My debt situation on date of June 10, 2021

Margin account debt: $47,175.25 @ 4%

Annual interest: $1,887.01

On the date of June 10, 2021

**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

My investment portfolio on date of June 4, 2021

Cold cash: $6,353.19

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

iShares S&P/TSX Capped REIT Index (XRE)

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $126,392.10

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

TOTAL: $4,484.05 US: $5,292.97 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

Brookfield Infrastructure Partners L.P. (BIP.UN)

Brookfield Renewable Energy Partners L.P. (BEP.UN)

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)

Data Communications Mgmt (DCM)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

TOTAL: $118,397.36

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

Logistec Corporation Class B Subordinate Voting Shares (LGT.B)

Brookfield Renewable Partners L.P. (BEP.UN)

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

Total: $58,423.40

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,471.32

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

Natural Resources Term Savings (Indexed term savings): $502.45

NBI Income Fund: 1 362,21 $

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $8,370.91

Other various: $22,742.40

TOTAL: $95,449.99

Social Capital at Desjardins Membership share: $35

Online money: $57.18

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

$351,977.79

On the date of June 4, 2021

My debt situation on date of June 4, 2021

Margin account debt: $47,215.34 @ 4%

Annual interest: $1,888.62

On the date of June 4, 2021

**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

Oh lala, look who's only getting richer, richer and richer... ME

These days, the weather is quite awesome in Montreal, so I am spending a lot of time outside, and I try to stay out of my laptop as much as possible. But now, I feel I have to write a little something because I finally make it: I now have over 300k in net worth!

My numbers are quite good today. My non-registered portfolio closed today session at $125,614.40, my TFSA portfolio at $118,040.48 and my RRSP portfolio at $58,102.02. I can say for sure that I am still sitting on a 300k net worth at present. Fun! 

Last week, my $300,799.45 net worth had been a nice surprise. With a now solid 300k net worth, I am happy to have a margin debt under the 50k. My margin debt is currently at $47,215.34. I have at my disposal a good $32,219.30 as money available on my margin, to invest partly if I want... or spend. But of course, I will do neither of those things. With a TSX close to the 20,000 points, it's not time to invest. Now is the time to enjoy the summer and just watch the TSX doing its magic. My bet worth is probably currently exceeding the 300k. Maybe not by that much, but exceeding.

I did a great job saving my bucks in May, I hope to do the same in June. Right now, I am dying for a haircut. I don't want to have long hair anymore, I just hate it. I have a dentist appointment later on in July, but thanks to my insurance, it won't cost me much. Yesterday morning, at BNN's The Open, Amber Amber Kanwar announced live that the TSX hit on the 20,005 points. It was quite an event! It was quite exciting, but it somewhat felt kind of weird at the same time to watch the TSX reaching the 20,000 points for the real first time. All I can say is, enjoy it, because each day is a different day on the TSX.

Now is a good time to save money, pay down your margin or debt if you have any, make some savings. And later on, when a correction happens, it will be time to invest again.

June had kicked in, but some things are still going on, the TSX is not a boring place to be. Morneau Shepell Inc. (MSI) had changed its name to LifeWorks Inc. (LWRK). It was the right thing to do because personally, with all the drama surrounding Finance Minister Bill Morneau's exist, I wasn't pretty much a fan of Morneau Shepell Inc. (MSI). I didn't sell and it's only for money: both of my current capital gain and the dividend I earn from that investment are just too good.

I also had another great surprise yesterday morning with Pembina Pipeline Corporation (PPL) who's trying to make an acquisition. PPL had been in my portfolio since my early beginning. When PPL gains in value, that means big bucks to me because PPL is not a small investment in my non-registered portfolio. With their new acquisition, PPL announced a happy dividend increase. However, it's not sure that the so wanted acquisition will happen or not, it's all complicated. PPL is a Derek Foster stock.

There you go! It's now official, I now have a net worth of $300,799.45!!!

FINALLY! I pop it up to the 300k for the first time ever. I am just really happy I could make it before turning 41. At a point, I wasn't too sure...

A date to remember this happen today, on May 26, 2021.

