ×3

Jeans x1

Chino x1

Track pant x1

Underwear x9

Bras x2

Socks x6

Sleep shorts x1

Sleep tank x2 [doubles as undershirt]

Belt x1

Zip up hoodie x1 [plane outfit]

Sweat pants x1 [plane outfit]

Columbia rain jacket x1 [plane outfit]

Merell running shoes x1 [plane outfit]

Any advice on if the 40l tzowla bag is overkill? Anything I should add or leave behind? If worst case scenario I have free checked bag with my ticket but would rather not have to worry about checking a bag.

Any help is greatly appreciated I hope this post is informative enough

EDIT * Location - Calgary AB

Imake 50k roughly take home after tax yearly with a few bonuses. Currently at $28.75/hr. Raises once a year. Been with the company 4 years and started at $18/hr. Looking to buy a condo max at $230k. Would like to try and stay lower if possible.

Current savings:

$40k FHSA

$10k TFSA

No credit debt or student loans/car loans.

Bills:

Car Insurance $320/monthly

Phone Bill $94/month for 1 more year until 2 year contract is done. Then goes down to $40/month

Gas $50/ bi weekly $100/month

Groceries $200/ bi weekly $400/monthly

Total $914/ monthly

SUBSCRIPTIONS $/ MONTH

Pool League $50/month

Gym membership $25/bi weekly $50/month

Spotify $14.00 /month

Disney + $17/month

Amazon Prime $13/month

Total $131/month

Would I be house poor if I choose to buy a condo? Should I stick with renting? I mainly want to try and get my foot in the door to real-estate. What woukd you decide if you were in my shoes? I could get a roommate also if I do buy.

EDIT * Location - Calgary AB

I make 50k roughly take home after tax yearly with a few bonuses. Currently at $28.75/hr. Raises once a year. Been with the company 4 years and started at $18/hr. Looking to buy a condo max at $230k. Would like to try and stay lower if possible.

Current savings:

$40k FHSA

$10k TFSA

No credit debt or student loans/car loans.

Bills:

Car Insurance $320/monthly

Phone Bill $94/month for 1 more year until 2 year contract is done. Then goes down to $40/month

Gas $50/ bi weekly $100/month

Groceries $200/ bi weekly $400/monthly

Total $914/ monthly

SUBSCRIPTIONS $/ MONTH

Pool League $50/month

Gym membership $25/bi weekly $50/month

Spotify $14.00 /month

Disney + $17/month

Amazon Prime $13/month

Total $131/month

Would I be house poor if I choose to buy a condo? Should I stick with renting? I mainly want to try and get my foot in the door to real-estate. What woukd you decide if you were in my shoes? I could get a roommate also if I do buy.

Current debts - $0 all credit cards get paid off in full every month and no car loans or student loans.

Current bills:

Currently live at home and dont have to pay rent so I have an FHSA opened which currently has $25k invested in cash.to and veqt. Looking to purchase a condo or townhome in Calgary.

I aim to have 30-35k down payment by the time I purchase and will have a 10k Emergency fund.

$335 Insurance [ I've shopped around and cant find cheaper ]

$90 phone bill

$25/ month Gym

$50/ month video subscriptions

$400/ month in Groceries

Am I setting myself up to be house poor if I purchase a 200-280k condo in calgary? I want to make sure I can afford this on my own. Even tho I also plan to have my partner move in with me and out of her rental and she will be paying her part. But the main thing is if anything were to happen I can afford it all on my own regardless.

Buying a townhome with an 80k salary

Hello all. Looking to pick your brains for some opinions. Currently have a household income of 80k between myself and my partner. We are looking into purchasing a townhome/condo/maybe apartment? And would like your opion if you think its doable and a good investment.

We both currently live at home have minimal debts. My partner has a car loan and a srufent loan. I have no debts. And we currently have $30k saved in an fhsa. We are aiming to budget for 300k max for a home.

Would you jump into home owner ship under these circumstances?