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  1. Replies
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    1,312

    Why would you want to have a rental in a random...

    Why would you want to have a rental in a random city across the country, for which you'd need to borrow money just to make the down payment?

    This screams RUN AWAY honestly.
  2. Replies
    59
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    13,919

    Monthly update time. Liabilities Debt: $0 ...

    Monthly update time.

    Liabilities
    Debt: $0

    Assets
    Cash: $40
    Emergency Fund: $5000
    TFSA #1 (invested with Tangerine Balanced Growth): $27,700
    TFSA #2 (invested with Questrade - VAB 10%...
  3. Replies
    59
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    13,919

    Thanks. I actually opened that Questrade...

    Thanks.

    I actually opened that Questrade account this year, so the $8500 is invested from this year with a small amount carried from December. That means I'm averaging about $2000 invested in TFSA...
  4. Replies
    59
    Views
    13,919

    Liabilities Debt: $0 Assets Cash: $40 ...

    Liabilities
    Debt: $0

    Assets
    Cash: $40
    Emergency Fund: $5000
    TFSA #1 (invested with Tangerine Balanced Growth): $26,915
    TFSA #2 (invested with Questrade - VAB 10% VCN 30% XAW 60%): $8500...
  5. Replies
    59
    Views
    13,919

    Thanks man. Definitely rewarding watching the...

    Thanks man. Definitely rewarding watching the numbers climb.

    And thanks for the tip. Pretty sure I'll be picking up a couple of suits from Spier & Mackay next time they have a sale. I'll be in TO...
  6. Replies
    59
    Views
    13,919

    Liabilities Debt: $0 Assets Cash: $150 ...

    Liabilities
    Debt: $0

    Assets
    Cash: $150
    Emergency Fund: $5000
    TFSA #1 (invested with Tangerine Balanced Growth): $26,670
    TFSA #2 (invested with Questrade - VAB 10% VCN 30% XAW 60%): $7000...
  7. Thanks. I've always resisted the urge and don't...

    Thanks. I've always resisted the urge and don't expect it to continue long-term. The idea is to spend more on staple items that I can keep for years, but I'm not replacing my entire wardrobe.

    I...
  8. I think you're drawing far too many conclusions...

    I think you're drawing far too many conclusions based on false assumptions.

    Let me point out that in my OP I expressed frustration with guilt over spending a considerable amount of money on what I...
  9. I don't disagree necessarily, but it's not that...

    I don't disagree necessarily, but it's not that simple.

    I do know what I'm saving for - early retirement. I want to be done before I'm 50 at the very latest. In order for that to happen I need to...
  10. I could afford to go on those vacations either...

    I could afford to go on those vacations either way. And $1700 for 2.5 weeks in Mexico (including kenneling my dog) was a frugal vacation.

    I 'penny pinch' to achieve a high savings rate and pursue...
  11. Very true. And I do have a plan that will have me...

    Very true. And I do have a plan that will have me retire in my mid to late-40s if all goes well. I currently save 50-60% of my after tax income. It's because I'm on such a good trajectory that I find...
  12. Thanks, great response. New sale started...

    Thanks, great response.

    New sale started tonight at the company selling the jacket I was eyeing. Such a good deal I also added a shirt priced 2-3 times what I normally spend (but big sale for...
  13. Frugality has created buyer's aversion - thoughts?

    So I'm typically a very frugal person.

    My monthly budget for food AND entertainment is $300. Aside from travel, I very rarely spend money on things that I can't justify in some way. My problem is...
  14. Replies
    59
    Views
    13,919

    Finally got notice of bonus yesterday and it was...

    Finally got notice of bonus yesterday and it was more than I expected. I didn't know how my new unit's bonus worked but I was remaining cautiously optimistic. Total of the two bonuses is $4500 before...
  15. Replies
    59
    Views
    13,919

    Liabilities Debt: $0 Assets Cash: $0 ...

    Liabilities
    Debt: $0

    Assets
    Cash: $0
    Emergency Fund: $5000
    TFSA #1 (invested with Tangerine Balanced Growth): $26765
    TFSA #2 (invested with Questrade - VAB 10% VCN 30% XAW 60%): $4560
    ...
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