Give Me Back My Five Bucks

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Happy Pay Day!

Well today is pay day (!!!). $150 went into my RRSPs, and I didn’t put $500 into my Travel Fund like I usually do. Instead, I put it on my Visa to pay off those mountaineering boots that I bought earlier this week.

I also updated my sidebars and NetworthIQ, and I’m happy to report a 5.58% increase this month. I haven’t said much about this, but BF thinks that it’s important to talk about – regarding my RRSP investments, I am now back in positive territory. It was a quick recovery for me because of a lot of different reasons (namely a good but simple strategy – buy low) … and now that I am in the black I’m looking to keep on gaining.

Also … I checked back to see what my September Monthly Goals were, and ouch. I’m not going to hit a lot of those goals. One of them was “go running 3x/week?” hahahaha I haven’t gone once this month. I think for October I’m going to stick to realistic goals, not idealistic goals.

$25k RRSP portfolio!

Hoorah! I’ve met my RRSP goal for this year of $25k (check out the sidebar). Currently I’m contributing $150 bi-weekly, and I want to increase that to $200 bi-weekly … or ideally $250. But I don’t think I can do that right now, and achieve the rest of my financial goals for the year. So instead of stopping my contributions now that I’ve reached my goal, I’ll keep going with $150 and see where that takes me.

Question: Lifelong Learning Plan & Home Buyer’s Plan

Dear GMBMFB Readers:

I’ve been sifting through websites, but can’t find the answer.

Can I withdraw from my RRSPs for the First Time Home Buyer’s Plan (HBP) and the Lifelong Learning Plan (LLP)?

Not necessarily at the same time.


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