Not too much to say about April. I have been away from home so my spending as been considerably less. My net worth is finally starting to move upwards. At the end of this month I will be putting whatever cash that is left in my checking account on to my line of credit, minus a $100 for fun.

Cash – Chequing Account $560.12
Cash – Everyday Savings Account $29.50
Cash – TFSA $0.00
Cash – High Interest Savings Account $39.84
Investment – RRSP $4,483.02
Debt – Line of Credit $1534.16
Debt – Car $21,314.16
Total Net Worth -$17,735.84

 

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I have been sitting here thinking about what to write for the past half hour. I just couldn’t bring myself to focus on writing a financed related article. Instead I have been focused on some of the issues I have been having. Which is good I guess, because these thoughts will be the stem of this post. This is nothing finance related whatsoever. So if you were expecting something finance related you may want to skip this post.

I have never been ‘great’ at interacting with people. I am not a loner nor anti-social. But sometimes I find myself not caring about what is happening to other people. This not to say I am not a compassionate person, if anyone ever needed help I would be the first person there. I am talking about the small stuff here people. But I do feel that everything happens for a reason. If you were unable to pay your bill on time – you planned poorly. If you got a speeding ticket – you were going to fast. For every action there is a consequence; bad or good. Very simple concept.

Divorce is a pretty shitty ordeal. Especially for the man/woman who does not want it. If any. Either way it could still get messy. Well, I have someone on my team that is going through a rough time because he is going through a divorce and to put it frankly I do not care. Not one bit. I can understand where his problems are coming from and I help him out as much as I can. I have given him a place to stay for the night, I have been there when he needs to talk, and I have even acted as a middle man for him to grab some of his stuff (nasty divorce). But at the end of the day it is not something I go home and think about.

I understand this probably makes me seem like an extremely bad person. But why should I care about other peoples minor problems like divorce, their cough, their hurt ankle, their missed bill, or their car crash when we have people on this planet who if they were able to receive even just a handful of food they would be forever thankful to you? Should I really care about how your grandmother, after living a full life, died at the age of 82? Should I feel sympathy for you? Should I bend over backwards to apologize and try to make your life easier? No, I will not. I understand that this things affect the person involved, but I do not think that these problems should be pressed upon other people. It should not be the norm that people automatically apologize for things they could not help.

Sorry to come off as a harsh person, but I was talking about this issue with a co-worker and he feels the same way. Since we had a pretty long conversation about it I figured I would bring it to the blog! So…

What’s your issue?

 

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Every once and awhile I think ‘Did I really make the best choice not going to university?’. Trust me, I love my job, the work I do, and my career path. However, sometimes I feel as though something is missing. I have always been an ‘intelligent’ (as if you can measure a person’s intelligence off of grades) person scoring a tad over 98% in high school in my top 5 classes and having a 93% averaging all of my classes. But hey, they are only high school grades right? I also finished top in the schooling provided by my employer which was roughly 960 hours dedicated to one topic. I completed this with an average of 97.6%. I also would like to say that I have common sense as well. My current job requires it. I realize that to many of you these grades mean nothing but still, I am proud of my achievements.

I am very proud of my accomplishments but really, truly – they do not mean anything. If I would go to another employer that required a university/college diploma and said ‘Hey, check this out, I got these grades in high school and am specialized in (X) field’ they would probably laugh in my face. Or completely ignore me. I am pretty sure the latter would be less harsh. If I was in charge of hiring I would do the same thing. Why would I hire a guy with no formal education aside from high school when I can hire someone who has his undergraduate? The answer is simple – I wouldn’t.

As I am pretty sure I have stated (if not on this blog, on others) I am obsessed with numbers and finances. I would LOVE to have a degree in finances. This would allow me to potentially work in the finance field or I could even just use it for my personal knowledge. Both in my mind would be profitable. Especially considering I could potentially get this education for free or for very little money. Mind you, if I decided to venture into this route it would take me at least an extra year to start my studies. Despite this, I still think this would be the best route considering how expensive university could be especially since I would not want to go to school in Quebec.

This is a purely financial decision because if I went to school where I want to go to school (vague eh?) I would save a ton of cash because I would be able to live with my parents (extremely lame I know, but the saving of thousands of dollars is not so lame). Not only would this save me from paying a ton on rent, I would receive food for free. Well, I would be paying $200 for the both but this in my books is practically nothing compared to what I am paying now.

Mind you, this is all speculation. At the moment I have no plans to drop my current career to go to school to obtain a degree in finances. Honestly, this could also be considered a stupid movie considering my current job. I still have another year before I can even be considered for this program but I think it is much better to be prepared than to arrive confused. Who knows, maybe by then I will have made up my mind.

This all leads me to believe that I should go back to school for my personal gain. It could potentially be paid so why wouldn’t I go? Right? But if I went back to school, switched to a job in the financial field, and it turned out to be boring and disappointing. I don’t know how I would take such blow. So I think I will wait the year, apply for the program and see what happens. That is all I can do for now.

What do you all think? Should I consider this more? Or should I keep my current job?

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