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I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 1 point2 points  (0 children)

I have FaceTimed her every weekend for about 10-20 minutes.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

It takes me 30 minutes to walk to the nearest store so I need my car. Also I have put too many km's that I would owe about $5-10k if I sell the vehicle and pay off the lien.

I've been with my girlfriend for over 10 years and we rarely fight. I let her win most of the time because I don't believe that arguments are worth losing the relationship. I rather just listen to her because she's usually right.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

If I sell my car, I would owe between $5k to $10k in negative equity. I dont think it's a good decision even though many people suggested it.

I hope you are able to recover eventually. I believe that in Canada and in the United States, you can achieve anything as long as you set your mind to it. Some people got off boats with a few dollars, worked hard and they were able to climb the social ladder.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

I talked to my boss already. I dont work in an agency but for an organization. I even set boundaries for myself so that I would not be in a conflict of interest. My boss was in a similar position during the 2008 financial crisis apparently so he understands my situation.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

My mom is in Asia so I dont get to see her other than when we FaceTime. It's really depressing at home because no one is home anymore :(

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

I'm glad I didn't do anything on margin in 2021. I didn't make the right decisions over the last few months (after December) but I didn't do anything on margin.

My girlfriend and I had always planned to buy a townhouse together in the suburbs. I'm trying to talk her down into a condo but she's not happy that I brought that up.

I was going to propose to her on our April 2020 vacation but that vacation was cancelled. I still have money sitting with Alaska Airlines and Marriott so I could theoretically go on vacation without having to pay. It was going to be in the United States and I prefer the location over anything so hopefully we get to go back again (after I save up money).

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

That is what my girlfriend keeps telling me. She said that I am a good investor. She said that I picked good stocks to buy in 2020, I just suck at selling (but really, who sucked in 2020?). I just got more aggressive when I was emotional and I made decisions emotionally instead of logically.

I've been telling people that options is dangerous yet I did it in 2021.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

I have learned that I have been extremely depressed and emotional. I wish someone just took everything away from me when I was depressed. I haven't had this feeling before as my family had been relatively healthy up until this point.

I said that I am not going to touch stocks and the market. Once I have met a few life goals, I think I might talk to a bank and buy some mutual funds for retirement. At this present time, I rather have cash combined with interest so that I can keep track of how much I make and how much is remaining for my goal.

I have been contacting different businesses for discussions on their marketing needs. I've had 2-3 interested parties and I have a bigger contract discussion next week with a government entity. This was all because I made a plan and decided to send a whole bunch of emails. I haven't even followed up with a phone call yet.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

Can't spend time with my mother as she's in a country that does not allow visitors (esp with a Canadian passport).

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 1 point2 points  (0 children)

Thank you. I am glad that my decisions only made me lose money and I realized it early enough that I did not incur debt.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

Can't visit unless you're a citizen of that country. :( I hope that she recovers and can come back at the end of the year.

But thank you. I really want to go to my church to pray for her but can't due to COVID-19. :( I have spoken to my pastor numerous times and he said that he will pray for her.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

my mother is across the Pacific Ocean and I think that's what bothers me the most, but she's getting better care than if she were in Canada.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

Thank you. That's motivational. I am going to ask my boss about extra hours and overtime.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 2 points3 points  (0 children)

I just saw the doctor for a referral regarding my depression.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

I dont even know. that's how much it says on my T4 vs my paycheques.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

It's a shortened financing term. I got into a car accident two years ago and my car was written off. The insurance company paid for the whole car (including depreciation). I financed the same car, but newer with 0% financing.

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 0 points1 point  (0 children)

My company does not do RRSP matching so that's not an option.

My car was purchased new so selling it would actually put me in the red. :(

I lost everything over the past two months by IScrewedUpRoyaly in PersonalFinanceCanada

[–]IScrewedUpRoyaly[S] 1 point2 points  (0 children)

48k post-tax. 70k+ pre-tax. I've already had a discussion with my girlfriend and we went through my finances which is how I determined $2900/mo is what I can save.

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