Monali and her spouse, Nitish, met while working at Hydro$-$Quebec, Monali earns a gross annual salary of $$120,000,$ while Nitish earns $$115,000.$ As of March $6,2025,$ Monali has provided the following information:

Monali and Nitish, who have January birthdays, celebrated with a trip to Quebec City. Monali is $29.$ and Nitish is $30.$

They are currently renting but have had their offer accepled $($and now ownl'$)$ a condo in downtown Montreal valued at $$500,000.$

Nitish has a Tax$-$Free Savings Account $($TFSA$)$ with a market value of $$10,000($contributions of $$7,000$ made in $2024).$

They have one car worth $$30,000($with a monthly car loan payment of $$500$ for a lemaining car loan of $$12,000)$

Hydro$-$Quebec will withhold Federal and Quebec taxes, plus source deductions of $$33,000$ from Monalis gross annual salary, and $$31,000$ from Ntish's.

If this offer goes through, they have been told that the monthly morigage loan repayments would be $$2,945($this includes the mortgage loan insurance$).$ Heating costs would be $$200$ a month, annual municipal property taxes of $$4,000,$ and monthly condo fees of $$300$

$$ Calculate their disposable income

$$ monali has never contirbuted to her tax free saving account how much can she contirbute as of march $6,2025?$ Consider carryforward contirbution room.

$$ how much can nitish contirbutes to his tax free sahing accounts as of mardh $6,2025?$consider carryforward contirbution room.