Hello everyone and welcome to my October net worth post. How was your September? For me, September was a good one on the health and work front. School’s restarted here and I work as a custodian in one of my local school boards, so far everyone is safe and healthy at my school. On the financial front I spent more money than I normally do which I will share with you below. Also the stock market was more volatile and took my investment portfolio lower.
Cash & Savings ($7,561.41) – $146.74
RBC
| September | October | Change | |
| Cash | $208.45 | $191.92 | -$16.53 |
| Emergency Fund | $2,000.17 | $2,000.25 | $0.08 |
| Total | $2,208.62 | $2,192.17 | -$16.45 |
Not much going on with my RBC accounts. My cash account is money I have set aside to go towards my credit card bill when it comes in. I earned a big $0.08 in interest for my emergency fund. I should really look to see if there are better options out there to increase the money I earn in interest.
EQ Bank
| September | October | Change | |
| Yearly Bills | $1,601.85 | $1,315.97 | -$285.88 |
| Car Fund | $724.12 | $775.18 | $51.06 |
| Travel Fund | $2,076.49 | $2,129.44 | $52.95 |
| Future Housing | $1,097.07 | $1,148.65 | $51.58 |
| Total | $5,499.53 | $5,369.24 | -$130.29 |
In September I didn’t put as much away in savings as I normally do. I spent a bit more money this month on a couple of things. The first being I bought new snow tires and rims for my new car that cost about $1,050 and the second biggest expense in the month was my annual subscription to Globe to Go the digital version of the Globe and Mail newspaper which cost after taxes $330.
Investments ($182,401.78) – $3,736.16
| September | October | Change | |
| RRSP (RBC) | $117,015.73 | $114,632.33 | -$2,383.40 |
| TFSA | $63,243.16 | $61,878.82 | -$1,364.34 |
| LIRA | $4,978.27 | $4,704.14 | -$274.13 |
| RRSP (WST) | $900.78 | $1,186.49 | $285.71 |
| Total | $186,137.94 | $182,401.78 | -$3,736.16 |
Due to the volatility of the stock market in September my portfolio fell in value by 2.01%. Their was one positive in the month the first being that my portfolio received over $700 in dividends. Also I made a number of changes to my portfolio particularly my TFSA account not sure how it will affect the growth over time.
Car ($24,000)
I own a 2020 Hyundai Kona which I bought in June. I plan on updating this annually.
Liabilities ($26,991.63) – $1,673.10
Car loan ($22,541.63) – $323.10
Loan ($4,450) – $1,350.00
I continue to make bi-weekly payments on my car. I did however this month decide to make an extra payment of $1,000 to my parents to help payoff the loan to them.
Net Worth
After five straight months of gains my net worth saw a decrease of 1.17% to its value due to the stock markets ups and downs in the month. With the stock market making up so much of my net worth I expect these things to happen.
Hope everyone had a great month!
Thanks
Matthew
All About The Dividends 
Wow. Interesting.
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A yearly subscription to Globe and Mail is $330? These guys are greedy!!!
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Ya they are expensive but I still enjoy reading the paper (digital)
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