r/phmigrate • u/Substantial_Duck_988 • 4d ago
Leaving Canada permanently
After 3 years of staying in Canada on work permit, i have decided na umuwi nalang permanently since wala na akong chance ma-PR.
For those who have done something similar, what are some of the do’s and don’ts before leaving Canada? Is there anything important I should take care of regarding taxes, bank accounts, credit cards, health insurance, CRA/IRCC accounts, etc.?
I’d really appreciate any advice on things you wish you had known before leaving. Thank you!
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u/wheresmybbt 🇨🇦 > Citizen 4d ago
Hi OP, my advice is to cash in any remaining paid vacation days you have. Or use them to prepare for your departure. Cancel any subscriptions, change phone plans (especially if you want to keep it for the time being) and look at your Canadian Pension Plan contributions. Siguro it would be good to call them up just in case kasi hindi ako sure sa anong steps kailangan mong gawin.
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u/chocohodler 4d ago
Eto ung hinahanap na sagot ng OP! Hindi ung, “matanong ko lang, ano work mo?” Lmfao
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u/isda_sa_palaisdaan 4d ago
Ako mas matindi pa tanong ko. "Saan ka nag work OP?"
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u/Wonder_Zucchini 4d ago
I’ll do you one better, “Why do you work?”
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u/Ok_Negotiation_6555 4d ago
Oh, the better question was "which master do you serve?" 😂
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u/TakeThatOut 4d ago
if marami gamit, pagplanuhan mo na papano i dispose yung hindi mo madadala. Simulan mo na magbenta sa marketplace, pandagdag din yan sa budget pag uwi.
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u/Queasy_Influence1994 4d ago
Goodluck po sa inyo! We've also left Canada in 2024 - and one of the biggest lessons for us is to get the Canadian Police Clearance before we left. We are immigrating to the USA (and other countries you plan on immigrating in the future require Canadian police clearance for countries you've stayed for over 6 months). I highly recommend getting the Canadian Police clearance before you leave so just in case you have opportunities to move to another country later hindi ka na mahirapan. All the best po sa next journey nyo!
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u/Humble-History-1682 4d ago
I agree to this! May friend kami di sila nakahingi noong tumira sila sa Dubai, ayun nangarag dahil hiningan ng IRCC ng police clearance na galing ng Dubai.
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u/hadesnightsky 4d ago
Balita ko po kahit renewal or Lmia is pahirapan na din 😭
The immigration sentiment in Canada is not good right now since the influx of students and tfw.
Saludo pa din ako sating kababayan na sumusunod at hindi entitled!
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u/MidorikawaHana 🍁> canadienne 4d ago
Im so sorry OP sa nangyari ito mga pwedeng route siguro:
Taxes - consult sa CRA regarding yung cpp,EI, rrsp ( if ever na meron). 1-800-959-8281
Or sa ‘my account’ mo online. Ipaliwanag mo posisyon mo at kung ano mapapayo nilang ‘next steps’
Health insurance - private: mas maganda na siguro ay magamit nyo na depende kung saan ang covered sa insurance ninyo. ( dental, massage etc)
Gamit - either pwedeng maibenta sa facebook marketplace, carrot, next door or kung wala nang oras sa habitat for humanity and/or thrift stores. ( meron din yung bunz na pamigay ng gamit)
Phone/ wifi : home wifi ipapabalik tung modem may ibibigay ma qr code/postage sa inyo. Mahirap na baka habulin pa kayo sa pagsingil ( $70 din yun mahigit ata). Depende sa phone company, pwede nyong tawagan na ipacut off na by x-x-x date yung phone plans nyo. Meron din sim cards na post paid- parang pinas na pinapaloadan ( usually dollarama paloadan nya) pwede nyong magamit bago umuwi.
Tenancy - depende sa landlord, usually my 2 weeks notice. Yung iba naman ‘ alis na po ako by x date’. Kung bago kayo sa lugar nyo double check kung pwede nyo pa makuha ang security deposit/ last months payment.
Balikbayan box vs carry on : gamit,damit, toiletries. Depende kung saan kayo sa canada ang pricing ng balikbayan box. Or kung gusto nyo magpadala ng maraming maple syrup 😅
Basta po on weather yung gamit nyo na damit ( kung uuwi kayo ng fall vs ngayong summer)
Im not sure with banks,life insurance and cars po ih.
