> I used to think that I overspent. That my groceries could have been cheaper. That I could have eaten out or traveled less. Then a few months ago, I went on No

> I used to think that I overspent. That my groceries could have been cheaper. That I could have eaten out or traveled less. Then a few months ago, I went on NomadList and found out that the average living cost in Montreal is $3,750/mo. Considering that I spent the first year in Ottawa/Toronto, where the cost of living is even higher, my spending habits turned out not that bad after all. I’m not just average — I’m slightly better! This philosophy may not be ideal for your circumstances. You already knew you had limited funds and no income. "Slightly better than average" is overspending.