Tag Archives: Christmas

Merry Christmas!

25 Dec

Merry Christmas Everyone!

Usually on my days off from work, I like to snooze in bed till later in the morning.  But I didn’t sleep in today as I am hosting my first family dinner!  Best to have everything all prepped ahead of time, so there won’t be any last minute rush!  I cleaned most of the morning away and tidying up.  Now, I have ample time to sit back and relax before starting the side dishes.

What’s on the menu?  Pot roast in the slow cooker for 10 hours, it’s cooking right now… Almost half way through.  Pre-marinated our wings the night before, so all I have to do is pop them in the oven.  For our sides, we have corn, mushrooms, tomato & avacado salad, yams with stuffing and gravy!  Voila, it’s a full on feast!

This past year has been good to me.  I recently got engaged, I went on a Mediterranean cruise and Costa Rica, I received a windfall, and I got a nice bonus from work… Everything seems to be falling into place!   My stocks are at their all time highs!  And I don’t even have to liquidate any of my stocks for the down payment for my upcoming condo!  But I need to find a way to pay my 0% balance transfer from MBNA back $11,500 by September 2014.

For 2014, I’ll be taking on a mortgage.  Monthly payments will be 30% of my take home income.  My amortization is 35 years and I am paying the absolute minimum.  But I plan of making lump sum payments to pay this bad boy off.  I hate throwing money away to fees and interest.  I hope to find a good tenant that will help out with the mortgage.  On top of the mortgage, there will be monthly occurring expenses like strata fee, insurance and property tax.  All that needs to be accounted for.

I would love to max out my TFSA for 2o14, but looks like I’ll just have to play with the money that I have in my TFSA already.  No more new money will be funneling to my stock portfolio.  But I might add some money to my RRSP as I don’t want to pay taxes to the government, dreaded CRA!

My goal for 2014, I want to be more accountable for my trades.  I need to set up a system to track my profits and losses.  I want to trade more on my Virtual Brokers margin account.  Right now, I am using $10k in margin.  I need to be more bold in my trades meaning putting more capital into ONE stock, of course, I’ll be watching it like a hawk!  One wrong move can be quite costly.  That’s the only way for me to leverage myself to more gains!  To be continued.

The only reason I am so aggressive with my money is that I do not make a whole lot of money at work.  By saving and investing, making smart decisions, I can increase my net worth at a more rapid pace than just sitting idly by watching the rat race.

I do not hold any bonds, EFTs, Index or Mutual Funds.  I am purely a stock girl!  Stocks all the the way for me and a little investment property.





Opps.. spent too much this weekend!!

15 Dec

Friday, I got some me time.  That’s right, I headed straight to the mall to eat at the food court.  Super hungry as I had only a dollar samosa for lunch. I ordered rice noodles with battered chicken for $5.76.  Cheap considering everything else at the food court.  I had it in a take out box just in case I couldn’t finish it, but the portion they gave me was minuscule compared to the dine in plate so I just finished the whole thing anyways.

My shopping list isn’t big.  I looked around the mall and bought some gifts.  I crossed off a few from my list.  Later, I filled my prescription and paid up front. But I’ll get reimbursed for it from my health spending account.

Come Saturday, I went in to get my oil changed. They recommended that I get my tires rotated and my brakes checked for extra $60.  Turns out that I have to get my brakes changed and that gonna cost me $500+. Looks like I ran them down pretty good.  I am still putting that on back burner till I hear the squealing brakes lol!

Then I got some place mats for my dining table and Kleenex tissues that were on sale.

This year I got a Xmas bonus gift from my company so I bought a dining set.  For the past couple years, we have been eating on our coffee table in front of the TV.  Last week, I picked the set up from sears. The last leg to the table did not fit the intended screws and two of the wooden chairs were chipped or scuffed up.  So I am still waiting for the replacement leg and chairs.  How disappointing to have new dining set that is of poor quality.

Anyways, I was swipe happy this weekend to the tune of $375 but that’s with oil change/rotate tires, gas fill up, groceries and reimbursable prescription in addition to gifts and household items.  That’s okay right.  Quite conservative??

