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Weee! I made it over $350,000 (celebration belated for a month I suppose but better than nothing).  It wasn’t looking very good for a while but the markets picked up a bit and I made some stealth moves with COS.TO (Canadian Oil Sands) so that was pretty good (see below in the TFSA section on the play-by-play).

As you know my goal for last year was $350,000 net worth and I was off but quite a bit last month but redeemed myself.  For 2015 my goal is $385,000.  I think it will be difficult but we will see how I fare.

Okay, so here’s the breakdown for February 2015 ($353, 750): +2% +$6900

In This Article:


CASH: $23,335 (-10%)

Net Worth Update

Non-Registered: $119,325 (-0.1%)

  • This month I’m mainly down in my CPD shares, otherwise, my non-registered is looking okay.
  • These are stocks that capture the “moment in time”, including unrealized gains or losses in my BMO Investorline and Questrade accounts.

RRSP: $54, 514 (+7%)

TFSA: $47,700 (+16 %)

  • I maxed out my TFSA for 2015
  • HSE.TO made a nice comeback and I’m still in the positive
  • COS.TO (Canadian Oil Sands) really really hurt for a bit then I bought 200 more shares at around $6.30 and then I just sold 300 shares so now I just have 100 shares at around $10.00.  I don’t usually do this (trade so quickly) but it’s a little too much exposure in my TFSA portfolio for my liking.
  • Check out my dividend income spreadsheet!
  • One of my to do tasks is to track my dividend payments in an excel spreadsheet
  • Watch out for TFSA over contributions, guys, the CRA will get you for every last penny.
  • I signed up for a Tax Free Trading Account with Questrade in 2009 and haven’t looked back!

HOME: $272,000

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

CAR: $17,000

  • I bought a car (so painful to part with money but am really enjoying the fuel economy and hatchback-ness)
  • I will update it annually with the Canadian Black Book price in July 2015
  • I used a conservative estimate of the car, no CBB price for 2014 models yet


Credit Cards: $2885

  • I applied for the CIBC Infinite Visa Aeroplan card and in the goal of travel hacking my way to trips and have been using it for a few months.
  • 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 $650 last 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: $177,200 (-0.5%)

  • I’m planning to do a monthly double up payment and maybe pay it down with my tax refund.
  • 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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