Discover Narcity
Get the latest and greatest stories every day in your inbox.
Data centres, floods, affordable housing: What Mississauga’s next mayor must confront in a climate crisis
Mississauga faces rising flood costs and needs $30 million more annually for stormwater management.
In a tight race to lead one of Canada’s fastest-growing big cities, incumbent Carolyn Parrish is facing two of her council colleagues and her predecessor Bonnie Crombie, as affordability and crime have dominated the mayoral campaign.
On October 5, they were asked during a debate to identify the single biggest issue facing residents in the 2026 municipal election.
“Leadership,” Alvin Tedjo answered.
“Trust,” Dipika Damerla said, pointing to the declining “quality of life”.
“Affordability,” Crombie said.
Parrish, who was absent, chose to participate in only three mayoral debates while continuing to attend local community events and respond to residents on social media—similar to her approach in the previous municipal election.
In a poll taken the same day, residents picked affordability, housing and taxes as their top three election issues. Another survey found housing affordability is a central issue for voters across the GTA—69 percent say it would influence their vote and 82 percent believe municipalities are not doing enough to address the crisis.
But where does the problem stem from?
While broad economic and political storms have coalesced to create the ongoing affordability crisis, another storm, quite literally, has intensified those pressures, but it has been conspicuously absent from the local debates.
Climate change impacts almost every aspect of municipal government and the residents who rely on City Hall for flood and storm management, reducing local emissions from bus fleets and municipal buildings, safeguarding watersheds, managing land use in sustainable ways and ensuring public spaces provide natural outlets that help the physical and mental health of residents.
Despite all the direct connections between local government and its environmental gatekeeper role, voters often look past these critical functions.
“The disconnect was always surprising,” Harvard University assistant professor of economics Adrien Bilal said.
In 2024 — the warmest year on record (1.46–1.49° Celsius) —, Bilal teamed up with Northwestern University economist Diego R. Känzig to rethink conventional estimates of climate change’s economic toll; the two found a direct correlation between the two and projected every additional 1°Celsius (C) rise in global temperatures could reduce global gross domestic product by 12 percent, six times the losses estimated by previous research.
That same year, Mississauga recorded the highest greenhouse gas (GHG) emissions of any Peel municipality, releasing 6.7 million tonnes of carbon dioxide equivalent (tCO₂eq) — substantially more than Brampton’s 4 million tonnes and Caledon’s 671,151 tonnes.
Mississauga was also battered by two once-in-a-century storms that summer, which left residents stranded with flooded basements, damaged vehicles and costly repairs, with many left to shoulder expenses not covered by insurance and, eventually, a high insurance premium.
In 2021, American economist Sean Becketti theorized the climate crisis as the domino that disrupted property values, mortgage defaults, insurance costs and the stability of the housing finance industry: Physical risks, including flooding and extreme weather, were not being adequately reflected in market valuations, raising red flags about whether lenders, insurers and governments are prepared for climate change’s financial consequences.
The aftermath of the 2024 flooding illustrated the theory in practice: even while carrying the immense emotional and financial toll, residents continued delegating at City Hall, pushing for stormwater upgrades and better flood mitigation, prompting intense, prolonged discussions among council members.
Since 2016, Mississauga has poured over $200 million into stormwater infrastructure with plans to invest $365 million by 2034; however, an additional $30 million per year from 2025 to 2124 is required to fully fund the City’s stormwater program and maintain aging stormwater pipes, according to a 2020 staff analysis.
During budget deliberations in November 2024, City staff warned the City’s stormwater reserves could be depleted by 2026 without additional revenue and suggested raising the stormwater charge in future years.
Before passing a sweeping suite of policies (including expediting major stormwater initiatives like the Dixie-Dundas Flood Mitigation Project) to protect residents and combat future flood risks in September 2024, Mayor Parrish complained about being “left to dry” by Queen’s Park and Ottawa to shoulder the cost of the storm.
