Tomorrow could be a good day for Goodfood Market Corp. (FOOD)

The TSX closed not far behind the 15 000 points this past Friday, which had a great effect on my investments. My non-registered portfolio closed the session at $122 382.44, my TFSA portfolio at $58 142.35 and my RRSP portfolio, stocks only, at $38 607.05. 

For 2019, I have officially a TFSA contribution room of over $16 000, but it should be more in the range of 21k, since I withdraw 19k from my TFSA in mid-December. Maybe the correct amount will be reset later on, but for now, I only go with the official data I was giving online from the CRA. I earlier this month, I proceed with a contribution in kind from my non-registered to my TFSA portfolio with NTR. And currently, I have little options left to do some contribution in kind, but I had been thinking about my CM shares that I have inside my non-registered account, since the capital gain is currently below $300 and that CM is stock that I plan to hold in my portfolio, CM is a good candidate. And I would like eventually to put in some cash, so I can trade free of taxes. I might be able to do so in March.

Tomorrow, I will be carefully watching my Goodfood Market Corp. (FOOD) shares. FOOD will be releasing its result for the first quarter fiscal. I think there's a good chance for the stock price to raise more and if tomorrow is my lucky day, I will be selling my FOOD shares and cash in the profit I can make. It will go on to pay down my margin. That it is for paying down debt or to invest, saving money is a job of its own and when I want to, I am good at the game. This weekend, I didn't spend any money, if not for grocery shopping. I was doing so well, but today, I received a call coming from fundraising for the OSM, and it just didn't feel right not to give anything at all so I gave a tinny little $10, better than nothing. Currently, my projected amount spend for January is of $1 272.54, which is not too bad. 

The less I spend, the less I am tempted to spend my money as freely as I did before. The game is getting easier as the the time pass by. I didn't buy any coffee at work last week, which I find impressive, knowing how much I was getting used to buy between 1 to 3 coffee a day.

Saving money is easy if you really want to

The past two days had been super great for the TSX. Yesterday, my non-registered portfolio closed today session at $122 185.93, my TFSA portfolio at $57 583.20, and my RRSP portfolio, stocks only, at $38 356.74. Bank of Canada had the great idea not to increase interest rate and this all play well in my favor. Today, my non-registered portfolio closed today session at $122 521.80, my TFSA portfolio at $58 258.58 and my RRSP portfolio at $38 656.199. Its finally beginning to get better, but we still have a long way to go in order to catch up the old 16 500 points value. Its been a tough road.

So far, I had respected my budget and I actually spend less than expected, just the way I had it planned. It's not the first time in my life that I am taking this rough extra budgetted path. I did it before, and I can do it again. I guess in the past couple of years, since I had a good loaded investment portfolio, I didn't see the necessity to deprive myself of anything. And I am actually glad I did so because while I had worked with a really restricted budget in my young twenties during a couple of years. No one should have to deprive themselves for too long. Currently, I am doing it by choice, not exactly by necessity, but I would like to just have some money left in the bank in my saving account, instead of having absolutely everything pack in stocks. This is the right time to do it because I don't have myself set on a next investment idea and the stock market is not exactly a perfect heaven these days... Its for me the perfect time to pay down my margin debt.

Once you get in the money saving game and you see that using cash to pay everything begin to pay off, and that you can actually live below the expecting budget you have to fix yourself, at that point, that's heaven. I am now on my second week on a rough budget. Despite the fact that I had allow myself a little amount for coffees at work, I didn't buy any. For the month of January, my expenses will be of $1 173. I could go lower if I cancel my Crave TV subscription.

My New Year resolutions for 2019

The US shutdown continues and its really sad. Personally, and you know this, I live paycheck per paycheck. This shutdown is too long, but its a good thing for those who dislike Donald Trump, maybe all those people who had to live with no pay, they may not vote for the Republicans at the next election. Donald Trump is too strong in his believes. Everything had to work and be done his way. If not, beware the dog. It might be really stressful to be in his working circle at the White House, but I do admire him in a certain way, for his determination. The US is doing well, with many jobs that been created, its just wow. Is it a result of Donald Trump leadership?

I have money of my own, but its all invested in order to bring joy to the TSX. And the TSX is especially on a happy territory right now. I actually went for a visit to Maine, US during the shutdown while being in New Brunswick. I think it was the first time ever I was in the US while a government shutdown. See those beautiful pictures I took while being home. Far away, it's actually the Maine that you can see.

My non-registered portfolio closed today session at $118 970.33, my TFSA portfolio at $56 369.26 and my RRSP portfolio, stocks only, at $37 627.39. Today, the TSX closed at a good 14 605.15 points. Nice gains over the TSX mean nice gains for me. My non-registered portfolio closed today session at a good $120 494.73, my TFSA portfolio at $57 022.48, and my RRSP portfolio, stocks only, to $38 140.26. This brings my net worth closer to the 200k.

I didn't have the chance to comment yet my updated Budget page for 2019. It's a realistic, but quite restricted budget. However, I may be able to add up between $1 000 to $2 000 to that projected $20 463 in savings, but that's about the max I can save. We can go with a projected $22 500 in money save for 2019. My margin debt is currently at $47 645.69, I may be able to reduce that debt to $25 145.69 in 2019. I had planned before to sell my PPL stocks, but I am just please with my current dividend income, I wouldn't like it to go lower. But I may change my mind.

