Hello easy money, my dividend income is now at $7 361.81

Another good day for the TSX! Ever since I came back from my vacation in Cuba, the TSX had been on a beef boost. My non-registered portfolio closed today session at $122 234.36, my TFSA portfolio at $68 634.28 and my RRSP portfolio, stocks only, at $40 707.90. I no longer hold on to some ACR.UN units and its juicy stock, so I was just curious to find out about my latest dividend income. And currently, I am now at $7 361.81 (excluding the dividend earn inside my RRSP portfolio), which make a nice sum.

Today, a stock of mine, TFI International Inc. (TFII), announced the acquisition of a US company in their sector of activity, Schilli Corporation. It's a good thing. TFII is a major player, it's just normal that they acquire other businesses over time. TFII closed today session on a 0.81% gains. TFII made its big announcement right after the closing bells, which mean that TFII could register a good gain tomorrow morning. 

These days, the best way to be a good Catholic is not to go to church, and not to give any money to the Catholic church. I never understand why women cannot become a priest, and I never understood why priests have to remain single. Without sexuality, human beings are not totally human beings. They can easily turn into pedophile and sexual maniacs. I don't agree with the Catholic Church on too many things and despite being Catholic myself, it hasn't been a choice of mine, I reject everything that goes with any religion, especially the Catholic one. Religions are dangerous stuff. Muslism is another really dangerous religion to follow. I don't feel the need to have someone standing between my relation to God. The best way to practice religion is not to have one at all. And its why I need to start a new religion that will obey to really simple rules, with a lot of good common sense. Best of all, I am here to collect your money, anytime. In return, you get some nice investment ideas - but you are already getting that for free, lucky Dividend Girl subjects. Don't pray me, but you can certainly be at my feet and adore me as much as you can.

During that time, Canadians understand why they can't rely on Quebeckers: Doug Ford said no to Quebec electricity - just like New Brunswick, SNC Lavalin is a garbage of shames and Justin Trudeau is.. full of deep shit and its not making any sense. But better days are ahead for Canadians, elections are coming in a run. Everythime we have a Quebecker as Prime Minister in this country, they always mess up.

The month of February 2019: budget in review

The month of February had been an heave one in term of expenses, but I will compensate with the month of March.

Fix expenses:

Cable & Internet: $3.20

Gym: $14.38

Banking fees: $3.45

Insurance: $7

Cell: $40.24

Rent: $680

Total: $748.27

Other expenses:

Grocery: $128.76

Birthday gift to 2 relatives: $63.36

Boot soles: $10.34

Towels: $79.26

Clothes: 236.56

Night beauty cream: $14.53

Make up remover: $5.68

Listerine: $2.29

Eat out: $110.06

Travel acessories: $56.15

Plasters: $10.33

Taxi: $30.60

Coffees: $27.33

Make up: $49.44

Beauty care: $30.36

Personal care products: $11.02

Sunglasses: $508

Porte lunette : 39.06 (2)

Facial cleanser: $21.85

Aldo purse: $45.99

Tips (Cuba): $60

Transport to and from airport: $40
Gift contribution to colleague at work: $20

Total: $1 600.97

Total spending for February 2019: $2 329.24

Money save: $888.76

I am publishing now my expenses for February because I don't plan to spend any money on this last week of February.

Saying thank you and goodbye to Agellan Commercial Real Estate Investment Trust (ACR.UN)

My mom left yesterday evening for New Brunswick, and she left in complete chaos because I totally forgot that we had to change her bus ticket for an Orleans one, but we were able to have it change and she left in a rush... I forgot about this little admin task because for obvious reasons, for too many years now, I always buy my bus tickets with Orleans Express. I came back last week from a vacation in Holguin, Cuba, and I spent close to 3 weeks with my mother, which, despite the love, was quite long for many reasons, like having to sleep with her in the same bed. We could have a separate room at the resort, but she didn't want to - too scared to be alone in a room at night. And in Montreal, I only have a small studio apartment... So this is it. After 3 weeks, I finally got to have a good night of sleep.

I enjoyed my vacation week, but I have to say that traveling overseas is not what I like the most, especially in a poor country. I find that we are taking advantage of the poor people of Cuba. Our presence there as tourists quite hypocrite. My poor mother really wanted to travel, she can't alone, my father can't travel, my brother won't do any efforts for her, so here am I, the only option. We are both in a budget so Cuba was the easy choice. And I always have anxiety while having to travel with my passport, take the plane, all that... I could easily live without going to Cuba every year, it would actually make my life a lot easier. Traveling aboard give my anxiety, as well as elevator doing downside for a reason I can't say if not you'll get the same disease, but not investing. I rock at that shit and money always come when I need it the most.