“We’re starting to be tired of being the poor cousins,” she told The Pointer previously.
In April 2025, 128 municipal leaders, including Tedjo, issued an open letter to federal party leaders urging climate-focused action to strengthen Canada’s resilience in the face of natural disasters.
If elected mayor, he intends to continue pressing provincial and federal governments for infrastructure funding while prioritizing floodplain protection, stormwater management and upgrades to prevent flooding.
“Other municipalities, including Brampton, have successfully secured significant funding for infrastructure improvements, and Mississauga must actively pursue these same opportunities,” he told The Pointer.
The report asks municipal governments to revise zoning laws, building codes and infrastructure to withstand rising climate risks; invest in nature-based solutions like urban trees and green spaces to reduce local temperatures; strengthen heat-warning systems and cooling infrastructure; and cut emissions through better waste management, clean energy and electrified transportation.
“Mississauga should continue seeking its fair share of provincial and federal funding, but that cannot become an excuse to delay decisions within our own control,” Crombie said.
“The City controls its budget, municipal buildings, local roads, stormwater investments, purchasing decisions and much of the planning that shapes how our community grows.”
She supports integrating climate resilience into routine asset management and budget decisions, starting with prioritizing flood protection in the capital budget, improving transit service, making municipal buildings more energy-efficient and using land-use planning to create communities “where people have practical alternatives to driving”.
Tedjo agrees Mississauga can take meaningful action on climate resilience and sustainability “without waiting for other levels of government”.
“For too long, progress on our climate commitments has been slow. I am committed to meeting Mississauga’s existing climate targets and ensuring the City takes meaningful action to achieve them,” he told The Pointer.
The City of Mississauga declared a climate emergency in June 2019 after a group of middle school students from Camilla Road Senior Public School made a deputation to council; it also led to the adoption of the Climate Change Action Plan (CCAP) that included a 40 percent reduction in GHG emissions from 1990 levels.
In June, Mississauga’s Climate Policy Supervisor, Carrah Bullock, reported that 95 percent of the 89 actions outlined in Mississauga’s 2019 CCAP have either been completed or are underway: 13 actions have been completed, 46 have been completed but remain ongoing through continuous improvement efforts and 26 are currently underway.
However, Mississauga resident and Youth Climate Corps’ Executive Director, Bushra Asghar, who has watched water creep across her parents’ basement floors almost every rainy season, feels the climate plan is “performative”.
“They’re meeting 95 percent of their calls to action while failing to meet all their emissions. It’s a bit greenwashy,” she told The Pointer.
“What they’re doing is creating tasks that they can checkmark. But what are the actual reductions in emissions in real time? At this pace, how many years behind are you on the pathway to meeting your own targets?”
While Crombie takes pride in Mississauga declaring a climate emergency during her tenure as mayor, she firmly believes “a declaration and a plan must be followed by implementation” — which she intends to do by translating climate targets into actionable decisions on transit, buildings, land use and the City’s own operations, if elected again.
“In my first budget year, I would bring forward an implementation schedule identifying the actions, costs and expected emissions reductions needed to advance that target, with annual public reporting on progress,” she told The Pointer
“Residents should be able to see what has been funded, what has been completed and where we are falling behind.”
An “important part of that work” is her transportation plan that aims to make transit a “practical choice” by improving MiWay bus services, getting the Hazel McCallion Line open and advancing a connected regional network—while tackling the second-highest source of GHG emissions in the municipality.
Previously, she spearheaded the City’s departure from purchasing conventional diesel buses in 2019 and steadily replacing them with hybrid-electric and zero-emission alternatives.
In September 2024, Mississauga became the first Ontario municipality to pilot 10 hydrogen fuel cell electric buses, expected to be on the road next year, as part of its public transit fleet.
“If we’re going to be smart about climate change, we need to start looking into alternatives to diesel for our growing transit fleet and start investing in cleaner fuels and technologies,” Parrish said.
