My debt situation on date of January 4, 2019

Margin account: $47 646.24 @ 5.50%
Annual interest: $2 620.54

Happy New Year 2019, TSX investors!

Good luck for 2019! I think we'll all need some in 2019. Today was quite a rough start for the TSX, but it eventually got better and we got a smooth closing, but nothing to be much excited about. The TSX show what it got in reserve for its investor: pain, pain and only PAIN. Bring it on, I am ready. My non-registered portfolio closed today session at $119 770.08, my TFSA portfolio at $52 569.44, and my RRSP portfolio at $37 597.80. 

In his last 2018 newsletter, Derek Foster said that he had invested in BEP.UN, and right there, I got my fabulous investment idea for the couple hundreds in cash I had inside my RRSP portfolio. So today, I finally moved on and I placed my first investment of the year 2019 in Brookfield Renewable Partners L.P. (BEP.UN). So welcome in my RRSP portfolio Brookfield Renewable Partners L.P. (BEP.UN) and make me rich. PLEASE.

Personally, I like and dislike the Christmas holidays for several reasons. I like it because I get to visit my family in New Brunswick, but despite the fact that I am a princess and it seems like I am the only one to know, I always have to come back to cover the New Year Eve period at work. And of course, to maximize the time spend in New Brunswick, I always go back to Montreal at the really last minute, just right on time to go to work the next morning. And it's quite hard to do that exactly on the next morning. The day of the New Year is not a good day to be at work, especially while coming straight from a holiday and you have nothing in the fridge. All the stores closed early on New Year day, it's not convenient. Other than that, I like Christmas season. And its now over. 2018 just deserved a street punch in the face. I was so hoping to hit on the 300k value in investment, but it just didn't happen, of course. These days, numbers aren't right on the stock market.

One thing for sure, 2018 was super volatile for the TSX and it hasn't been super pleasant. I am glad that I started investing in stocks a decade ago, starting now - or in 2018 - would have been a traumatic experience. I started investing shortly before the 2008 stock crash. But things were different and following the crash, we meet a strong bottom point and it was it. Following what, the stock market gains points like if it would had been a crazy wild horse. And because of that, I had been able to hit on $232 000 in net worth - my highest net worth ever - despite the fact that I only invest small amounts after small amounts... It took me 10 years to be able to manage the market volatility and I feel just bad for all the young investors who need to go through the toughest of the hardest time ever. I am happy with my decision to sell some of my stocks to pay down my margin debt, which at some point was up to $101 000, and its currently of $47 877.66. Now, the state of my margin account is secure and a 47k debt makes a bit more sense than having a 101k one on my pretty shoulders.

My non-registered portfolio closed the year 2018 at $118 679.19, my TFSA portfolio at $52 418.76, my RRSP portfolio at $37 515.44, and my US portfolio at $2 881.04 US. I will publish an update of my portfolios this weekend, just to leave a trace of that bad 2018 year behind, to remember that I had to go through the worst year ever. 

I am not going to do a recap of my 2018 financial year - it's your unique job to read my posts, after all, its the minimum requirement. But what I was the proudest of was to be able to do a quick buy and sell hot move on Royal Nickel Corporation (RNX) and cash in a good 1k. But I won't repeat the same move on RNX today. I was just really proud to make a few dollars on the back of Eric Sprott for once. Good moves coming from Eric Sprott are really really rares.

For 2019, with the current state of my investment portfolio, my dividend income is expecting to be at a good $7 299.97. And just to add up to the excitement of the new year ahead, two stocks that I found using Stockopedia wow wow wow screens: Granite Real Estate Investment Trust (GRT.UN) and Agellan Commercial Real Estate Investment Trust (ACR.UN), those two great stocks are both paying a special dividend distribution! YEAH! And I need all the cash I can get because I had booked a one week vacation in Cuba for vacation sometimes soon, and I also bought today a brand new suitcase, which was needed. What is great with ACR.UN and GRT.UN is that despite the big drop out on the TSX, those two little ones are strong. Don't count on those two for immediate great capital gains, but you can always rely on them in term of stability in their value and super nice dividend income.

On December 31, I sold my investment Black Diamond Group Ltd (BDI) that was in my non-registered portfolio, to declare a capital loss. And finally, today, I did a contribution in kind with Nutrien Ltd. (NTR) for my TFSA portfolio. The TFSA contribution limit being $6 000, I plan to transfer some cash in so I can have some playtime money and maybe do some other great hit and run moves like the one I did on RNX a few months ago.

The end of the year is always a good time to do both financial checkup AND cleanup. Basically, the idea is to have a look at how much I have, my allocation assets, how much debt I have, my next investment moves and my budget. And you get know all that great stuff by reading all of my words for free. So enjoy, because the best things shouldn't be giving away for free.

Merry Christmas, TSX investors!