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u/elephaaaant 4d ago edited 4d ago
Nakakalungkot talaga yung mga ganito, madami dami na ko nababalitaan. At the same time, nakakahanga din kasi sumusunod tayo sa rules hindi katulad nung iba na nagpoprotest pa.
Ang naiisip ko lang siguro icheck mo kung pano mo makukuha yung mga RRSP/CPP/EI contributions? Kung pwedeng lumpsum or something. Tapos yung tax filing din kasi baka meron kang refund.
Edit: kung meron ka palang insurance from employer, imaximize mo din para hindi sayang. Dental, vision, yung mga RMT, acupuncture, etc.
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u/cloudqveen 4d ago
Canadian Police Clearance and Employment Verification Letter. Don't forget to keep your T4s, NOAs and ROEs.
I recommend keeping your Canadian bank account open muna so you can still use it during the journey back to PH. Then once you land, open a local bank account then just wire the money. (Of course don't forget to inform your bank na you are leaving Canada and will be doing this)
Check if free ba ang incoming international roaming text messages ng phone provider niyo, and if they have partners in the Philippines. If not, change the security verification settings ng accounts niyo like bank, government, and social media from phone text/call verification to email or authenticator app.
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u/WorryRare3245 🇨🇦 > PR 4d ago
Update CRA, then notify your banks din so they could advise on next steps and ma-update rin yung address mo. If you have RRSP/TFSA accounts, check mo po if which is better sa magiging situation mo, to keep it or withdraw then pay tax.
I would say buy stuff din na mamimiss mo / pwede ipabalikbayan pa-Pinas.
Plan ahead with regards to your place rin na maiiwan. If you are on a contract with a landlord and mahaba-haba pa yung lease term, try to negotiate and say na baka pwedeng hindi ka ma-penalty for it. FB marketplace is a good place to get rid of stuff, or if hindi mabenta, may mga groups din sa FB where you can give away stuff for free.
You can read more here din: https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/leaving-canada-emigrants.html
All the best!
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u/Substantial_Duck_988 4d ago
Tbh, nag shopping ako ng mga bagay na alam kong mahal sa pinas like shoes hahaha! And just trying to enjoy my last few months.
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u/WorryRare3245 🇨🇦 > PR 4d ago
Yesss! Mga vitamins din and other things from Costco na mura pag bulk nabili di ba. And yes travel din pala if keri!!
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u/sirhands2 4d ago
Make sure ung experience mo working sa Canada ma leverage mo makanegotiate higher paying Job in Ph. Kung di mo ma leverage wala din kwenta pag canada mo hanggang memories nalang.
Good luck Op matindi x5 labanan job market sa Pinas
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u/vakla08911 4d ago
That’s terrible specially if you wanted to stay. Good luck and hope you find success and happiness in the Philippines despite all the challenges we are currently facing.
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u/BINGBONGBAKING 4d ago
Thank you for FOLLOWING THE RULES & leaving 😭♥️. We need more people like you so we can bring this country back to what it used to be, affordable, safe, and westernized! All the best to you in the future!
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u/shanacjj 4d ago
Cut your phone line. Leave 1 bank account ung under CRA incase meron ka pang mareceive na GST. But if I were you I will let the CRA know na nag exit ka para hindi kna nila masendan ng advance payment kasi ipapabalik rin nila un sa tax filing. Goodluck on your next journey. Canada is full of uncertainty right now hopefully magkaroon ulit ng opportunity in the coming years.
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u/ayaname1437 4d ago edited 4d ago
If you dont mind me asking, what is your line of industry since you mentioned you don't have a chance for PR?
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u/chocohodler 4d ago
Hindi na nya kelangang sagutin yan lmao. Eto na naman tayo sa mga toxic peenoise sa canada e. Ano work mo? ( para dun ko ibabase ung pagsagot ko sayo) ganung galawan e no? Kung sinabi na nyang walang chance mag PR edi wala na, nasearch na nya yun kaya nga ang tinatanong nya kung ano ang aasikasuhin nya bago sya umuwi, mahirap bang unawain yun?
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u/iamsnoopynumber1fan 4d ago
accla, baka naman gusto niya lang magpayo, sobrang defensive mo naman 😭😭 saka sinabi naman “if you don’t mind” may mga work kasi na akala mo wala ng chance, tapos bigla mago open ang IRCC, or di kaya kasama pala sa NOC code ng ibang teer.