“[It] will advance our understanding of hydrogen fuel and what it means for sustainable transportation options in the future. We’re committed to looking for innovative and low-emission solutions to reach our goal of reducing greenhouse gas emissions in Mississauga by 40 percent by 2030.”
The total cost of the $25.4 million project is being shared between the City ($14.4 million) and Ottawa ($11 million).
That decision doesn’t sit right with Damerla, who estimates the higher cost of hydrogen fuel could add $3 million annually over the buses’ 20-year lifespan, amounting to $60 million in additional costs.
“The problem with those buses is that it’s untested technology, and we actually don’t know whether they reduce greenhouse gases,” she said during The Pointer’s latest ‘Ballot Vox’ episode.
“Why are we doing a pilot on the backs of the City of Mississauga property taxpayers?...let the federal government fund it.”
A proponent of a value-for-money audit, her campaign has largely focused on scrutinizing each spending item at City Hall to reduce the ballooned property tax (4.39 percent for this year).
“Every week, we say yes to some new spending. No one’s saying how does this all add up, and then we do all of these things that sound very high-minded…we’re gonna do a free app for everybody or we’re gonna save the environment,” she said.
Tedjo contends one of Mississauga’s biggest challenges is communities built “around car dependency rather than investing in more sustainable transportation options and walkable neighbourhoods that can help reduce our carbon footprint”.
That reliance can be reduced by “transitioning our public transit fleet and municipal vehicles to electric alternatives, expanding access to EV charging infrastructure and encouraging greater adoption of electric vehicles”.
In 2024, Mississauga emerged as a leader in EV adoption in the Peel region with a 30 percent growth in registrations.
Parrish has been outspoken about her support for EVs as well—greenlighting the expansion of the city’s EV charging network with more than 170 connections in place; the decision was supported by Tedjo and Damerla both during the council vote.
Despite their differing perspectives on community mobility, Crombie, Damerla and Tedjo all believe flood protection must be a priority and Lisgar is among the “repeatedly affected neighbourhoods” that require urgent attention due to their vulnerability to repeated flooding.
“Our work has been too slow,” Damerla observed.
“The money is already earmarked. Let’s just get it going. So my first commitment would be to speed up the Lisgar pumping station.”
Crombie promises to give precedence to “clear public accounting of the pumping-station, drainage and downspout work already undertaken or planned, what remains outstanding and whether it is delivering the protection residents need”.
“Our capital planning must reflect increasingly severe rainfall,” she said, calling for greater investment in stormwater capacity, upgrades to existing infrastructure and nature-based solutions such as permeable surfaces, rain gardens and natural areas to reduce runoff.
A 2022 report from the Financial Accountability Office of Ontario endorsed higher-capacity systems and green infrastructure solutions like rain gardens, bioswales, and permeable surfaces as necessary since climate-induced rainfall could cost municipalities an additional $700 million annually just to maintain existing stormwater systems. Without immediate upgrades, overall infrastructure costs could rise by 27 percent.
Damerla believes incentives can play a crucial role in encouraging residents to reduce concrete surfaces on their properties and adopt measures such as “rain gardens” to help absorb stormwater and reduce flood risks.
As Ontario moves forward with the amalgamation of its 36 conservation authorities into nine regional bodies, Crombie deems it imperative that those sitting on council must strive to “preserve local expertise, flood forecasting and watershed management, with uninterrupted flood protection throughout the transition”. Experts have called the provincial takeover a “death knell for watersheds” as a result of reduced democratic representation in managing natural resources and an expected spike in local costs.
“Larger organizations must remain responsive to local conditions. Strong, properly resourced conservation authorities working across watersheds are essential partners in protecting Mississauga,” she noted.
Damerla advocated for the City to take a balanced approach to development in its pursuit of meeting the provincial housing target for Mississauga to construct 120,000 new units by 2031.
