With Or Without Consultant: Your Choice

Did we get the service of a consultant after getting a free assessment on 20 April 2015?

Honestly, we do not have a liquid cash to cover our settlement fund at the time we did the assessment. That is why we did actually opted to get their service because of PMS' promise to lend us the amount of Php700,000.00 (rounded), the settlement fund required for a family of 2. Great isn't it but wait until you actually get the breakdown of our expenses once we hire a consultant under their premium plan. Here is the breakdown:

PMS' professional fees alone are a headache as detailed above. These professional fees by PMS are separate from the government fees required by the Federal Government of Canada once an Invitation to Apply is received. It is also separate from the expenses to be incurred in getting the basic requirements in the Express Entry, the International English Language Testing System (IELTS) and the Educational Credential Assessment (ECA).

Thus, in 22 April 2015, after reading forums, which my friend Google gave me, in Pinoy to Canada (P2C) website and Canada Visa website plus a Pinoy Blog from fellow forum member in P2C, my husband and I decided not to get the service of PMS and just process and apply on our own.

Below is a comparative breakdown of expenses, with a consultant and/or the do it your own, we made showing expenses incurred and to be incurred:

Please note that the actual amounts above are based on our actual experience being that we engaged the free assessment of PMS. Moreover, we are not here to discredit a consultant's services but just showing how to be practical in our application for permanent residence in Canada because this entails a lot of money. Of course, anyone can always get a consultant provided you have extra money to pay them. In our case, we do not have. If ever we have extra money, we might as well use them for other expenses we might incur in the future.