Give Me Back My Five Bucks

First Time Home Buyer’s Plan

Since the market has been so destructive lately, and I plan on using my RRSPs for the First Time Home Buyer’s Plan in a few years, I’ve reduced my monthly contributions from $500/month down to $200/month. And of that $200, $100 is going into a Money Market fund, and the other $100 is going into T-Bills.

Once I max out my EF, I’m going to concentrate on putting the excess money into my Condo Down Payment Fund. That way, I know my money won’t whittle away down to nothing.

If I wasn’t going to use my RRSPs, I would be putting money into my retirement funds like nobody’s business … but I can’t afford to keep throwing money into a black hole when I’m going to need to use it in around 3 years. So, this is the route I’m going to have to take. Especially because I need to be aggressively saving for my trip around the world with BF.

Going home and getting inked

Last weekend when I was home, I made about $95 at the PT job. This weekend, I’m going home again, and I’ll probably make about $80. It’s not a lot, considering my travel costs, but making a little extra money is better than making none at all.

I’m also going into a tattoo studio with my sister to get a consultation for the artwork that I want. I’m excited, because I’ve wanted to get this tattoo done for a few years now, and it’s perfect b/c she’s buying it for me as my birthday present. :) I don’t think I’ll be able to get the tattoo done this weekend, but hopefully there’ll be an appointment available in 3 weeks when I go back home next. As for the pain, I’m pretty sure I can deal with it. I have a tattoo on my back that I got probably about 7 years ago … and it hurt, but it wasn’t as bad as everyone said it was going to be.

The picture is the exact tattoo I want to get, and the exact placement. Well, I think I want mine a smidge closer to my wrist. It kind of sucks that someone else in the world has the same tattoo/placement as me, but it’s not like the artwork is a big secret.

This morning …

I accidentally dropped my moisturizer container in the toilet. Gross. :(

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A beginner's guide for Canadians looking to get their financial life in order. Get great info on budgeting and saving, RRSP's and pensions, investing types, insurance, and where to go for additional resources.

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