Where have you been? Did you die? (And what happened in 2019…)

I last sat at this desk, pumping out a blog about my spending, seeking some odd validation of how good I was at saving money. After I published that post, I sat back, exhausted. Was this blog making me happy? Do people even care?

I know some of you do. I’ve received kind messages since I self-instituted a cone of silence. People asking when I would post again, or if I had died. So no, I am not dead, I am still here.

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February 2019 Financial Update

Feb 2019

February in Toronto frankly has been appalling. Several winter storms. Freezing cold. Limited daylight.

But I suppose the upside in all of this is that being kept indoors really limits your chance to spend money unnecessarily. This February, I spent a low-spending record of $1846.53 for a savings rate of 75%! Here’s what that looked like:

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We Bought a House (Almost)

Should you buy a house

I’ve been so positively anti-home ownership for the longest time. I write about how it’s a thing your parents tell you to do with no understanding of today’s reality or how I’d rather buy a good mattress instead. I’m so anti-house, I laugh at those spending hundreds of thousands on dinky properties within the city.

Until I fell for one.

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January 2019 Financial Update

Untitled

A very late update – but I’ve been ultra-busy. New job, new hobbies (I blame you free Xbox I won from work!) have kept me away from reflecting on my finances. Bad, eh?

In January, I spent $1869.07 for a savings rate of 73.36% with a net worth gain of $12,707.28. Yes – that’s absolutely huge, but a lot of it has to with the recovering markets after a tough December, not to mention my new job’s generous compensation package which includes all sorts of frills like stock incentives, RRSP match, etc.

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2018: A Personal Finance Year in Review

2018
This graph is somewhat misleading – you’ll see why.

2018 was a good year. If I had to sum it up into a top 3, it was 1) quitting the public sector and getting a new job, 2) traveling to BC, and 3) learning about  unintentional lifestyle inflation.

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November 2018 Financial Update

A record month of spending and saving!

 

November

What a month!

This month I spent an all-time one month high of $3,460.64 (blame Cyber Monday and some frivolity), but also recorded a record 84.29% savings rate with a net worth gain of $19,135.05. Talk about huge! This will decrease the ret of the way, but I did surpass $200K in net worth far ahead of schedule!

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