Oh but I got a $100 bonus from my part time job so that would lessen the blow 🙂

Snow is falling lightly…

10 Dec

Indicating that Christmas is just around the corner.  Tis the time to bust out your wallet/purse for gifts.  Luckily for me, I don’t have a big list of people that I have to buy gifts for.  In turn, saving me the headache of gift hunting and money!  I hate buying gifts, cuz I never know what to get!  Unless, they ask for it.  I think that’s the best way of buying gifts is when people give you a shopping list to buy from!  For my niece, my sister told me to get her Frozen Princess from Disney Store.  Bam, done!  I also got her an interactive Minion for her, cuz she kept on playing with my MCD Minion collection.  I can be generous if I choose to be.

Buying gifts are a waste of money.  Christmas is just another commercial holiday to make the masses spend more money from decorations to parties to gifts.  Most of the time, you’re just making a big guess as to what the recipient would like for a gift.  You’ll probably end up buying something that might just end up collecting dust.  

I received a Kobo Reader and Electric Toothbrush from my BF.  They’re really nice gifts and all, expensive too… but knowing myself, I won’t USE them.  So I made BF return the gifts, so I ended up with nothing!!  But at least, I know his money isn’t spent on useless stuff.  It kinda made him feel bad, but it’s the thought that counts.

Not to bring down Christmas and all.  That’s just what I think behind it.  Sometimes, I feel like a scrooge.  Bah hum bug.


Tis the Time to be Festive!

24 Dec

Today is the last official day I work for 2012!  Well, at least for my full time job.  Finally, I will get a week long break for the holidays.  Three of the working days will not be paid.  They will be taken out of my vacation pay.  It`s forced upon me, but I welcome it.

The commute this morning was a breeze compared to other work days.  Looks like a lot of people are taking today off to prepare for tonight`s festive dinner!

I took the train downtown to go to CRA head office (work related).  People seem to be more friendlier than usual.  Smiles on their faces.  Couriers running around with their packages for that last minute deliveries.

It`s a slow day at work.  Hopefully, they`ll let us out soon enough.  But I doubt it.  Work horses!

Way over budget for this month with all the gifts and extra expenditures I have indulge myself in.  Fortunately, I got a bonus from work… even from my part time job to lessen the burden of paying back the bills.

For 2013:  I plan to track my expenditures more carefully.  Make smart decisions for my investments.  Save as much as possible to make a sizable down payment for my new condo that`s coming up in a year.

Merry Christmas and wishing you all a happy new year!

Shopping Spree!

9 Dec

December is proving to be a bad month for saving already! Tis the season to spend!  It’s not even 1/3 into the month yet… how are you all coping with your holiday shopping?

Gulp, I just drop a few bills in the past week!  Honestly, I am not a big spender at heart.  Sometimes, I feel like I should splurge once in a while to reward myself.  Maybe I shouldn’t have gotten tickets to Cirque du Soliel, but I want to see it over the holidays in a tent.  That’s something I haven’t done before and would like to try out.  I’ve been to Mystere in Vegas, honestly I wasn’t that impressed with that particular show.  So I am giving this another shot!  I’ve heard rave reviews, so I am excited to see the spectacle of the raw talent some people have.  Now, I just have a couple more gifts to get and I’m done!

My new job gave me a Christmas bonus!  With a budget of $500 to spend on myself, I had a hard time deciding what I wanted.  Here is what I got eventually:

  1. Firefly Classic Jael Insulated Jacket- $100.79
  2. Nexus 4 16GB- $421.11

Gift for others:

  1. Hoodie & Shirt- $15.00
  2. 2x Tin Cans assorted Purdy’s Chocolates- $33.54
  3. “Amaluna” by Cirque du Soleil- $128.00 for two tickets (Partial gift)
  4. PS3 Game- $55.99

Stuff for myself:

  1. Cannon All in One Printer- $40.87 (for those just in case situations)
  2. Puma Asha Women’s Sneakers- $71.12 (last couple of runners I got, I was unsatisfied with my purchase afterwards)

Eating out:

  1. Snifiki Greek Restaurant w/BF- $29.08