No sorry I should have been specific. The vehicle isn't coming from Canada it will be provided upon arrival. As for spending habits we try to travel twice a year. We are not extravagant people. I don't shop a lot. We do go out to eat once a week. I will however look into classes for my son, like swimming or musical lessons but that is about it. As for memberships to clubs thats a no. We will not be paying any utilities. Ad for schools are children are 2 and a new born so we don't to worry about schools although it is 100% covered at age 3.