My investment portfolio on date of May 26, 2021

Cold cash: $5,457.52

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

iShares S&P/TSX Capped REIT Index (XRE)

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $125,693.01

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

TOTAL: $4,403.41 US: $5,175.33 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

Brookfield Infrastructure Partners L.P. (BIP.UN)

Brookfield Renewable Energy Partners L.P. (BEP.UN)

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)

Data Communications Mgmt (DCM)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

TOTAL: $117,010.49

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

Logistec Corporation Class B Subordinate Voting Shares (LGT.B)

Brookfield Renewable Partners L.P. (BEP.UN)

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

Total: $58,136.63

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,422.15

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

Natural Resources Term Savings (Indexed term savings): $502.45

NBI Income Fund: $1,362.21

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $8,312

Other various: $22,302.32

TOTAL: $94,615.06

Social Capital at Desjardins Membership share: $35

Online money: $56.36

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

$348,042.77

On the date of May 26, 2021

My debt situation on date of May 26, 2021

Margin account debt: $47,243.32 @ 4%

Annual interest: $1,889.74

On the date of May 26, 2021

**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

Reaching my highest net worth EVER on May 20, 2021: $298,486.93

Happy Victoria Day investors!

 

I am slowly getting there. On the date of May 20, 2021, I am only missing $1,513.07 before hitting on my first $300,000 net worth. For this past Friday, my numbers closed the session on lower results. My non-registered portfolio closed at $123,916.36, my US portfolio at $4,417.17 USD, my TFSA portfolio at $114,838.54 and my RRSP portfolio - stocks only - at $57,629.86. I currently have $423.24 in cash inside my RRSP portfolio that is coming from dividend distribution. Between May 20 and now, my margin debt increased to $48,243.32 (interests). With all the drama surrounding Bitcoin and Ether, I may not be able to reach the 300k anytime soon, but I am ok with that.

This week I received a super big paycheck and my next one should as good. My only problem was: what should I do with that money? It didn't take me long. I decided to pay down my margin by 1k and to put $600 aside in my saving accounts. My savings are now located in 3 separate accounts, in 3 different institutions. My margin debt is currently $47,243.32. I would like to see that amount reduced to under 40k.

I did a good job for the past couple of weeks at trying to control my expenses. To do so, my goal is not to spend money on any clothes for this summer, no haircut, no pedicure or manicure, and no spending money on whatever products that I don't need. It happens that I like to spend some money on hair and beauty products, makeup... My main goal for the summer is not to spend any money on clothes, and not get any hair cut. Clothes can be expensive. I was quickly looking over some clothes the other day at Gap - without buying noting - and it shocks me how clothes can be expensive when they are not on sale and when you look at the price tag correctly. There something about the great weather that just makes a girl spend some money on clothes for no good reason, other than just spending money around. These days, going out for coffee is my only luxury.

I am pretty much living like in my younger days when saving money used to be so important for me. The trick is to just keep going.

My debt situation on date of May 20, 2021

Margin account debt: $48,096.95 @ 4%

Annual interest: $1,923.88

On the date of May 20, 2021

**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

My investment portfolio on date of May 20, 2021

Cold cash: $7,613.52

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

iShares S&P/TSX Capped REIT Index (XRE)

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $124,293.26

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

Cash: $94,93

TOTAL: $4,401.57 USD: $5,190.77 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

Brookfield Infrastructure Partners L.P. (BIP.UN)

Brookfield Renewable Energy Partners L.P. (BEP.UN)

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)

Data Communications Mgmt (DCM)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

Cash: $79.52

TOTAL: $115,891.47

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

Logistec Corporation Class B Subordinate Voting Shares (LGT.B)

Brookfield Renewable Partners L.P. (BEP.UN)

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

Cash: $393.06

Total: $57,375.87 

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,395.36 $

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

Natural Resources Term Savings (Indexed term savings): $502.45

NBI Income Fund: $1,349.44

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $8,229.06

Other various: $22,076.37

TOTAL: $93,505.85

Social Capital at Desjardins Membership share: $35

Online money: $54.01

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

$346,583.88

On the date of May 20, 2021