I've just barely been keeping up with my expenses the last couple months, let alone finding any extra money to put away into savings. My cash flow is very poor (-$666.35) between paycheques and I would not be able to get by strictly using cash for purchases.
How I'm going to find another $5,500 for my TFSA contribution this year is anyone's guess. I figure finding the money will be almost impossible if I still want to travel anywhere at all this year.
I'm also beginning to worry how reliable my old car is and where I would find the money to replace it if I had to. The only real way I see would be to liquidate the stocks I hold in unregistered accounts and to withdraw from my RRSP(whatever taxation results). If I can help it I would like to leave my TFSA untouched but that may not be feasible.
While at times I may seem to be struggling, the real truth is that I could be much worse off. I believe I have some good habits as well as a long-term mentality that will help me take advantage of the little I do have.
"The struggle itself towards the heights is enough to fill a man's heart. One must imagine Sisyphus happy." - Albert Camus
TFSA - $45,145.26 +0.61%
RRSP - $5,907.59 +0.07%
Gain: +0.43% or +$222.14