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Sunday, February 28, 2010

Net Worth Update - February 27th, 2010

It has been a long while since this update, but here it is. My first update since the wedding!

Every time I get paid (every two weeks), I update my net worth. The idea behind this is that my goals are that my liabilities drop every two weeks, and by tracking them in this way, I am able to get a nice picture of where I stand financially. Its not a perfect balance sheet that I have (because of student loans I have a negative net worth), but the progress is what I am looking for.

- up $394.08 from February 13th, 2010
- up $8010.47 from February 27th, 2010(one year ago)

These assets include my house (I give it 1% appreciation each year in my appreciation), my RRSP and my TFSA. The stock market has been climbing nicely for the last year and my assets are appreciating because of it.

- better $488.90 from February 13th, 2010
- better $15,781.28 from February 27th, 2009(one year ago)

These liabilities include my mortgage, student loans and a consolidation loan (mainly for my Masters Degree for teaching). I am unfortunately down to a single tutor which will slow down my extra payments on things.

- better $882.98 from February 13th, 2010
- better $23,791.75 from February 27th, 2009(one year ago!)

Continuing the nice positive moves over the last year. As long as I can do the "slow and steady" progress I will be happy. I haven't combined frugala's numbers into here yet (if I ever will), but because she doesn't owe anything, the liabilities section will always be mine.

The last thing I am going to track is the value of the TSX. I have some asset allocation goals that are dependent on the value of the TSX.

TSX Graph
Current Value: 11,629.23
Highest Value in Last 2 Years: 15073.13 June 18th, 2008

Thursday, February 18, 2010

Chateau Frontenac

Last night (and tonight), frugala and I stayed at the Chateau Frontenac, a beautiful spot in majestic old Quebec City. It is a wonderful old hotel that reminded me of Titanic, but frugala assured me that this hotel is much older. We went for supper at a restaurant called Aux Anciens Canadiens that is in a building built in 1677!

I was exhausted and we missed out on the horse-drawn carriage ride last night, but we will make up for it with plenty of touristy stuff today. If they needed English speaking math teachers here, I would bolt in a minute. Very hilly here, as you will see in our pictures - so many trigonometry problems!

This post has been edited by frugala.

Wednesday, February 17, 2010

Morning After The Ice Hotel

(Pics to come)

Unbelievable is the only way to describe the Ice Hotel! The "ooh" and "aah" factor in every room was great. From the ice bar to the ice slide to the unbelievable ice artwork, design and architecture, the entire experience was wonderful.

We got awoken at 7:15am with a warm coffee and then frugala and I jumped into the hot tub to begin our day. We also rented a room in the chalet where we are showering before breakfast. We had a great four course dinner late last night so we aren't in a rush this morning (spring rolls, French onion soup, veal tenderloin and cheese cake for desert)

The final question will be about sleeping. We all had "mummy" sleeping bags so we were wrapped literally head to toe. I like it cold anyway and frugala had us dressed properly so I had a far better sleep than the night before. From the hot tub though, some people were wet and cold and unpreared and looked as if this was a once in a lifetime experience. For me, sleeping at -2C was just comfortable. Frugala adds that her nose was cold.

Tuesday, February 16, 2010

I Love All Inclusive

It's 11:07am and frugala and I have had breakfast, a snack and I'm on my first Caesar of the day! Thanks VIA Rail (pics to come). Currently east of Brockville.

On the train to Quebec City

Just a non-financial update...I got married on Valentine's Day and am about to begin our honeymoon to the Ice Hotel in Quebec. I will try to post pics from frugala's iPhone throughout the week.