March 2015 Net Worth Update: $355,600 (+0.5%)

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Well this month was a little anticlimactic.  The markets were pretty flat.  Not much of a gain compared to last month, but I did spend some time on vacation this month for two weeks and managed to still be in the positive, so that's not too bad.  My goal is to have a net worth of $385,000 by 2016 or $400,000 including my pension.  I'm just under $3000 left to go if I include my pension and have under $30,000 to go if I do not include my pension.

So far, in 2015, my gains in my investing portfolio is 2.13%.  How is your portfolio doing?

Okay, so here’s the breakdown for March 2015 ($355, 600): +0.5% +$1860


CASH: $22, 870 (-2.1%)

Net Worth Update

Non-Registered: $119,225 (-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, 940 (+0.8%)

TFSA: $47,510 (-0.5 %)

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: $1870

  • 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 is that I can't see my credit card spending as easily so I ended up resorting back to the 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 World Points World 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 it’s under the liability column so I’ll do the same.

Mortgage: $176, 070 (-0.7%)

  • I'm doing an extra payment per month and will 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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Young is a writer and former owner of Young and Thrifty and the main "twitter' behind Young and Thrifty's twitter account. She lives in Vancouver, BC and enjoys long walks on the beach, spending time with her anxious dog, and finding good deals. If you like what you read, consider signing up for email updates.


  1. Ben on March 9, 2015 at 11:02 pm

    Why do you have any funds in a non reg acct if you have TFSA/RSP room?

  2. Young on March 14, 2015 at 11:24 am

    @Ben- I don’t have TFSA/RRSP room 🙂 (well, need to figure out how much I can contribute to my RRSP this year first)

  3. The Money Spot on March 16, 2015 at 5:25 am

    How long have you had money sitting in cash in your TFSA? Also have you decided what you are going to invest the $8000 in yet. I am interested to see what you decide and how it will affect your annual dividend income.

    Thanks for sharing and congratulations on increasing your net worth!

    The Money Spot

  4. Young on March 18, 2015 at 11:51 pm

    @TMS- not that long 🙂 Well.. maybe 1-2 months. I have about $5500 in it now as I bought more REI.UN.TO and ESI (from what I can recall).

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