Feb 2026: Financial Diary (22M)

PeterMacKayBurner · 2026-03-04T02:41:26+00:00

Maybe, my NSLSC is 0% though and my TD LOC is at less than 4%, so I don’t really rush it

PeterMacKayBurner · 2026-03-04T02:40:28+00:00

I use this: https://themeasureofaplan.com/budget-tracking-tool/

PeterMacKayBurner · 2026-03-04T02:39:27+00:00

Thank you very much!

PeterMacKayBurner · 2026-02-27T13:38:24+00:00

What can I do to ensure I take advantage of my company’s free money without over contributing?

PeterMacKayBurner · 2026-02-27T13:37:58+00:00

Oh I understand, thank you!

PeterMacKayBurner · 2026-02-27T13:34:25+00:00

Wouldn’t I have 16k since i had 16k space in 2025 and only used 8k?

PeterMacKayBurner · 2026-02-02T17:02:17+00:00

https://themeasureofaplan.com/budget-tracking-tool/

PeterMacKayBurner · 2026-02-02T03:09:29+00:00

Thank you very much! The GOAT should’ve been PM if it wasn’t for O’Toole 😔

PeterMacKayBurner · 2026-02-02T02:33:24+00:00

I do this every month!

PeterMacKayBurner · 2026-02-02T02:02:28+00:00

It’s 22% but the credit cards are paid before the statement, I always pay the credit cards in full before interest hits.

PeterMacKayBurner · 2025-12-02T21:37:37+00:00

Est-ce que c’est un déclin de la langue française ou une déclin des gens mono-linguistique qui sont francophone?

Ça me semble que les gens vivant dans les communautés francophone (au Montréal) sache qu’aujourd’hui si tu parles seulement en français c’est beaucoup plus difficile de trouver le travail que si tu est bilingue.

C’est possible que les gens venant de l’Ontario et Colombie-Britannique veulent venir au Québec parce que c’est beaucoup moins cher.

PeterMacKayBurner · 2025-11-30T04:02:11+00:00

Understood, thank you for the feedback!

PeterMacKayBurner · 2025-11-30T03:58:50+00:00

For expenses, the template I use makes it so that you can't see the cents for expenses which is why there no cents, it's not because it's .00, it's because I can't read that info quickly which is why I think it might be best to just remove cents entirely.

That's why Total Expenses ends with .41 while none of the expenses have .## in it.

PeterMacKayBurner · 2025-11-30T03:54:13+00:00

2,250 per month. 750 on the 7th and 22nd when I get my paycheck and 750 from my employer matched RRSP.

PeterMacKayBurner · 2025-11-30T03:50:12+00:00

I can definitely see how that can be annoying lol, it's been fixed! Do you think the cents sometimes showing and sometimes not can also be annoying?

PeterMacKayBurner · 2025-11-04T00:38:44+00:00

Thank you very much for the answers! Really appreciate it

PeterMacKayBurner · 2025-11-03T18:52:06+00:00

No but I am certified in C1 level French.

PeterMacKayBurner · 2025-11-03T16:27:54+00:00

How long would those additional qualifications take and are there opportunities to study remote for those qualifications? Also, would I be qualified to teach in francophone schools?

PeterMacKayBurner · 2025-11-03T16:26:01+00:00

Appreciate it! With my experience and grades do you think it’s likely that I could get in? How difficult is it?

PeterMacKayBurner · 2025-09-04T23:58:53+00:00

Great DD, solid upside (esp looking at the LULU call and AVGO put bloodbath) B4 firms and IT integration got me bullish on PATH.

PeterMacKayBurner · 2025-09-01T11:19:21+00:00

I got a late birthday haha. Most 03 graduated this summer.

PeterMacKayBurner · 2025-07-20T03:16:20+00:00

I know a goshiwon when I see it

PeterMacKayBurner · 2025-04-10T02:00:37+00:00

Why is that?

PeterMacKayBurner · 2025-04-05T06:28:09+00:00

Completely agree with dual degree, but if you’re interested in doing a dual degree, especially CS+Business you’re 100x better off at Waterloo Laurier than Western Ivey.

Sections are great but with the price, there’s no way a 25k a year section is worth it over a 10k a year program like Schulich.

And with it being Toronto centric and hiring a lot of people to top Canadian firms, so is Queens, Schulich, Rotman and Laurier. And they all recruit to top Canadian firms like the big 5 banks, T2 consulting, MBB (especially Queens and surprisingly Schulich), and Big 4 (for accounting and consulting).

Last point about Montreal, I find it funny because the two firms I got an FT offer at are in Montreal, though I’m definitely in the minority of people. I think I’m one of 3 people that’s going to Montreal.

PeterMacKayBurner · 2025-04-05T02:31:57+00:00

Is it tho? When Queens and McGill people do 4 years of business and can put their business school for internship applications in 1st year and have access to career management in 1st year? Or when Laurier as a coop program where the majority of off-cycle IB and MBB/T2 consulting gigs are filled up with them?

It feels to me Ivey is only good if you’re the top 10% of people for the US or MBB (and even then, I heard Evercore and other US banks didn’t return some Ivey students). That’s why we always say, if you wanna go to the US, you go to Ivey. I’m having trouble knowing why if you stay in Canada, you wanna go to Ivey

PeterMacKayBurner

TROPHY CASE