“Overdevelopment also results in flooding,” Damerla added.
“We have to address the housing shortage but we have to be smart about it, and we cannot be approving things that result in flooding.”
In 2024, Mississauga council voted unanimously in favour of green development standards (GDS) after the guidelines were first set in 2012 under Hazel McCallion’s leadership. The new updates established a three-tiered sustainability framework for new residential and non-residential site plan applications to reduce greenhouse gas emissions and improve energy efficiency.
However, the Doug Ford government steamrolled those efforts after the passage of Bill 17, Protect Ontario by Building Faster and Smarter Act, in 2025, stripping Ontario municipalities of their ability to set independent GDS. In April this year, the province doubled down on those rollbacks through Bill 98, dubbed the Building Homes and Improving Transportation Infrastructure Act, enforcing tighter restrictions on municipal green rules, EV parking mandates, bird-friendly glass requirements and green roof bylaws under the guise of spurring housing development and lowering construction costs.
According to the province’s housing tracker, those drastic legislative changes have done little to put more “shovels in the ground”; In 2024, Mississauga was behind its target with 3,496 homes completed against an annual target of 10,000—meeting just 34.96 percent of its goal.
“Maybe it’s a bit cheaper, but longer term, I think we pay more,” Damerla said.
Instead, she would support expanding passive housing, also known as Passivhaus, a science-based, German building performance standard designed to use 90 percent less energy for heating and cooling, as Mississauga continues to build more homes.
Buildings are the primary source of emissions in the city, and Crombie argues the needle can be moved by improving “the energy efficiency of municipal buildings and incorporating climate considerations into infrastructure and purchasing decisions”.
For Tedjo, building a “more resilient Mississauga” means bringing in funding: “As we plan for more housing and population growth, we must ensure our water and stormwater infrastructure can support that growth without putting existing neighbourhoods at greater risk.”
As the Vice Chair of the Credit Valley Conservation (CVC) Board of Directors, he also wants to expand urban “tree canopy by 30 percent over the next 10 years while creating more accessible green spaces, particularly in the central and northern parts of the city” — building on a sustainability plan he introduced in 2024.
For Lisgar residents, if the torrential downpours of 2024 weren’t enough, the following year brought another source of anxiety: a proposal for a large-scale data centre that could be among the largest data centres in the Greater Toronto Area.
In August 2025, Vaughan-based building consultants, Mainline Planning Services, submitted a Planning Justification Report to the City of Mississauga, on behalf of U.S.-based real estate firm Prologis, seeking approval for a Zoning By-law Amendment and Site Plan Approval to facilitate a proposed two-storey data centre of approximately 220,015 square feet at the northwest corner of Tenth Line West and Argentia Road.
Seven months later, at a Planning and Development Committee meeting, City Planner Connor DiPietro explained that the applicant was seeking to change the property’s zoning from D8 development exception to E2 employment exception zones to accommodate the industrial buildings and data centre.
Since Mississauga’s Official Plan did not include a specific land-use designation for data centres, the proposed facility was classified as a warehousing use.
City staff recommended referring the applications back for further work, identifying outstanding issues ranging from natural hazards and building setbacks to entrance design, stormwater diversion, sanitary servicing, water demand, cooling systems, parking and zoning compliance.
Zoning applications were then unanimously referred back to staff for further refinement and resubmission.
“Whoever turns down Prologis; haven’t seen anybody yet,” Carolyn Parrish said after the vote.
As word spread of the proposal, residents expressed fear and a long list of questions about its potential effects on electricity demand, water consumption, noise, the environment and public health. On June 25, the City held a town hall at Erin Meadows Community Centre, drawing a packed room of residents from Wards 9 and 10 who wanted answers about the proposed development but many left without the clarity they had sought from the City and Prologis.
