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In Feb of 2010 I ventured for the first time into the land of RRSP. I put in $1000 which counted for my 2009 tax return. Six months later, I got my first statement from the Investment Company. I laughed at how my investment had grown by a whopping 89 cents. In November I added $1500 to the pot for my 2010 contribution. math tells me I have $2500 plus 89 cents.
I received my next 6 month statement yesterday. My yearly fee of $29.35 was taken off. I knew this and expected it. To my pleasant surprise, my $2500 was now worth $2600 after yearly fee deduction. A lovely growth of $100 for one year's 'work'. The fancy lil charts and graphs tell me that it is a growth of 9% which sounds fantastic.
If only I had had a ton more money in there.
as of February 7th
Debt
Mortgage - $34 953.96
Vehicle Loan - $14 778.87
Total Debt - $49 732.83
Savings
EF(TFSA) - $2000
Summer 2011 - $1000
Back to School - $267
Total Savings - $3267
Planned Savings
RESP - $6650
RRSP - $2500
Wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeee I'm under $50 000!!! So exciting to see. It's been a long time coming and it is wonderful to see.
From this time last month I managed to reduce my debt by $1342.79 which is largely due in part to the extra $ put down on my vehicle loan.
We went from frigid cold Monday and Tuesday and then moved to plus 5 yesterday. Today it's just below zero and there are big fluffy flakes falling down outside. I love watching them.
It's a quiet Saturday morning thus far. I was up at 5:30 to get DS1 off on his weekend road trip for hockey. They have a long drive ahead of them to the south of the province. DS2 is still asleep and their father is ice fishing today. Even the cats are asleep on my bed.
I am beginning to realize that the past 16 years have been all about my kids and I have lost 'me' in the journey. They will not need me much longer and then what? A lot of years of just me.
I did some housekeeping on the blog. I added a piggy bank to show what I am saving for DS1s vehicle plates.
I added/updated the other two pages. I added a few books read to that page, and updated my 2011 goals to the other.
I need to come up with a plan for the day so I don't fully waste it.
Have a good day everyone. Thank you for reading and for giving me places to go read too.
I dug out my 2009 tax returns. I looked for the very first time at the RRSP contribution room. In fact, it took me a little while to find it on my forms as I have never looked before.
I learned ..... husband doesn't have that line anywhere on his forms from 2009. was very weird.
I learned...................my contribution room is about $44,000. holy wow
That makes a lot of sense given I only started last year, but holy wow.
Now I am not a financial genius by any stretch of the imagination, but I THINK I can safely say, with quite a bit of certainty, that I will not max out my contribution room anytime soon, if ever lol
I think I never looked before because I truly didn't want to know. ahhhh the life of an ostrich.
Back in December, I wrote of my grumpy day. It was a day of great confusion and frustration with product and customer service with our phone company.
Today arrives my first bill with the new phone combined with my phone. Boy those bills are sure confusing. For two phones it took six pages to spit out the charges. There was no long distance on there nor is there an itemized list of texts as texting comes free with the plan.
It shows doubles of most everything since the bill was pro-rated for the less than full month plus the current month. I am trying to figure out what a 'normal' bill month will be but with the prorated piece I honestly won't be able to piece it together based on this month. Since the bills adds the one time activation charge of $25 I know that I can subtract at least $25 for the amount. Then, too, will come the % of tax that was added because of the $25. Perhaps also some of those 'pro rated plus regular charge' items will be less since it will just be a regular month??
There are lots of CR (credit listed along the list) but I suspect most of those come with the signing on of a new phone.
A most pleasant surprise was the $10 Credit labelled 'adjustment'. As I looked more closely at page 4, I see that I see that adjustment means....'good PR'. Someone gave me a credit for all the troubles I went through. How nice. I highly doubt it was any of the ladies I dealt with in person. My best guess is that the nice lady I spoke to at head office the next day gifted me with it. She was amazing to deal with and I told her so more than once that day. How lovely to receive a credit.
Total 'new' charges was $154.25. Subtract the $25 for sign up and the % of tax that goes with it, my regular bill comes to around $127 for the two phones. Will be interesting to see how close I am.