The end of the year is coming in a hurry. I would like to have it slow down a little, but its the way it is. Ready or not, holidays are coming in! Yeah! I will be away for a few days for the fabulous New Brunswick. I am probably going to post something before the end of the year anyway. I have less and less time to post anything at all these days. And let say it, the stock market is not helping my cause. Its really rough to be investing in stocks these days, more than it ever been before. I am just really happy that I had been able to sell some assets a few weeks ago, just before it got even worst for the TSX. Its certainly not easy to see the spectacular TSX roading its way behind the 16 000 points, but as days are flying by, I am getting used to it. I was suprised at first, but now its just kind of business as usual... And its seem like we are on our way for even worst.

However, a lot of good can comes from such difficult stock market situation. Take me for example. Thanks to this crazy financial environment, I am paying down my margin! This time coming out of hell need to be seen as a way to improve ourselves. This is the time to be at our really best. Its time to focus exclusively on the really good stocks that I can rely on the long run. It's time to but some money aside for savings (and not investing). And of course, its time to buy some high-quality stocks when they are cheap. 

I already have everything plan for my financial year of 2019. As soon as 2019 kicks in, and that the TSX is open, I want to:

Sell my PPL shares to pay down my margin, and even TRP, to pay down my margin.

After what, I should only have left in the 20k left to pay. It may sound like nothing much, but its quite a little sum and I know for sure that its going to be difficult to only pay down that 20k.

The plan is to get pure of oil stocks, and get out of debt as quickly as possible. The TSX is going weaker and weaker and personally, I think that we may go even lower. Its why I decided a little way back to start paying down my margin. I want to be free to be with my stocks portfolio without having to deal with a margin account.

Today, my non-registered portfolio closed at 120k. In those conditions, I guess I should be happy with what I have. In those conditions, it will be easier for me to keep some money as saving without any purpose. Knowing I will have to pay down a 20k margin debt, I may be able to only save between 4k to 5k....

2019 isn't going to be an easy year. I may invest in some points because I know myself, I won't be able to make a long road out of this if I cannot play in some way with stocks.

That margin account is getting seriously paid down

I wasn't available to write anything on Sunday for the usual Sunday evening post. Its just didn't happen. I got a haircut and I actually just realize now, but I got a Marilyn Monroe kind of cutty look! If you want to know what my hair looks like, check the 7th pic of Marilyn on this page. My hairs are curly that way when I don't put any product on them and with something, the curls are more defined. So I guess I need to be flatter that my stylist came with a Marilyn Monroe iconic style on my pretty me. Next time, I will try to have it even a bit shorter. It's actually hard to style very natural curly hair. Such hair needs a really good defined cut. And my hair grows quite quickly too. I need a haircut every two and a half months. I try to extend over it, but it's just not possible. Crazy hair.

Other than my pretty haircut, a lot had happened! I finally got to happen to sell some investments this past Friday. Inside my TFSA, I sold the following: Parkland Fuel Corp (PKI), National Bank of Canada (NA), Canadian Imperial Bank Of Commerce (CM), Enbridge Inc. (ENB), The North West Company Inc. (NWC). The money got transferred from my TFSA to my margin account today. My margin account usage is now at $45 170.95. As soon as January 1th kick in, I plan to probably sell all of my Pembina Pipeline Corporation (PPL) stocks and probably also all of my TransCanada Corp (TRP) stocks, and I will try to invest in my TFSA account. Its been announced that for 2019, the contribution limit for the TFSA will be of $6 000. 

The amount I transferred from my TFSA portfolio to my margin will be eligible for a TFSA contribution in 2019. So I will have over 25k in contribution room for my TFSA in 2019. I already have spotted a few investments that I will like to transfer from my non-registered portfolio to my TFSA one:

Nutrien Ltd. (NTR)
ATCO Ltd. (ACO.Y) 
Canadian Imperial Bank Of Commerce (CM)
Goodfood Market Corp. (FOOD)
TFI International Inc. (TFII)
Aecon Group Inc. (ARE)
Aphria Inc. (APH)
BCE Inc. (BCE)
Emera Inc. (EMA)
Jamieson Wellness Inc. (JWEL)

Following those contributions in kind, I will still room for another close to 5k, but that contribution in cash for my TFSA will be made only once I get the 19k margin left (which is e amount left once I will sell PPL). So all this is finally getting exciting. Who knew that paying my margin could be interesting, but it is when the TSX is all upside down AND trading under the 15 000 points. It's chaos. I still believe that paying down my margin is the right thing to do. It will be my project for 2019.

If you notice, Aphria Inc. (APH) appears in the list of investments I plan to use for a contribution in kind for my TFSA. APH businesses are real, no matter what satanic son has to say about it. APH has always been volatile, it takes a hit on the news, but I think we can expect to see APH back in $20 value one day. I have all the time in the word, and I am certainly not in a hurry.

I cannot even believe that I am finally getting that margin paid off. And I am so pretty with my new hair cut. I look like a cute little innocent angel.