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January 23, 2020 · annual goals · 13 Comments

YouTube(油管)的安装、使用、视频下载和国内访问 - 玩个机吧:2021-11-29 · YouTube（油管）作为全球最大的视频网站，拥有来自世界各国的视频资源。今天，我们聊聊关于油管的画质、安装、字幕自动生成和视频下载。 8K 画质与油管支持 8K 60帧相比，国内各视频网站最高是 1080P， …

There are a few reasons why I stopped blogging: 1) I started a new (dream) job and really want to focus all of my energy into succeeding, and 2) I felt like I wasn’t relatable anymore to my peers who were dealing with the financial pressures of having kids, buying a house, paying off student loans, etc. But I think there’s still a small place for me in the personal finance community. I should be proud of how hard I’ve worked on my career, how far we’ve gotten saving for retirement, and how much I still have to learn about growing our money. So this year I’m getting back into it! I miss writing, and I still have a lot of things to say. :)

I’ll start off 2020 by discussing my goals for the year!

Financial

Stay debt-free. Very important!
Save at least 30% of our net income for retirement. Aside from staying debt-free, saving for retirement is our most important financial goal. The plan right now is for me to semi-retire when I’m 52, and fully retire 2 years later when RD turns 57. Right now, we are on track for this.
Save 75% of any bonuses or freelance income. I usually get two bonuses a year, and now that I’m blogging again, I’ll also be taking on sponsorship opportunities. I’ve also turned down a few freelance writing assignments, which I might start saying yes to. Maybe. :) Normally I would save most of this income, but want to be more flexible (and realistic) since we have another big trip coming up this year!
安卓手机上怎么看油管. Last year when we moved into our new condo, we ended up splurging on a bunch of home renovations – including converting our storage room into a walk-in closet and laundry area, and buying essentially all new furniture. This year we want to re-paint our bedroom, buy a couple pieces of furniture (shelving unit + floor lamp), and not-so-secretly I want a new bed, but it will depend on how much we spend on everything else.

Personal

Run in 4 half marathons. After taking about 7 years off from long distance running, I started easing myself back into it in November 2019 and have my first two half marathon scheduled (the first in mid-February, and the second in May). It feels so good to run again! I can run the entire distance in training right now, pain-free … which seems like a miracle. I just want to stay injury-free, so keeping my fingers crossed.
Stay on budget for Japan. We are going to Japan this year for our big trip! We’ll likely go for 2.5 weeks in September, and I couldn’t be more excited. I am super confused about where in Japan we’ll go, so if you’ve been there before, please send me all your recommendations. A rough budget tells me that we’ll likely spend around $8,000 for the trip.
Hike, Hike, Hike. Last year we failed a bit in the amount of hiking we did. Summer just seemed so busy that we were only able to get out a couple of times.
Keep track of fun money expenses. As part of combining our finances, we each get a set amount of “fun money” each month. RD spends his mostly on beer and camera gear, and I spend mine on workout clothes and lash extensions, haha. This was successful in 2019, so am hoping to continue it for 2020. We might increase our monthly allowances by a little, given that my salary has gone up by 30% this year with a raise at my full-time job, and booked freelance work.

Professional

Get my LEED Green Associate certificate.
分享一下油管怎么刷才有效 - Douban:2021-3-8 · 看完之后要清掉油管里面的播放记录三、播放的问题 1.电脑如果用电脑的话要关闭页面上的自动播放键（有些浏览器是要装插件的）要把整个视频看完要保证能够流畅的播完整个视频画质不能低于480p 2.手机用手机的话不要用app 要在浏览器里面打开电脑. This was a goal I had for 2017 and 2018, but the wedding got in the way. And by the time I was ready to get going with this, I ended up moving to a new firm where this certification wasn’t really as crucial. And while that’s sort of still the case, I think it would be good for my long-term development to pursue this certification.
Continue to work hard on my career. Six years ago I was walking downtown with a friend, and we walked past a design studio that I really admired. I commented, “I would love to work there one day,” then realized how dumb that sounded because 1) I couldn’t possibly have the skill set, and 2) the firm was so small how would I even get in? Well just over a year ago I was headhunted for a position at that very studio! I was nervous about succeeding and had a major case of imposter syndrome for the first 10 months, until my boss told me that he thought I was doing a really good job and had demonstrated a lot of growth. So I want to continue on that path and keep trying to push myself.
Redesign this blog. I’m over the look, and it needs to be changed ASAP.