Amid extensive public outcry, on September 16, Mississauga council voted unanimously in favour of an interim control bylaw (ICBL), assuring residents they were heard “loud and clear” — imposing a one-year pause on new data centre developments as staff simultaneously studied the emerging sector and its impacts in its entirety.
Mayor Parrish chose to abstain from the ICBL vote, citing Robert’s Rules of Order and Bourinot’s Rules, which required her, as chair of the council meeting, to refrain from voting unless her vote was needed to break or create a tie.
During the POLICORNER debate, mayoral hopefuls were asked whether Mississauga should permanently restrict new large-scale data centres: Tedjo and Crombie said yes, while Damerla said no.
“I've been very, very clear that the moratorium is an opportunity to get the guardrails in place, and the biggest guardrails are electricity prices don’t go up, and we have all the evidence we need to make sure that noise is not a problem, and there’s no environmental or health impacts,” Damerla explained.
“So if we are able to put all those guardrails in place, then I am open to considering data centres. But if those issues are not addressed, then it’s a hard no.”
The Pointer asked the mayoral candidates how they would regulate data centre development once the ICBL ends.
“If those safeguards have not been established [after the one-year pause], I will push to introduce strict energy consumption limits to prevent excessive strain on our utilities,” Tedjo said.
“I will oppose any data centre development that increases utility costs for residents. Mississauga families should not be forced to pay higher bills to accommodate large-scale developments.”
Crombie would take the route of seeking “independent expert advice to inform the rules brought forward to Council before the moratorium expires” along with clear rules covering electricity and water use, emissions, cooling, noise and neighbourhood impacts.
“That assessment must include the cumulative effects of multiple facilities, rather than considering each application in isolation,” she added.
“We need to ask whether a proposed data centre represents the highest and best use of the land, what permanent jobs and economic benefits it would bring and whether those benefits justify its demands on electricity, water and infrastructure.”
She aims to ensure development-related costs aren’t passed on to taxpayers and residents have a meaningful say in data centre decisions with clear information about the “trade-offs” on hand. “Canadian data sovereignty and security must be part of that discussion as well,” she added.
Parallel to the data centre debate, the next individual who will be adorning the chain of office, representing Mississauga, might have to deal with the Ford government’s water and wastewater privatization plans—with Peel handpicked as the pilot testing ground.
In November 2025, Bill 60, the Fighting Delays, Building Faster Act, was passed, giving the PCs sweeping authority over how water infrastructure is managed in Ontario.
The Act conferred on the Minister of Municipal Affairs and Housing the power to designate, by regulation, a corporation that is incorporated under the Business Corporations Act as a water and wastewater public corporation to provide water and sewage services on behalf of particular lower-tier municipalities. The corporations would have the “power to collect and impose fees or charges” from users, giving them control over water rates.
It allows the province to regulate the “issuance of shares of a corporation” and “the composition of the board of directors”, raising apprehensions about who owns and controls these entities.
If required, corporations must submit a “rate plan that establishes the rates” charged to users that the Minister can approve, reject or require changes to.
“Our government is piloting a new publicly owned water and wastewater delivery model in Peel Region to save homebuyers money,” Daniel Strauss, a spokesperson for housing minister Rob Flack, told The Star.
“Publicly owned municipal service corporations will be wholly owned by municipalities, not private entities. Our legislation gives municipalities more tools to respond to growth pressures — all while maintaining strong local oversight.”
But legal experts note the government’s claims that the model guarantees public ownership do not hold up under scrutiny.
“There’s nothing in the legislation itself that requires the shares of these corporations to be owned by the municipality that creates it, or own public sector entity,” Goldblatt Partners lawyer and Partner Simon Archer, who was engaged by the Canadian Union of Public Employees Ontario (CUPE) to analyze the legislation, said during a press conference.
“The word public in the name of these corporations does not have any real legal effect.”
Crombie said “essential” water and wastewater services must remain publicly owned and “accountable to the communities they serve”.
