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#51
Dec 11 2020 11:06pm
Quote (SBD @ 11 Dec 2020 17:36)
No debt personally.

Canadians actually have less debt now than they did pre-pandemic on an individual level. Canadians now owe 1.71 for every dollar spent while in 2019 they owed 1.81 for every dollar spent. I shouldn't have to say this, but on average that is. Specifically household average.

I have also managed to save above and beyond my pre-covid rate due to travel restrictions of which I budget 17K a year for. I did pick up an additional ATV but am still under budget by an average of $998 per month at this point.

I am one of those people that take mine and my wife's transactions every month , export to Excel it gets categorized and pulls into a tables based on sumif's , it then determines an over or under spent compared to the monthly budgeted amount for each category. I don't believe in software that does all the work because I think there's significant benefit to actually going through everything yourself each month.



Can you send me your template? Planned on doing this in January tbh
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#52
Dec 11 2020 11:09pm
Quote (duffman316 @ 11 Dec 2020 20:40)
i've learned to cook better food at home than what can be found in most restaurants, it eliminates the need to go out so often



i'm currently looking at etfs as well to dump money into it monthly, isn't it risky to bet it all on the US?



ARKW IGV IHI VGT have been solid for me this year



And /e only debt is from mortgage. About 496k left. But hey, that’s the DC housing market for ya. 800k buys you a row home. Fuck me right🤷‍♂️

This post was edited by Greater on Dec 11 2020 11:13pm
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#53
Dec 11 2020 11:12pm
honestly what's the difference
if you have a fast car and a safe home and steaks in the freezer, what is double or triple going to really do?
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#54
Dec 11 2020 11:16pm
Quote (SBD @ 11 Dec 2020 17:36)
No debt personally.

Canadians actually have less debt now than they did pre-pandemic on an individual level. Canadians now owe 1.71 for every dollar spent while in 2019 they owed 1.81 for every dollar spent. I shouldn't have to say this, but on average that is. Specifically household average.

I have also managed to save above and beyond my pre-covid rate due to travel restrictions of which I budget 17K a year for. I did pick up an additional ATV but am still under budget by an average of $998 per month at this point.

I am one of those people that take mine and my wife's transactions every month , export to Excel it gets categorized and pulls into a tables based on sumif's , it then determines an over or under spent compared to the monthly budgeted amount for each category. I don't believe in software that does all the work because I think there's significant benefit to actually going through everything yourself each month.

agreed. tracking your own stuff is beneficial to yourself. plus you start looking at random miscellaneous expenses and saying damn do i really need to spend on this or that rather than it being dumped into ‘other’ or mislabeled
learned this from my old man but he did it on a damn paper notebook lol

This post was edited by excellence on Dec 11 2020 11:16pm
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#55
Dec 11 2020 11:16pm
Quote (Greater @ Dec 12 2020 12:09am)
ARKW IGV IHI VGT have been solid for me this year



And /e only debt is from mortgage. About 496k left. But hey, that’s the DC housing market for ya. 800k buys you a row home. Fuck me right🤷‍♂️


the challenge i have is there is so much to choose from, how do you pick and choose? i've heard good things about vgro
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#56
Dec 11 2020 11:18pm
if you're going to play the game, then really play it
play it to fucking win
not this petty ass bullshit like "oh i have 100k more than the guy next door"
fuck that noise
play really win or just enjoy the gift of existence
all this grinding for nothing seems pointless to me and a really clear path to becoming fat
play or enjoy. so many people on here are confusing the two

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#57
Dec 11 2020 11:22pm
Quote (duffman316 @ 12 Dec 2020 00:16)
the challenge i have is there is so much to choose from, how do you pick and choose? i've heard good things about vgro



Like with all investments just need to do you DD and diversify. Obviously sounds easier than that actually is... TDAmeritrade sorts this info in one spot where you can sort by industry, sort by type (value, growth, small cap, large cap, etc.) view their prospectus and it’ll even give you an option to short/view by performance. Or you can always pay a money manager to do this for you and sacrifice some returns and fees to have a better piece of mind.
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#58
Dec 11 2020 11:29pm
no debt other than mortgage and house has approx 30% growth since buying
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#59
Dec 11 2020 11:29pm
Quote (SuperSpreader @ Dec 11 2020 09:18pm)
if you're going to play the game, then really play it
play it to fucking win
not this petty ass bullshit like "oh i have 100k more than the guy next door"
fuck that noise
play really win or just enjoy the gift of existence
all this grinding for nothing seems pointless to me and a really clear path to becoming fat
play or enjoy. so many people on here are confusing the two

https://www.youtube.com/watch?v=OgKH6oSSoOE


i want to float you like a seamless butterfly, watch the universe unravel before our eyes as the stars shoot in the great galaxy amongst us.
Come with me, seek the space down beneath the heavens. for there we will find our true purpose.
TAKE A LEAP OF FAITH
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#60
Dec 11 2020 11:31pm
Quote (lemonss @ Dec 12 2020 01:29am)
i want to float you like a seamless butterfly, watch the universe unravel before our eyes as the stars shoot in the great galaxy amongst us.
Come with me, seek the space down beneath the heavens. for there we will find our true purpose.
TAKE A LEAP OF FAITH


this is beautiful.
Thank you.
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