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Thread: Saving for post-grad?
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Sun, Nov 4th, 2007, 07:03 PM #1Julie AndrewsGuest
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Sun, Nov 4th, 2007, 09:00 PM #2
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I wish I had any great tips to share.
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Sun, Nov 4th, 2007, 09:03 PM #3Julie AndrewsGuest
I have a time-line and a goal... but at the same time I can't actively work towards my goal until baby J is in school. I have my hands full with him as it is... so hopefully I'll figure out a way to put together some $.
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Mon, Nov 5th, 2007, 12:58 AM #4Julie AndrewsGuest
So, I've found out about the Lifelong Learning Plan...
http://www.cra-arc.gc.ca/tax/individ...lp/menu-e.html
If push comes to shove I may be able to borrow from my RRSPs... but I'd rather not do that.
So the question is - should I continue to save for 'retirement' (I put retirement in quotation since I'm a SAHM) or should I save as much as possible now for school so I don't have to touch the retirement funds? When I'm working in my field I'll be able to save more towards retirement anyway.
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Mon, Nov 5th, 2007, 08:26 PM #5
I think what are you looking for can be found on CANLearn web-site. http://www.canlearn.ca/cgi-bin/gatew...rn/en/home.asp
If not, I'm sorry .... Good Luck!
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Mon, Nov 5th, 2007, 08:40 PM #6
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Mon, Nov 5th, 2007, 09:11 PM #7
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Maybe you can take 50% from your regular RSP contribution to use toward post-grad... You would have to repay what you take from RSP if I inderstand things correctly. Student line of credit may work too -
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Mon, Nov 5th, 2007, 09:47 PM #8
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Sorry but what exactly do you mean by post grad?
And most programs, except for MBA I think, pay you.
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Mon, Nov 5th, 2007, 09:51 PM #9Julie AndrewsGuest
It's the Masters in Occupational Therapy that I'm interested in... As far as I know they don't pay you.
Plus I'll also have to pay for daycare for my son while I'm studying.
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Mon, Nov 5th, 2007, 10:00 PM #10
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Day care is very expensive. I think it's better to wait until he starts school. But then again the first year of school is half school half day care.
hmmm
Have you tried contacting profs in the area of Occupational Therapy. Some may have funds or may even be willing to have you as a part time student where you can do most of your work from home.
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Mon, Nov 5th, 2007, 11:26 PM #11
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Tue, Nov 6th, 2007, 12:19 AM #12Julie AndrewsGuest
I'll be waiting for him to start school so that it will be part-time daycare... The program is arranged so that classes are from 9am - 5pm for approx 2 years full time.
I found a bursary that they offer to MScOT students... but I'd rather save as much as possible now rather than worrying about coming up with the amount when the time comes.
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Tue, Nov 6th, 2007, 12:23 AM #13
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It'll all come together.
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Tue, Nov 6th, 2007, 01:26 AM #14
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9am - 5pm classes for 2 years is too much for a grad program imho. Isn't there a lighter grad program or maybe one that is more research oriented?
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Tue, Nov 6th, 2007, 02:03 AM #15Julie AndrewsGuest
This is the one I want to do. I've seen first hand how much occupational therapy has helped with baby J and I'd love to be able to help others like the way his OT has helped us.
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