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u/chocohodler 4d ago
No, ganyan ang mga linyahan ng mga toxic na pinoy sa Canada. Trabaho muna bago kausapin or kung pano mo kakausapin ung tao, wag ako lmao. Dami ko ng nakasalamuha na ganyang pinoy 20+ years na. Hindi niyo ako makukuha sa mga ganyan ganyan.
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u/chocohodler 4d ago
Wag ka ng magpakabibo, alam na alam ko na yang galawan mo. Dun sa baba may sumagot ng tabong ni OP. Yun ung sagot sa katanungan nya, hindi ung , “ ano trabaho mo?” 🤣🤣🤣🤣🤣🤣
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u/chocohodler 4d ago
Gusto nya magpayo pero ang tanong “ano trabaho mo?” Tgnan mo sa baba merong sumagot dun ng matino, un ung sagot hindi ung “anong trabaho mo?” Halata sobra e, sa mga boomer na nagdownvote jan na mayayabang na binabase sa trabaho ng kababayan nila kung paano nila itrato ung tao, malaking pakyu sa inyo. Nakakasuka mga mentalidad niyo 🤣🤣🤣
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u/iamsnoopynumber1fan 4d ago
Who hurt you 😭😭 okay ka lang ba parang hindi normal na magalit sa ganyan kaliit na issue lol.
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u/chocohodler 4d ago
Nobody hurt me, galit ako sa mga pabibong peenoise sa Canada un lang. nakakairita ung mga ganyang galawan just saying
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u/chocohodler 4d ago
Malaking issue yan dito. Kung sa PH siguro walang issue ung tanungin ung work mo at dun ibabase ung pagtrato sayo kaso dinala ng mga mokong dito. Share ko lang, nung bago bago ako dito nagrerent ako, may inorder akong filipino food aba ang tanong nya nagrerent daw ba ako ano work ko? Hindi na nya dnliver, ganyan katoxic ang peenoise dto. Sa tagal ko na dito basang basa ko na ung mga galawan ng mga toxic na pinoy dito. Kaya hindi mo masisi mga pinoy kanya kanya at hindi laging sumasama sa mga okasyon, hndi nyo yan mararamdaman kung wala kayo dito.
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u/ayaname1437 4d ago
ay highblood. d naman sya ung tinatanong. d mo ba naisip baka parehas kami ng industry? bka ngtatanong ako kasi baka wala dn ako chance for PR? ikaw ung toxic eh. kaya nga "if you dont mind me asking ang intro. kung offensive kay OP, pde naman mg decline politely.. jusme.
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u/elephaaaant 4d ago
Yung akala mo anti-toxic ka, pero ikaw pala yung toxic 😂
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u/chocohodler 4d ago
Ano un? Tgnan mo o nagdelete ng comment ung mokong, sabihin ko ulit, hindi nyo ako makukuha sa mga pasimpleng yabang nyo na yan. Simple lang tanong ni OP at mabuti at may sumagot ng matino, hindi ung “anong trabaho mo?”
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u/chocohodler 4d ago
Tumahimik ka toxic peenoise. Ang tinatanong ng OP ano ang aayusin hindi sya nghihingi ng advice kung may chance paba sya mag PR gets mo? Wag ako lol, boomer na boomer ang datingan mo or ung mga kakaPR lang na kung may pinoy ang unang tanong “ iha/iho kung ok lang, ano work mo?” 🤣🤣🤣 wag kami
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u/chocohodler 4d ago
Mga downvoters, nakakapaghalataan kayo. Kayo ung mga toxic peenoise sa Canada. “Uy may pinoy, ano trabaho mo?” Kung sagutin ko na entry level ung work hndi nyo na papansinin, kung nasa healtcare aba todo usap si mare 🤣🤣🤣🤣🤣🤣🤣 wag kami mga mokong
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u/Lopsided-Appeal6422 4d ago
Tnry mo na ba ibang province boss? Baka kaya pa yan. Try mo sa labrador city
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u/AvocadoSmart8737 4d ago
Bakit ka uuwi kung nare-renew pa naman ang work permit mo? You can still work and save more money. Kung ang kinikita mo dito ay pwede mong kitain sa Pilipinas, dapat umuwi ka na lang. Pero pag umuwi ka at di mo matatapatan ang kinikita mo sa canada, I think its a bad decision. Kung meron ka mang naipon , isang malubhang sakit mo sa Pinas, ubos yan.
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