My non-registered portfolio closed today session at $121 842.13, my TFSA portfolio at $68 233.59, and my RRSP portfolio - stocks only - at $40 328.83. In the last post, I said I wanted to spot a stock and do a quick hit-and-run. Well, things are all coming in together and I had nothing to to do. It's, however, a bit unfortunate because I really like this stock but Agellan Commercial Real Estate Investment Trust (ACR.UN) no longer trades on the TSX. I have to say that the timing is absolutely perfect because I had spent quite some money in February! Since ACR.UN no longer trades on the TSX, all of my shares had been sold, and in result, I now have close to $1 200 in cash inside my TFSA portfolio. Nice! I am still thinking about it, but because I spend a lot of money in February, I am going to have withdrawn the 1.2k inside my non-registered portfolio and use the money to pay down my credit card. For March, I plan to save in the $3 200 - there're 3 paychecks coming in!

In the hunt for more fabulous Canadian stocks on Stockopedia

Its look for me like the TSX is looking forward to sit its pretty assets in the 16 000 points. Or at less she's desperately trying. When I have this kind of good vibes coming from my favorite stock market, I try to target stocks that could be good for a quick hit-and-run complete show off. If unfortunately you are not a regular reader and I have no clue of what a hit-and-run sex move is, its quite simple: a hit-and-run is when you buy a stock, hold in only for a little while and quickly sell to cash in a profit. It could be seem as an easy thing, but its a strategic move and risk are moderate. I personally try to catch stock with a good overall chart, and of which I have an appeal. What I am looking for is a godd quality stock that trade a good price, and that have chances to close on a higher note in the next couple days. Its always hard to predict the direction of a stock. Past results are no proof of future good results, but I base myself on good past result, crossing everything I can in the hope of good future results. And I have to say, this way work well like magic for me.

Currently, I don't have any stock pick yet in order to proceed with the perfect hit-and-run move that could only blow your mind, but I just cannot help it anyway, I am just such a great stock pickers (thank you Stockopedia). A little while back, I had introduced you to a special stock: Pollard Banknote (PBL). I could easily see PBL inside my portfolio as a long term investment. This is the kind of baby that I like. Its quite strange, I had forgot the name of the stock, but I had a feeling of it - and since my post are never too long - I find back PBL on my blog, right on here :-)

I also have a thing these days for MTY Food Inc. (MTY). I am the search of the perfect hit-and-run stock, but among the way this evening I made a few interesting finding, always on Stockopedia:

SIR Royalty Income Fund (SRV.UN) - you may want to check this one out! JUICY DIVIDEND, CHEAP STOCK, GREAT CHART. I think I am in love. And if you belive its not possible to fall for a stock, you are wrong. I love all of my stocks from the real bottom of my heart, of a pure money love. Let see if I can find anything else on Stockopedia this evening. Sorry, its about all you are getting from me for today.

With a TSX at 16 000 points, will Jamieson Wellness Inc. (JEWEL) in for more pain?

I just arrived yesterday for a one week vacation in Holguin. And while I was away and out of reach from any free wireless connection, the TSX decided to wake up and make its favorite investor - and that being me - happy! When I arrived at Montreal Trudeau airport, I was quite shocked to see my TSX close to the 16 000 points. And today, the TSX did even better. Those newest 16 031.24 points are quite impressive. Go go go!

Today, my non-registered portfolio closed today session at $122 558.41, my TFSA portfolio at $68 557.54, and my RRSP portfolio, stocks only, at $40 446.95. I currently estimate my net worth to be in the $215 000. This is increased of close to 9k compared to my net value of January 18 of this year! If I continue this way, I will be in the 300k net worth by the end of the year. But of course, we all know that the stock market is made of ups and downs, so I am just enjoying the moment. If it's a bit pushy to target the 300k for the end of the year, it's certainly more realistic to set myself ready for the 250k. It's only a question of number. 200k, 250k or 300k... I am just to use to this game, but the $300 000 is a real turn on and I want it. This is an easy game.

Currently, the only dark shadow I am experiencing is with my investment in Jamieson Wellness Inc. (JEWEL). I am currently experiencing a little loss on this one and I am not loving it. Usually, JEWEL is of no pain at all. I am closely watching it, trying to figure out what is next for this dear stock. The next couple of weeks are going to be quite busy as I need to get my 2018 tax declaration done, among other things.