科技上网工具下载安装

June 14, 2019 · property · 8 Comments

In the saga of selling or renting our old condo, we ended up accepting an offer at the very end of March (for full asking price, our Realtor is amazing), and earlier this month we finally closed on the sale. YAY! We expected to walk away with about $200k, and I was super pleased with my calculations because the final cheque ended up being $199,400.:)

But having that amount of money sit in our bank account was a bit short-lived, because we immediately put $70,000 towards our new mortgage (max annual contribution), and then replenished our sad savings accounts (since we had to raid most of our cash to come up with another 20% down payment). The remaining amount is earmarked for a small renovation to our new place, a new hybrid car within the next year (maybe), and to put towards our mortgage when we go to renew next spring.

I was surprised how emotional I was when we locked the door on the condo for the last time. I may have shed a tear or two. :) It was our first property together! And it was a great space … we’d still be there if we hadn’t randomly decided to drop into an Open House back in October. I hope the new owner is super happy in the space.

And even though life is a lot less stressful now that we don’t have two mortgage payments to take care of, part of me is a little bit sad that I didn’t get to try out becoming a landlord! We’ve had lots of discussions about having a rental as part of our retirement strategy though, so all hope isn’t lost. :)

科技上网工具下载安装

March 27, 2019 · job, property, saving money, travel · 6 Comments

Wow it has been a while since I’ve updated the blog.

After Christmas vacation and the excitement of buying a new condo, we got swept up in the madness of getting our old condo ready for Open Houses (which continue to happen every weekend). It was hard to coordinate because for every Open House in the beginning because we had to take our cat Zoey out of the house. She gets incredibly anxious around strangers, so it was a choice between the stress of moving her out the house for a few hours each time, or leaving her to hide and be scared. We chose to take her, and I think it was the right choice.

This meant we didn’t have a free weekend in over two months, but now that we’re in our new place, that stress is gone. :) We’re pretty settled in right now, and in a few months we’ll do a small renovation to create a walk-in closet and laundry room!

Let’s talk numbers

For those interested in the financials, the new condo was $585,000 and because our old condo is still up for sale, we had to scrape together a down payment by emptying out our TFSAs. This was not ideal, but I do realize how fortunate we were to even be able to find another 20% down payment so we could avoid CMHC fees.

We’ve had three offers on our old condo so far, including one accepted, but it fell through. And once it does sell, after all associated fees are accounted for, we should walk away with around $200,000.

We discussed our mortgage options with our Mortgage Broker, and decided to go with a 1-year mortgage on the new place. This means we’ll only have higher mortgage payments for one year before we could dump the proceeds of our old condo onto our new mortgage and lower our payments. This would lower our mortgage payments from $2,150 currently down to $1,650, and help us stay on track with our goal of early retirement.

To rent or sell

Financially, we were approved to carry both condos without renting the old one out, so we are fine financially. We aren’t pinching pennies by any means, but we are saving less than we’d like to, so there’s that to consider. There’s a lot of interest in our condo, so I feel like it’s only a matter of time before it sells. BUT, we’ve decided that if it doesn’t sell by the end of May, we’ll pull it off the market and rent it out for a while. The rent we’d get from it will more than cover all associated costs, so it makes sense. But of course, our preference is to not have so much of our money invested in real estate.

Work!

I have finally passed probation at work, and recently received a small bonus. :) It’s been quite challenging moving into a new role at a small firm. It’s a huge learning experience, and I’m grateful for it because I’m working on a lot of things that I normally would not be involved in. The work is harder, and it’s a lot more stressful, but I’m happy and still feel incredibly lucky for the opportunity.

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RD and I have booked our flights to Mongolia! We aren’t leaving for another 5 months, but I can’t help but get a little excited now that we have a confirmed departure. We spent $2,590 on two round-trip tickets, and I immediately put $800 worth of travel rewards towards the flight, and applied for a small adventure bonus through my work, which should help offset the cost of the flights.

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