I switched form essentially credit card payment to cash and that way, I am less tempted to spend on stuff that I don't really need. It's actually a New Year resolution. In order to track down my expenses, I write it down in a little notebook. So far so good, despite the fact that I bought a new suitcase, my expenses since January 1th reached $162. While BNN reporter Amber Kanwar New Year resolution is not to drink alcohol for the next 3 months, mine is to switch from regular coffee to decaf coffee. I drink a lot of coffee and while it doesn't disturb my sleep or anything, I guess that at my age, while getting closer to 40, I should stop drinking coffee the way I used to. While working from home, I listen to BNN, which I really enjoy. Amber Kanwar and all the others are quite good. And it's nice to see a woman talking about not personal finance, but the real dirty stock shit. Have a look a how young she looks with her adorable baby girl in her arms. I am a fan! I learned a bunch of stuff by watching her show and I plan to post a little something on what I had learned by listening to BNN.

Another New Year resolution of mine is to drink more water and cook more. I don't drink water naturally, maybe because I drink too much coffee. I have a Brita Pitcher at home and I try to drink at least once a day, one and a half. So far so good, and it helps to lose a few pounds before hitting on Cuba hot beaches.

My investment portfolio on date of January 4, 2019

Cold cash: $1 998.54

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10 558.24
Methanex Corporation (MX): $7 102.88
Fortis Inc. (FTS): $5 459.97
Pembina Pipeline Corporation (PPL): $26 339.04
Corby Distilleries Limited (CSW.A): $2 489.52
iShares SP/TSX Capped REIT Index (XRE): $2 568.72
New Flyer Industries Inc. (NFI): $3 589.92
TMX Group Inc. (X): $572.16
K-Bro Linen Inc. (KBL): $3 427
WesternOne Inc. (WEQ): $187.03
TransCanada Corp (TRP): $1 288.50
Canadian National Railway Co (CNR): $9 069.30
Enbridge Inc. (ENB): $14 077.84
Emera Inc. (EMA): $1 073.50
BCE Inc. (BCE): $1 175.02
Saputo Inc. (SAP): $1 562.40
Lassonde Inc. (LAS.A): $1 980.90
Loblaw Companies (L): $729.60
Savaria Corporation (SIS): $6 699.21
Canadian Imperial Bank Of Commerce (CM): $3 089.40
ATCO Ltd. (ACO.Y): $2 301
Jamieson Wellness Inc. (JWEL): $2 120
WSP Global Inc. (WSP): $ 2875.50
Aecon Group Inc. (ARE): $ 1749
Aphria Inc. (APH): $1 614
Goodfood Market Corp. (FOOD): $1 020
TFI International Inc. (TFII): $2 787.20 
George Weston Limited (WN): $90.21

TOTAL: $117 431.03

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 561.60
General Mills Inc. (GIS): $1 274.24

TOTAL: $3 800.03 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $20.09
RioCan Real Estate Investment Trust (REI.UN): $827.05
CT Real Estate Investment Trust (CRT.UN): $1 172
Canadian National Railway Co (CNR): $4 030.80
Exchange Income Corporation (EIF): $28.71
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 242.13
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 114.50

Andrew Peller Limited (ADW.A): $2 357.90

Hydro One Limited (H): $2 100.80
Toronto-Dominion Bank (TD): $1 359.60
Boyd Group Income Fund (BYD.UN): $3 265.80
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 029.60
Data Communications Mgmt (DCM): $7.68
Morneau Shepell Inc. (MSI): $2 326.50
Royal Bank of Canada (RY): $3 765.60

Park Lawn Corporation (PLC): $1 400.40
Toromont Industries Ltd (TIH): $2 143.60

BCE Inc. (BCE): $480.69
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 625.50
Sienna Senior Living Inc. (SIA): $1 276.80
Boralex Inc. Class A Shares (BLX): $676.40
Richelieu Hardware Ltd. (RCH): $1 049.72
Savaria Corporation (SIS): 917.70

Northland Power Inc. (NPI): $2 199
Calian Group Ltd. (CGY): $2 223.70
BMO Bank of Montreal (BMO): $1 803
Canadian Utilities Limited (CU): $1 312.08
WSP Global Inc. (WSP): $1 437.75
Granite Real Estate Investment Trust (GRT.UN): $545.10
Cargojet Inc. (CJT): $1 964.75
Agellan Commercial Real Estate Investment Trust (ACR.UN): $792.96
Nutrien Ltd. (NTR): $3 156.50
Cash: $129.43

TOTAL: $55 783.84

RSP investment portfolio: 
Emera Incorporated (EMA): $11 980.26
EnCana Corporation (ECA): $899.64
Toronto-Dominion Bank (TD): $2 039.40
Telus Corp (T): $2 235.50
Royal Bank of Canada (RY): $1 882.80
Savaria Corporation (SIS): $2 648.22
Thomson Reuters Corporation (TRI): $2 293.92
Park Lawn Corporation (PLC): $4 668
Richards Packaging Income Fund (RPI.UN): $1 140.15
Toromont Industries Ltd (TIH): $375.13
CAE Inc. (CAE): $1 757.70 
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 845.85
Boralex Inc. Class A Shares (BLX): $845.50
Quebecor Inc. (QBR.B): $723.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $291.97
(BEP.UN): $705.85
Cash: $28.54

Total: $37 361.68             

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 618.02

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 337.79               

Manulife Fidelity NorthStar GIF CAP B: $1 472.58
Manulife Simplicity Growth Portfolio: $1 240.75
Maritime Life CI Harbour Seg Fund: $1 122.33
Maritime Life Fidelity True North Seg Fund: $1 174.04
Manulife GIF MLIA B World Invest: $1 143.68
Total: $6 153.38

Other various: $11 057.01

TOTAL: $59 607.63

Social Capital at Desjardins Membership share: $35

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$238 656.07