My newest find on Stockopedia: Allied Properties Real Estate Investment Trust (AP.UN)

Its been a while since I didn't pick any new interesting stocks on Stockopedia, but I made a good catch this evening. I found Allied Properties Real Estate Investment Trust (AP.UN). I already have many REIT stocks in my portfolio, so this finding is not super wow, but I wouldn't mind investing a cute small amount of money in AP.UN. AP.UN has everything I need:

A strong overall chart:

Clearly, AP.UN suffers from the 2008 stock crash, but had recover ever since and its current 2019 value exceed its 2008 pre market stock crash. Allied Properties Real Estate Investment Trust has  good 3.3% dividend yield. AP.UN basically has everything that I like, the only problem is that AP is another REIT stocks.

A 15 700 points TSX and a $211 000 net worth

Today had been quite a good day for the TSX. I was really impressed by those healthy 15 700 points of today. So far, February had been an easy month and let's just hope it will continue this way. Its busy at work, so having an easy stock market to handle make things much smoother. Everything cannot be rocky all the time, at the same time. A 15 700 points, the 16 000 points are not really far away. 

In those good time, my non-registered portfolio closed today session at $122 111.16, my TFSA portfolio at $67 123.24, and my RRSP portfolio, stocks only, at $40 281.46. Currently, I estimate my net worth to be in the $211 000. Its mean that I am now only missing $89 000 to be sitting on a 300k net value. It will eventually happen, it's just a matter of time.

What a good surprise: looking like Aphria Inc. (APH) is getting back in the game. In order to keep my spirit, I must admit that I had given up on all hopes my for APH shares to ever go up again. I would have Aphria Inc. shares in my portfolio as a remembered that despite being a really great investor, I can sometimes be suck at it. But no no no. Mommy is too great! Currently, all Canadian pot stocks are kind of on an edge. However, I don't recommend investing in pot stocks, it's too volatile. And please remember my story with APH. 

Just in case - but it shouldn't be the case - that you don't read each of my precious posts on this blog, when I first invested in APH, I bought stocks, and I sell them not too long after, making a profit in the process. I was happy of course. But then, I decided to invest again in APH, and its when I got caught in. I could no longer sell Aphria Inc. at profit! And I still can't, I stuck with it. I have to hold on to it until it completely recovers. So learn from my mistake. Once your out of a deal stay out, don't get back in just for the heck of it, especially in the case of riskier investments.

Meet two of my calm soldier stocks: ACR.UN and GRT.UN

I can gladly say that I didn't spend any money yesterday, and the same thing for today, so I can really say that I save $929.11 for the month of January, and that amount doesn't include the dividend earn in Januray so it's quite good. I am about to book my excursions for my upcoming trip to Cuba. I will be spending something like probably $250. I have over $300 cash in my TFSA portfolio that I can use to cover that expense if needed. I plan to catch up in March with my saving.

On this last day of January 2019, my non-registered portfolio closed the session at $120 479.74, my TFSA portfolio at $66 474.49 and my RRSP portfolio at $40 098.52. Those 15 540.6 points are quite healthy. My precious NFI Group Inc. (NFI) stocks are on now better days. It was scared to see my NFI stocks going lower than $29 per share, but it eventually rebounded. Other than NFI, I have many other great things going on in my portfolio right now. My Pembina Pipeline Corporation (PPL) investment is not far away from the $30 000 value.

Inside my TFSA, I have a couple of calm soldiers: Agellan Commercial Real Estate Investment Trust (ACR.UN) and Granite Real Estate Investment Trust (GRT.UN), among others. But when I think of "calm soldier", I essentially think of ACR.UN and GRT.UN. Calm soldier stocks are stocks that stay relatively at the same value, no matter what the stock market goes up or down. In my TFSA portfolio, however, my investment in GRT.UN is about to change of category from "calm soldier" to a new designation that came directly from Stockopedia name "super stock". The reason why is that my Granite Real Estate Investment Trust (GRT.UN) stock gains 7% in my portfolio! So this is leaving me with one single known calm soldier. I am happy with this progression with GRT.UN.

This is actually making me think about my investment in Richards Packaging Income Fund (RPI.UN). Following the acquisition of RPI.UN inside my RRSP portfolio, it took some time, but unrealized capital gains finally kick in. And I say unrealized simply because I am a gain on a stock that I didn't sell and that I don't plan to sell either way.

My new President’s Choice Financial Mastercard credit card

Its now official, my investments in both Canadian Imperial Bank Of Commerce (CM) and TFI International Inc. (TFII) had now been transferred over my TFSA portfolio. My non-registered portfolio closed today session at $119 592.48, my TFSA portfolio at $66 253.64 and my RRSP portfolio, stocks only, at $40 066.68.

Yesterday, I published my expenses for the month of January, despite the fact that the month of January is not exactly past yet. But this was strategic, that way, I won't be pending money for the next two days and it's all good. At least, there are only two days left.

