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Friday, 3 April 2015

April 2015 Net Worth Update +0.43% - The struggle

A very minor change to report this month but I am content to be holding steady and not backsliding. 

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%

Stocks - $1,677.34 +23.10%
(purchased this month = $298.64)

Chequing - -$666.35

Total: $52,063.84
Gain: +0.43% or +$222.14


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