Happy New Year!

Year 2008 is over and we are starting a new year again. Lots of things to do, good thing I have updated my 2008 networth but has not posted it yet here. I will soon, promise. I also need to post my Holidays expenses so as to compare with my old post about expected Holidays expenses. I will do that soon too. I just need more time.  I have started my French class as soon as I came back from vacation so I’m still busy ironing things out in work, school & home.

Anyway, I got a raise from work. Nothing to be so enthusiastic about, just the usual annual raise, 3% of the salary plus the adjustment. However, we had a market adjustment this year, a dismal sum of $2,500. Something to be thanked for also but I’m still not satisfied with what I’m getting.

So, I raised my emergency fund’s ASP amount from $200 bi-weekly to $250.  Now that makes me feel good! I plan to reduce my expenses further from 2008′s $17,616.76. How can I do that? maybe in Misc expenses & gifts. I had a lot of expenses this Holiday 2008, I could have been more frugal if I had the sense at that time. I guess, I was impulsive when I did the expenses.

Anyway, I also started my TFSA 2009. I opened a new account with ING with 50% of the maximum, $2,500.  I plan on putting up the half at TD using index funds, contributing monthly of $200.

OK, that’s it for now.  I have started 2009 well financially and hope it will reciprocate to what I desire most soon, personally, i.e., finding my partner for life!

Bonne Annee mes amis!