Education? Car ownership? Immigrants and refugees can reach their financial savings goals in Canada. Here are three tips to make it happen.

28 Jan 2023

成为新加拿大人是一段昂贵的时光。 It’s an expensive time to be a new Canadian.

加拿大目前正在经历创纪录的通货膨胀，导致生活成本增加，以及借贷利率上升。 Canada is currently experiencing record inflation leading to increased cost of living, as well as increasing interest rates to borrow money.

与此同时，加拿大一家主要金融机构最近进行的一项调查发现，超过半数的加拿大人 (56%) 正在削减可自由支配的支出，一些人正在考虑使用优惠券或从名牌产品中转出，以减轻成本上升对消费者的影响。货物与服务。大多数人 (81%) 都在密切关注自己的财务状况，以便在关注自己的需求之前能够负担得起自己的需求。 Meanwhile a recent survey by a major Canadian financial institution found over half of Canadians (56 per cent) are cutting back on discretionary spending and some are looking at couponing or switching from brand-name products in an effort to lessen the impact of rising costs for goods and services. Most people (81 per cent) are paying close attention to their finances so they can afford their needs before focusing on their wants.

那么，作为移民或难民，您如何在加拿大实现您的财务储蓄目标？ So, how do you, as an immigrant or refugee, go about reaching your financial savings goals in Canada?

也许您希望省钱以帮助您支付虚拟培训课程的费用以促进您的职业发展，或者您可能需要资金以便最终可以为成长中的家庭购买更大的车辆。 Maybe you’re looking to save money to help you pay for a virtual training course to grow in your career or maybe you need the funds so you can eventually purchase a larger vehicle for your growing family.

无论您的加拿大梦想是什么样子，总有实现它们的途径。 Whatever your Canadian dreams look like, there is a path to achieving them.

Windmill Microlending 是一家加拿大慈善机构，为新移民提供经济支持，使您能够支付学习期间的教育、培训、认证、专业发展或生活费用。 Windmill Microlending is a Canadian charity that provides financial support to newcomers enabling you to pay for the costs of education, training, certification, professional development or cost of living while you study.

为了有资格获得 Windmill 小额贷款，贷款申请人必须是： In order to qualify for a Windmill microloan, loan applicants must be:

• 移民和永久居民 an immigrant and a Permanent Resident
• 受保护人 Protected Person
• 公约难民 Convention Refugee
• 省提名人 Province Nominee
• 加拿大公民，或 Canadian Citizen, or
• 持有开放式工作许可的临时外籍劳工 Temporary Foreign Worker with an open work permit
• 如果您碰巧是国际学生、住家保姆或难民申请人，很遗憾您没有资格获得贷款 If you happen to be an international student, live-in caregiver or refugee claimant, you do not qualify for a loan unfortunately

通过完成我们的两分钟贷款资格测验，了解您是否有资格获得高达 15,000 美元的 Windmill 小额贷款！ Find out if you are eligible for a Windmill microloan of up to $15,000 by completing our two-minute loan eligibility quiz!

Windmill 的职业成功教练乔伊斯·万 (Joyce Wan) 本人也是一名移民，她每天与渴望在职业生涯中取得进步并积累技能和知识的移民和难民客户一起工作。对于这些人来说，支付教育费用不仅是一个目标，而且是一种必然。 Joyce Wan, a career success coach at Windmill and herself an immigrant, works, every day, with immigrant and refugee clients who aspire to advance in their careers and build their skills and knowledge. For these individuals, paying for their education isn’t just a goal, it’s a necessity.

！ !

Windmill 小额贷款客户成功教练 Joyce Wan 表示，尽管生活成本不断上涨，新移民仍可以在加拿大实现他们的财务储蓄目标。 Windmill Microlending Client Success Coach Joyce Wan says newcomers can reach their financial savings goals in Canada despite rising cost of living.

“对于 Windmill Microlending 的客户来说，设定完成他们的专业指定或认证的目标可能意味着从事一份勉强维持生计的低技能工作和从事一份改变他们在加拿大生活的高收入职业之间的区别”万说。 “For Windmill Microlending clients, setting a goal of completing their professional designation or certification can mean the difference between working in a low-skill job that barely enables them to make ends meet and getting to a high-income career that transforms their lives in Canada,” says Wan.

Wan 提供以下财务储蓄技巧，以帮助移民和难民更接近他们在加拿大的希望和梦想。 Wan offers the following financial savings tips to help immigrants and refugees get closer to their Canadian hopes and dreams.

通过完成我们的两分钟贷款资格测验，了解您是否有资格获得高达 15,000 美元的 Windmill 小额贷款！ Find out if you are eligible for a Windmill microloan of up to $15,000 by completing our two-minute loan eligibility quiz!