“Before supporting a new delivery model, I would want a public comparison of its costs, financing arrangements and implications for household bills against the existing system,” she added.
“I would advocate for open rate-setting, independent audits and clear reporting on operating costs, debt and infrastructure investment…Keeping bills affordable also requires responsible long-term planning. We cannot allow maintenance to be deferred until it becomes an expensive emergency, nor should residents face unnecessary costs arising from restructuring.
Any necessary rate increases should be publicly justified and accompanied by targeted assistance for residents who need it.
Both Damerla and Tedjo also “firmly oppose” privatization; while Damerla is open to working with the province to prevent water and wastewater services from falling into private hands, Tedjo urged Queen’s Park to adequately fund municipal water infrastructure, “without placing additional financial burdens on residents”.
Email: anushka.yadav@thepointer.com
At a time when vital public information is needed by everyone, The Pointer has taken down our paywall on all stories to ensure every resident of Brampton, Mississauga and Niagara has access to the facts. For those who are able, we encourage you to consider a subscription. This will help us report on important public interest issues the community needs to know about now more than ever. You can register for a 30-day free trial HERE. Thereafter, The Pointer will charge $10 a month and you can cancel any time right on the website. Thank you
Copyright 2026, The Pointer. All rights reserved.
Anushka Yadav, Local Journalism Initiative Reporter, The Pointer.
Keep reading
Show less
Do municipal councils represent the diversity of their constituents?
Ontario’s 2022 municipal election turnout fell to a historic low of 32.9 per cent.
Toronto, Mississauga and Brampton are among Canada's most diverse cities, but how closely do their municipal councils reflect the communities they represent?
As voters prepare for the Oct. 26 municipal elections, New Canadian Media has examined the barriers to political representation in these three major cities.
The series explored the challenges facing immigrant and visible minority candidates; the advantages enjoyed by incumbents; the role of campaign fundraising; and debates over the use of languages other than English to reach voters. It has also looked at whether public transit systems are meeting the needs of immigrant communities.
Voter participation remains a concern. In Ontario's 2022 municipal elections, participation fell to a historic low of 32.9 per cent, according to the Association of Municipalities of Ontario (AMO).
Toronto, Mississauga, and Brampton are reporting increased advance voting numbers, although that may not translate into a higher overall voter turnout.
In its Turn up the Turnout report, the AMO suggests the shrinking of the local media environment has had far-reaching impacts on voter participation and turnout.
As part of this coverage, NCM reporter Rodrigo Huerta Aguirre created an interactive map to help readers explore the relationship between local demographics, elected representatives and voter participation.
The map below shows municipal election results from 2022 and subsequent byelections, along with information on councillors, ward demographics drawn from the 2021 census and voter turnout in Toronto, Mississauga and Brampton.
These details offer a closer look at the communities that municipal councils represent, and the residents who participate in choosing them.
The map reveals striking differences between wards, even within the same city. In Mississauga, immigrants made up nearly 60 per cent of residents in Wards 4 and 6 according to the 2021 census. In Wards 1 and 2, immigrants accounted for one third of the population.
Voter participation varied widely across Toronto in 2022, with turnout reaching 38 per cent in Parkdale–High Park but falling to 22 per cent in Humber River–Black Creek.
By placing these demographic figures next to the names and photographs of elected representatives, the map shows how closely municipal councils reflect the communities they serve. The differences in voter participation also raise broader questions about political representation and the barriers to participation explored in NCM's election coverage.
.map-wrapper {<br /> width: 100%;<br /> padding: 16px 0;<br /> box-sizing: border-box;<br /> }<br /> .map-wrapper iframe {<br /> display: block;<br /> width: 100%;<br /> height: 80vh;<br /> min-height: 600px;<br /> border: 0;<br /> border-radius: 12px;<br /> box-shadow: 0 4px 16px rgba(0, 0, 0, 0.1);<br /> }<br /> @media (max-width: 768px) {<br /> .map-wrapper iframe {<br /> height: 75vh;<br /> min-height: 500px;<br /> }<br /> }<br />
Copyright 2026, New Canadian Media. All rights reserved.
