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Haha, I think I spoke too soon about the net worth inertia!  It went back to growing by 0.09%.  I guess that’s better than being $300 in the hole.

I had been checking my questrade accounts throughout the month and was getting ahead of myself, because I was like up $2000 at least compared to the last net worth update.  Then the markets settled again unfortunately and I didn’t really gain much or lose much compared to last month in my portfolio.

I haven’t done any of my holiday shopping yet so this is probably why it looks somewhat decent still.  I plan to tackle it after this weekend.

Okay, so here’s the breakdown for December 2013:

In This Article:


CASH: $58150 (-5.6%)

  • Down a bit this month because of the movement of money to the RRSP’s again
  • I added up my chequing and savings accounts (High Interest Savings Account). I automatically deduct money from my chequing account and have it siphoned to the HISA account (paying yourself first)
  • I have $4800 saved up for my big trip that I hope to do next year.

Non-Registered: $102325 (+0.26%)

  • I think I have been paid out some dividends (weee!) but haven’t had time to actually see which ones they are
  • These are stocks that capture the “moment in time”, including unrealized gains or losses in my BMO Investorline and Questrade accounts.

RRSP: $39,965 (+1.9%)

  • I am pumping up my RRSP contribution to the TD eseries to $1000 per month until the end of the year
  • This includes the pre-authorized monthly contribution into my TD E-Series account, a GIC in my ING Direct Account and a Questrade RRSP account.
  • I am seriously thinking about maxing out my TFSA instead, if I am not able to max out on both (read my TFSA vs RRSP great debate over here) from now on, as I will expect to have defined benefit pension when I retire.
  • I’m not including my defined benefit pension which is >$32,000
  • I paid off my RRSP loan to myself this month…. because I used the Home Buyers Plan for my down payment.

TFSA: $37515 (-0.01%)

HOME: $272,000

  • My plan is to live in this for 1-2 years and then rent it out once I find my prince charming (haha…right?)


  • I am not counting this in my net worth, because it’s 13 years old.
  • I have started a separate ING bank account for a future car


Credit Cards: $780

  • The problem with not having Mint.com is that I can’t see my credit card spending as easily so I ended up resorting back to the Mint.com account but I only added my credit card (this is helping a bunch so that I can keep track of my spending)
  • I’ve redeemed over $500 already this year with my MBNA Rewards World Elite® Mastercard®
  • I’ve used my new Amex Aeroplan card twice so far.
  • I pay off my full amount every month (and folks, it’s VERY important you do so otherwise you’re losing out on a 19% return!) but include it in my net worth update so I have an accurate picture of my actual net worth. I sort of think “If I were to sell everything right now, what would my net worth be?” I guess I shouldn’t put it in the liabilities column since i pay it off regularly, BUT in mint.com it’s under the liability column so I’ll do the same.

Mortgage: $186360 (-0.3%)

  • My intent is to rent it out in a little while (see above). In order to offset future rental income, I chose to acquire a mortgage instead of paying for the majority of the condo.

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