youngandthrifty April 2014 net worth update $332,100 (+0.8%)

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Since last month, investments that I have purchased have been doing pretty good already (everything in the green, woot!).  CPD which was not doing very well also picked up and I am in the green again.

I am already in vacation withdrawal and it seems so far away.  I had all these plans of cooking and recreating the foods I made while in Thailand and so far I have made none of them.  Guess that's always the case, eh?

Recently read an article in the Province (which has spawned a heated reddit thread) about a couple in Vancouver who live “young and cheaply in Vancouver” and spend under $250 on groceries per month and they don't eat out (apparently they are vegan), who earn $54000 annually in after tax dollars combined, and they travel internationally twice a year at $7500 per person AND are set to retire in their mid-30's!  Passive income all the way, eh? I wonder how large their investment portfolio is 🙂  Talk about putting your money where your values are 🙂

My friends and I were talking about how much we spend eating out, and $200 seems like quite a large amount to be eating out… but I just found out my number is even higher.

I am pretty proud that this month my spending hasn't been too ridiculous.  I spent just under $200 in March for groceries, but I did eat out a few times.  The amount didn't seem very much but I just added it up and it was $325!  Jeebus that is quite excessive! I did take my parents and sisters out for dinner though and treated my boyfriend a few times (we alternate).I think I live a pretty balanced lifestyle, I don't restrict myself eating out but I don't get at $50 per person places regularly.What's your going out for meals number?

Okay, so here’s the breakdown for April 2014 ($332, 100):


CASH: $57110 (+2.7%)

Net Worth Update

  • 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 this year.

Non-Registered: $98790 (+0.6%)

  • I moved $5500 from my nonregistered cash to the TFSA
  • These are stocks that capture the “moment in time”, including unrealized gains or losses in my BMO Investorline and Questrade accounts.

RRSP: $44, 220 (0%)

TFSA: $44 900 (+0.5%)

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 14 years old.
  • I have started a separate ING bank account for a future car


Credit Cards: $720

  • 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 $250 already this 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: $184180 (-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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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. bilal on April 10, 2014 at 12:17 pm

    why do you not include your pension of ~$32000?

    i’ve started tracking networth as well, and am wondering if this should be included or not.

  2. Derrel Plackner on April 13, 2014 at 4:04 pm

    Teacherman mentioned on the ‘I hate Investors Group’ thread that he has posted comments/information about Corporate Class funds. Where may I find this info.?
    Thank you,

  3. Kyle on April 14, 2014 at 11:18 am

  4. Young on April 18, 2014 at 7:37 pm

    @bilal- Oh, just for the simple reason that when I started, I didn’t include it. I do try and keep track of it for my own progress though. I would recommend including it for yours 🙂

  5. tom liu on March 7, 2016 at 10:38 pm

    I may have missed something – so how did you have $150K less in Nov 2013 – like, how did your net worth hump so much in a little over a year

  6. Young on March 8, 2016 at 1:25 am

    @TL- In 2012 November I had joint ownership of a house, it was sold in 2013 hence the increase in net worth.

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