Rodrigo Huerta Aguirre, Local Journalism Initiative Reporter, New Canadian Media.
Keep reading
Show less
Ottawa to announce funding for 60 national sport organizations
Ottawa to fund 60 national sport organizations
THE CANADIAN PRESS/Sammy Kogan
The federal government is set to announce funding for more than 60 national sport organizations today.
Organizations set to receive funding include Athletics Canada, Canada Basketball, the Canadian Cycling Association and Hockey Canada.
Secretary of State for Sport Adam van Koeverden will announce the funding today alongside Team Canada athletes and members of Parliament.
A government official says the funding is meant to help organizations expand participation by increasing access, building interest and delivering programming.
The federal government announced plans in its spring economic update to inject more money into Canada's national sport organizations.
That promise came after the Future of Sport in Canada Commission's final report, issued in March, found the country's sport system was facing a "funding crisis" as federal funding had not kept up with inflation.
This report by The Canadian Press was first published Oct. 22, 2026.
-With files from Nick Murray
By Catherine Morrison | Copyright 2026, The Canadian Press. All rights reserved.
Keep reading
Show less
Comment économiser? J'ai arrêté d'acheter ou annulé ces 9 choses pour sauver 392$ par mois
Ça, ça fait 4 700 $ par année! 😱
Une grande partie de l'âge adulte est la responsabilité financière. Il est donc plus que pratique de savoir où et comment économiser sur tes dépenses récurrentes, alors que le coût de la vie donne souvent envie de retourner en enfance. En fouillant dans mes comptes et en demandant l'avis de personnes du domaine des finances dans mon entourage, j'ai fait quelques changements récemment qui m'ont permis d'économiser 392 $ par mois.
Je ne suis donc pas une experte, mais voici mon processus afin que tu puisses toi aussi t'asseoir et trouver des manières de sauver le plus d'argent possible, que ce soit avec tes abonnements, tes soins personnels ou autres, selon tes besoins et tes priorités.
Les abonnements que j'utilise
Chez moi, Netflix, Disney+ et Spotify sont des must. Il ne passe pas une semaine sans que ces services ne soient utilisés, les résilier ne faisait donc pas partie de mes options pour le moment. Cela dit, si comme moi, tu es abonné.e depuis plusieurs années, il est possible que tu n'aies pas trop suivi les nouvelles options qui s'offrent à toi. Avec Netflix et Disney+ par exemple, j'ai réalisé en écrivant un article comparant les plateformes de streaming qu'il serait idéal pour moi de choisir les forfaits avec annonces, qui sont offerts à plus petits prix.
Pour ce qui est de Spotify, j'accepte aussi à nouveau les publicités en annulant la version Premium. Puisque je sauve presque 30 $ par mois avec ces petits changements, pour moi, c'est avantageux. Tu peux donc toi aussi aller regarder quelles sont tes alternatives d’abonnements divers.
Netflix : 6,89 $
(16,99 $)Disney+ : 9,19 $
(13,79 $)Spotify : 0 $
(12,64 $)Économies : 27,34 $
Les abonnements que je n'utilise pas
Je sais que je ne suis pas la seule à me faire avoir par ce genre de situation : tu prends une période d'essai pour un abonnement en te disant que tu vas l'annuler avant la fin de la période et finalement, tu oublies. Et si tu ne vérifies pas minutieusement tes comptes chaque mois, tu peux payer le plein prix durant des mois pour des services que tu n'utilises même pas.
Quand j'ai ratissé mes transactions de carte de crédit, je me suis rendue compte que dans les derniers mois, je trainais 66,43 $ de paiements pour des abonnements que je n'utilisais pas, comme Mon CV Parfait et une application d'entraînement, ainsi qu’un canal de Prime Video que je ne regarde pas assez pour justifier la dépense. Pour les gens à leurs affaires, c’est surement évident qu’il faut regarder ses comptes avec attention, mais pour les autres, il est temps de commencer.
