Oh dear, I think I spent a lot last month even though I did do it yourself gifts for most of my friends.  I guess it was family presents that got the best of me, but seeing my sisters’ eyes light up with happiness with their presents was pretty priceless.  I didn’t go all out with their presents of course, but spent around $75 for each of their presents.

I also spent $1700 on a last minute trip down to an all-inclusive resort (my first time ever!  I am lucky I didn’t turn into an alcoholic, I definitely drank 3-4 drinks per day though hahah).  It was one of my resolutions to in 2014 to spend time with my family and I guess I got a head start.  I’ll write a post on it soon 🙂

So, I am trying to control my spending for January because it is getting a bit out of hand!  No more shopping for me in January.  I bought a waterproof running jacket from the Lululemon outlet for $160- definitely a lot of money for a jacket but I guess it’s cheaper than a $40-50 monthly membership for a yoga pass!

Okay, so here’s the breakdown for January 2014:


CASH: $57330 (-1.5%)

  • Net Worth UpdateDown a bit this month because of the movement of money to the RRSP’s again- I have reduced it back down to $200 a month contribution
  • 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: $102260 (-0.07%)

  • I bought CLF on a limit order but to be honest I got confused about what I was supposed to buy haha.  I think I need to revisit my non-registered plan again.  The notes in my little book I keep aren’t making sense.
  • These are stocks that capture the “moment in time”, including unrealized gains or losses in my BMO Investorline and Questrade accounts.

RRSP: $41,600 (+4.1%)

TFSA: $38,350 (+2.2%)

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: $3740

  • 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 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 mint.com it’s under the liability column so I’ll do the same.

Mortgage: $185,870 (-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.