I had applied in order to get a President’s Choice Financial Mastercard credit card. This will replace my BMO Mastercard. I was collecting AirMiles with my BMO credit card, but I don't like AirMiles anymore. I find PC Optimum program being much more interesting and more rewarding. By applying to the PC Financial, I will receive 75 000 points, which is a credit to buy $75 worth of stuff, this will help to compensate for the purchase of my suitcase in January.

I am now on a more frugal mode and I am not scared of paying my expenses with my new credit card.

The month of January 2019: budget in review

Good past Friday for the TSX. My non-registered portfolio closed at $125 241.11, my TFSA portfolio at $59 940.28, and my RRSP portfolio, stocks only, at $39 843.56. I had proceeded with the contribution in kind of my Canadian Imperial Bank Of Commerce (CM) and TFI International Inc. (TFII) shares from my non-registered to my TFSA portfolio. Today was even better, the TSX closed at 15 378.62 points. And today, my non-registered portfolio closed the session at $125 506.45, my TFSA portfolio at $59 851.50, and my RRSP portfolio at $39 995.58

My margin usage is currently at $45 443.10. Last week, we had extreme bad weather in Montreal and on that bad weather day, I had no choice other than to go work at my workplace. It was awful, it was raining and the sidewalks were disgusting, with an unhappy mix of ice and rain, just enough to make me feel completely miserable. I already had not so great waterproof winter boots, I knew that, but I actually received the confirmation of it on that day. I decided to bough a new pair of winter boots, I got Sorel ones, which cost $200 after taxes. And I also had to buy a pair of socks... But the good news is, those Sorel boots are probably going to last me for at least 4, if not 5 years. It's unfortunate because its kind of destroy my super tight budget for this month. I had worked super hard at spending little as possible, allowing myself just a few coffees and for the eating out, just a few small sweet treats.

Here are what had been my fix expenses for January:

Cable & Internet: $98.18

Gym: $14.38

Banking fees: $3.45

Insurance: $7

CraveTV: $11.49

Cell: $40.24

Rent: $680

Total: $854.74

At $98.18, that cable and Internet bill is quite high. And it was actually almost the double of that amount in December! I got f by Videotron, I was promised a $71.79 deal, but my first bill didn't match at all that amount, and same thing for the second bill. I had to call Videotron to fix that mess, I asked them to listen to the telemarketer call that I received, I told them how pissed off I was not to be giving what I was promised. I finally was offered a deal, but the offer I got is only valid until May, and after that, I will cancel my cable. I really got fool by Videotron and I should have never had accepted the telemarketer offers for the cable. I should know better. I didn't respect my own rule: never trust Quebeckers, too many of them are big time liars. Learn from my mistakes. Anyway, don't worry, I won't ever let any Quebeckers mess up with me. I am a super mean wild bitch and I hate those morons next to their bones. I should received a credit on the next cable and Internet bill, so my fix expenses should get lower next month. I also cancel my subscription to CraveTV, but it's on until February 22.

There had been 5 long weeks in January. Two expenses kick in and completely destroyed my really tight budget: I bought a suitcase at $81.92, and as you know now, a pair of winter boots at $202.34. But both items should last for a couple of years. It doesn't take much to imbalance a budget, that's why it's important to spend less on things you have control over.

Other expenses for January:

Suitcase: $81.92

Sorel winter boots: $202.34

Taxi: $15 - on that extreme bad weather day on January 24, I call a taxi to go back home from work

Socks: $10.35

Credit card payment: $20.47

Grocery for January: $204.25

Coffees and eating out for January: $53.73

Sunscreen for Cuba: $14.45

Stuff for Cuba, medication: $34.08

Little gifts for Cuba: $43.98

Laundry tickets: $40 (for 20 loads)

Optometrist: $50 - ($20 return from insurance): $30

Qtip: $1.43

Mouthwash: $15.57 (I got 4, it should last for a little while)

Coffee filter: $2.50

Donation to OSM: $10

Birthday card to a relative: $1

Duplicate keys: $5.98

9V battery for my alarm clock: $3.50

Dishcloths: $2.88

Kitchen tool: $2.87

Shampoo: $5.74

2 blush powders: $35.62

F pads: $14.92 

Nair: $24.81

Gap clothes: $51.73

Total: $929.12

Total money spend in January, 2019: $1 783.86

-$92.50 (exchange of rolling pennies at the bank) :-)

TOTAL: $1 690.89

Money save: $929.11, and that amount doesn't include my dividend income!

Not too bad, let see now if you can do better!

I wish I could say that I am going to save more money in February, but sometime in February, I already have a trip plan to Cuba.