新移民储蓄秘诀 #1：专注于您的储蓄目标 Newcomer savings tip #1: Focus on your savings goals

确定您的储蓄目标，无论是拥有房屋、购买汽车还是为专业发展课程储蓄以帮助您发展事业。使用财务目标计算器等工具来记录您的财务目标，并预测您实现这些目标需要多长时间。同样，请确保记录您所有的储蓄来源并跟踪您的进度，包括每月余额和每月供款。了解如果需要，您可以多快获得这些资金，以及从某些账户提取资金的任何处罚。 Identify your savings goals, whether that includes owning a home, buying a car or saving for a professional development course to help grow your career. Use a tool like a financial goal calculator to capture your financial goals and project how long it will take you to reach those goals. As well, make sure to capture all your savings sources and track your progress including monthly balance(s) and monthly contribution(s). Understand how quickly you can access these funds if needed and any penalties for withdrawing funds from certain accounts.

新移民储蓄提示 #2：制定行动计划来增加收入和增加储蓄 Newcomer savings tip #2: Develop an action plan to grow your income and boost your savings

想要更快地达到您的储蓄目标？增加收入是加速这一过程的一种策略。 Wan 表示，Windmill Microlending 的客户在完成教育或培训并还清小额贷款后，收入增长了三倍多（准确地说是 3.5 倍）。具备在加拿大就业市场取得成功的技能和知识，这些人更容易找到收入更高的工作，使他们在新国家取得职业成功。 Wan 补充说，有了 Windmill 新的固定利率产品，新移民最多可以借到 15,000 美元，并且在偿还贷款时有一定的成本确定性。 Want to reach your savings goals, faster? Increasing your income is one strategy to accelerate the process. Wan says Windmill Microlending clients grow their incomes more than three-times (3.5x to be exact) after completing their education or training and paying off their microloan. Equipped with the skills and knowledge to succeed in the Canadian job market, these individuals are more easily able to find higher income work that positions them for career success in their new country. Adds Wan, with Windmill’s new fixed interest rate offering, newcomers can borrow up to $15,000, and have some cost certainty when it comes repaying their loan.

她还建议新移民谨慎管理债务，并意识到管理不善可能会对您未来的借款产生影响。值得注意的是，来到 Windmill 的客户通常在加拿大几乎没有信用记录，尽管如此，他们仍然有资格获得负担得起的贷款。 She also advises newcomers manage debt carefully and be aware that mismanaging it can have an impact on your future borrowing. Of note, clients often come to Windmill with little to no credit history in Canada and, despite this, can still be eligible for an affordable loan.

详细了解 Windmill 小额贷款为移民和难民提供的新职业贷款的固定利率优惠！ Learn more about Windmill Microlending’s fixed interest rate offer on new career loans for immigrants and refugees!

新移民储蓄提示 #3：跟踪您的进度 Newcomer savings tip #3: Track your progress

在这里，您应该考虑如何跟踪实现财务目标的进度，并考虑要养成哪些储蓄习惯。例如，设置自动转账，将每张支票的一小部分存入储蓄账户。其他人则使用四舍五入的借记卡，在每次购买时将金额四舍五入，并自动将多余的零钱转入他们的储蓄。同样，您可以请朋友或支持者帮助您朝着财务目标迈进。 Here, you should consider how you’re going to track your progress toward your financial goal and consider what savings habits you’ll want to institute. For example, setting up automatic transfers to put a small part of each pay cheque into a savings account. Others use a round-up debit card that rounds the amount up on every purchase and automatically transfers the spare change into their savings. As well, you could ask a friend or support person to help you stay on track towards your financial goals.

Wan 观察到，许多新移民在刚到加拿大时并没有每月预算的经验，但这是有效增加您的财务储蓄并更接近您的目标的关键一步。 Wan has observed that many newcomers don’t have experience with monthly budgeting, when they first arrive in Canada, but this is a critical step to effectively growing your financial savings and getting closer to your goals.

“如果您不跟踪每月开支，很容易超支并依赖信用卡或个人贷款。只有通过预算，新移民才能看到他们是否有盈余来投资和储蓄，或者是否有赤字，以审查开支，或者寻找一份收入更高的工作，”她建议道。 “It is easy to overspend and rely on credit cards or personal loans if you do not track monthly expenses. It is only by budgeting that newcomers will see if they are in surplus to invest and save, or in deficit, to review expenses, or seek a job with a better income,” she advises.

正在寻找有关如何制定有效预算和财务计划的建议？探索 Windmill 的技术移民职业成功指南中的财务规划部分。 Looking for advice on how to develop an effective budget and financial plan? Explore the Financial Planning section within Windmill’s Skilled Immigrant Career Success Guide.

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