Will I ever become the frugal girl I used to be?

It's always quite difficult to see the TSX doing down, but seeing it sliding below the 16 000 points is not fun. However, we were lucky enough this past Friday, the TSX closed the session in the 16 100 points. These days, volatility is in the air. I like my TSX when it's easy to handle and steady. These days, the stock market is not an easy place to be. It's sad, but it's obviously not right on time for my 39th birthday that I am going to get my hands on a 300k net worth or even 250k, but it doesn't really matter. Better luck next time! More than grow, I am concern about keeping myself at flow, without facing too much loses. This past Friday, my non-registered portfolio closed at $109,963.02, my TFSA $77,680.60, and my RRSP portfolio at $45,390.34.

While facing such volatility, and maybe an upcoming recession, I had been closely looking at my stocks. Currently, my margin debt is of $43 000. Following my smart sell move involving Lightspeed POS Inc. (LSPD) inside my TFSA portfolio, I now have more than $1 100 cash that is comfortably lying in there, doing there. At this time, I have no investment plan, I had nothing I want to invest in at this time. Among with LSPD, another investment I made at the same time inside my TFSA was Brookfield Asset Management Inc. (BAM.A). I still have BAM.A inside my TFSA portfolio. For that one, I have in mind a long term investment. BAM.A is still strong despite the recent market shakers. One option for my TFSA cash would be to transfer the amount over my non-registered account, to help pay down my margin. I had big problems big time to pay down that fatty margin, so why not?

Other than that, I had been looking at the possibilities of selling the Savaria Corporation (SIS) stocks that I hold inside my non-registered portfolio and pay down my margin. That way, I could bring my margin to somewhere in the $36 000. Since 2018, SIS chart had been going down. Luckily, for the SIS stocks that I hold inside my non-registered portfolio, I am still - at least for now - experiencing a capital gain. In my view, Susan Brunner analysis of Savaria Corporation (SIS) is mostly positive, but SIS StockRank on Stockopedia is so-so, SIS had been on a declined since last year and we may be facing soon a recession. I am currently more on a sale mood for this one. I may proceed, I don't know for sure yet.

While browsing on Stockopedia this evening, I find a new stock: First National Financial (FN). Despite this new finding, I am more interested in the idea of paying down my margin rather than investing in a new stock - which is really unusual coming from me. These days, I try not to be much concern regarding the market volatility, but fact is, I absolutely hate it.

I had spent a lot of money in July. I must admit, it's quite hard to get back in the roll of saving money.