Mon CV Parfait : 0 $
(34,95 $)Sweat : App de fitness femmes : 0 $
(19,99 $)Amazon channel : 0 $
(11,49 $)Économies : 66,43 $
Forfait bancaire
Après avoir parlé avec un ami conseillé financier qui racontait les trucs qu'il donne automatiquement à ses client.es qui cherchent à couper dans leurs dépenses, j'ai appliqué celui-ci. J'ai été vérifier mon forfait bancaire pour me rendre compte que j'avais opté pour le plus dispendieux à 33,29 $ avec les taxes. Cela dit, il n'était vraiment pas adapté au nombre de transactions que je fais ni à mes besoins financiers. J'ai donc changé pour une option qui me convient et ainsi, j'ai 20,70 $ de moins à payer de façon mensuelle.
Forfait Banque Nationale : 12,59 $
(33,29 $)Dépenses personnelles
Pour ce point, il faut connaitre ses forces afin que ce soit vraiment rentable. Personnellement, j'ai toujours eu un intérêt pour l'esthétique et le fait d'apprendre à faire ses propres services. On va se le dire, avec YouTube et Amazon, il est possible de devenir adéquat dans plusieurs domaines et plus d'avoir accès au matériel, j'ai donc décidé de couper dans mes visites pour mes manucures et pédicures ainsi que pour le lash lift qui permet de courber mes cils.
Pour ma part, j'ai remplacé des visites mensuelles chez l'esthéticienne en achetant un kit complet pour faire mes ongles au gel. Celui-ci, qui inclut une lampe UV, plusieurs vernis au gel et des accessoires divers, m'a couté 51,73 $ taxes (donc 4,31 $ par mois) il y a plus de six mois déjà, je pense donc pouvoir faire au moins un an sans avoir à racheter quoi que ce soit. C'est le même principe pour les cils, qui doivent être traité aux deux mois, mon achat de 16,79 $ me revient donc à 2,80 $ par mois en divisant le prix afin de couvrir l'année.
Pour quelqu'un d'autre, il pourrait s'agir du lavement de la voiture, d'apprendre une coupe simple pour sa chevelure, de faire ses propres produits ménagers, etc. Après tout, le temps c'est de l'argent, tu peux donc garder tes sous dans tes poches en investissant plutôt quelques heures de tes temps moments libres.
Manucures et pédicures : 4,31 $
(105 $)Lash lift : 2,80 $
(40 $)Économies : 137,89 $
Commandes sur Uber Eats
Chez moi, tous les vendredis, on commande le souper plutôt que de faire à manger. Dans mon coin, c'est vraiment avec Uber Eats qu'on a le plus d'options et pour ma famille de quatre, les factures varient entre 50 $ et 90 $. Afin de couper un peu dans nos dépenses, j'ai décidé de réduire cette habitude à un vendredi sur deux. En un mois, nous avons donc gardé environ 140 $ dans nos poches.
Uber Eats : 139,11 $
(278,82 $)Économies : 139,71 $
Économies par mois
En faisant ces petits changements, j'ai pu éviter de dépenser 392,07 $ en un mois. Je dois mentionner que ce sont des modifications que j’ai faites au fil de plusieurs mois, tu n'as donc pas à tout faire d'un coup, mais le simple fait de t'asseoir chaque mois pour vérifier où s'en va ton argent et effectuer des ajustements peut faire une belle différence.
Si je maintiens ces habitudes, à la fin de l'année, c'est un montant de 4704,84 $ que j'aurai accumulé ou redirigé vers d'autres priorités. Le résultat sera évidemment différent pour chaque personne, alors n’hésite pas à découvrir ce que ça pourrait donner dans ton cas.