Over the weekend, I bit the bullet and went to TD bank and switched my TFSA mutual funds to a TFSA TD Direct Investing account. I also transferred a portion of the money in my Tangerine TFSA high interest account ($10,000) into my TD TFSA savings account so that I can use it to invest in stocks or other mutual funds in my TFSA TD Direct Investing account. I left about $5000 in the Tangerine TFSA account so that I can access it quickly if I ever need it. Continue reading
I am a careless person and no matter how I TRY NOT to be careless, things….. “just happens” and it cost me quite a few pretty pennies. Continue reading
Yup! That’s right! Early Christmas shopping. I know it’s only September, but Christmas is coming up and I always like to shop for Christmas presents throughout the year.
Due to a wedding and a birthday that I will be attending this month, it will get quite pricey for me. I know it is way easier to spend using credit card, so I want see if I spend any differently if I know I ONLY have $200 cash in my wallet + joint credit card I have with the Husband for our household expenses (I have my own credit card for expenses that I incur myself so that will be put aside).
This month, instead of paying my discretionary expenses with my credit card, I am going to go on a CASH. I will GIVE UP that 1% cash back reward to try out this experiment.
I have inherited 1/3 of my parent’s property and my siblings and I are debating what we want to do with it. The house is situated in a sought after neighbourhood on a hill with a park across the back lane (no houses behind our house!). The house was built in the 1960s and has not been renovated much. Everything was original: oak kitchen cabinets, tiled kitchen floors, hardwood floors and copper piping. Our dad just installed a new roof and a new boiler last year.
With the real estate market being so hot in Vancouver now, I am guessing the house could easily sell for $900K even though it needs a bit of updating. After all the real estate fees and etc., I am guessing we would each have about $250K in our pockets, if we were to sell it as is.
The Money Pincher 