My American Express card balance is now 0$

I am quite happy because the year 2014 is starting on a positive note. I have paid off my American Express. The minimum monthly payment had went through just a week ago, so the amount needed to clear it off completely was $2 284.19, and its now paid off! I have an extra income coming from work, so I was able to pay it all in fresh cash, without touching any dividend income.

I have sell my Keg Royalties Income Fund (KEG.UN) investment, which was from my TFSA. I decided to sell because I was getting anxious about it, and I can no longer lose money on the market. I now have an extra $824 to pay off my debt of whatever else. And I am actually now thinking about my BMO credit line.

I had forget to pay the line in December and I get a call from BMO on Friday early morning asking me what happen and why it wasn't paid off.... It was the first time I was skipping a payment and I just forgot about it. The BMO representative was laughing stupidly over the phone. So I taught: to myself: your F Quebec idiot, you'll see what you'll get! I AM GOING TO PAY OFF THAT BMO CREDIT LINE and BMO won't have any of my business anymore. I even received a telemarketing card regarding my BMO MasterCard and guess what: I was asked to confirm the last 4 digits of my credit card over the F PHONE! I am not an idiot. I am not a F Quebecker. I don't like telemarketing calls. BMO always had been crushing and pushing too much sells, here's another example. When they don't try to sell unneeded credit insurance, it's something. BMO is not a serious financial institution. BMO staff are only a bunch of suckers.

I never injected more than the minimum payment on that credit line because the interest rate was so low (less than 5%). And more than that, I withdraw, each month, the amount left available. So in a way, I am not a very good payer. Depending of what my margin look like, I could possibly inject December and January dividend monthly over the credit line. And I could possibly get this credit line paid off very quickly considering that my balance is right now of $4 800 and that I have at my disposal a fresh $824 to inject in it. So go figure. I won't let any Quebeckers have the last word on me. GO TO HELL QUEBECKERS. 

Other than those Quebec idiots, I also have my student loan, but its not in my plan to pay it all quickly, unless my Loto Quebec Celebration ticket make a millionaire out of me tonight! (I am updating a post I began to write this last Friday, but I didn't even check my Celebration ticket.)

Now that my American Express is paid off, I only have left my CIBC card. I have a 0% interest for 6 months - it will expire in May. I plan to put some money on my credit line and once May come, I will pay off my CIBC Visa... 

From now to May, all my money moves are all pretty much set up. For May to December, its more than $11 000 I will have available, so I will have enough money to pay for my student loan. Ans after that, I will leave a 1k on each of my banking account to avoid the fee and following what.... I won't have any credit line, credit cards or student loan to pay, only a good looking stock margin. So I think it can worth the path, even if this mean that I will only have left something like 5k to invest...

Courage, courage.