With spring approaching, I am trying to spend more time walking outside and less time on my laptop, although there is still a lot of snow left to melt away. It has been a long and cold winter, but we are not completely done with it yet. However, one clear indication that spring is coming is the fact that there is less and less wood in the basement. One thing is certain: the worst of winter is now behind us, and I couldn't be happier. I may not post as frequently as I did during the month of February, as time passes quickly when you try to walk at least 90 minutes a day and work full-time. Work has always been busy, but now it's becoming a bit more intense.
I have a lot of decluttering to do in both my bedroom and the basement, where I have stored some of my belongings in boxes. In the basement, there are about six boxes and one suitcase, while my bedroom is filled with my own possessions and items that belong to my parents. Since I haven't lived with them full-time since my early twenties, my bedroom has become a storage space for my parents' belongings. I always kept some of my belongings in my room, and over time, as I moved out, some of the drawers were emptied, and my father started using them to store his things. I never had a problem with it, but I found it very amusing the first time I noticed my father's belongings invading my room. Soon after, my mother's clothes filled up the wardrobe, which was also okay with me.
The other half of my belongings are in my apartment in Montreal, where I will be reunited with them sometime in May. Time is flying by, and I really want to get my decluttering done before I leave for Montreal. I don't have too many clothes, but my thing is papers - A LOT OF PAPERS - and books. My old folks want eventually to sell the house if they can find an apartment and I really have to take my decluttering seriously and take some stuff with me when I will be leaving for Montreal. Papers and books are heavy, so I have a lot to do here. As always, I do things my own way, including decluttering. I write down everything that needs to be done on my cellphone, and I tackle the clutter in sections, doing one section at a time.
I started spending the months of October to May in New Brunswick last year while we were dealing with the pandemic. During those months, it's both my father's and mother's birthdays, so I thought, why not? It went well last year, so I decided to repeat the experience this year. Even though I still have to pay my monthly rent for my Montreal apartment, I save a lot of money while spending the winter in New Brunswick. I don't do a lot during the winter in Montreal anyway since I'm not a winter person. I am trying to make the most of my stay in New Brunswick by controlling my expenses.
This year, I did my 2022 taxes quite early, and I am already done with the process. I had estimated a tax return of around $1,000, but I will be receiving a return of close to $850. With that return, I will only be missing less than $700 before reaching out for the $20,000 in savings. In 2022, my income exceeds $80,000. I always thought that anything over $70,000 was an extra-large income, but even at $80,000, I find that it's - of course - a good salary, but it's not as much as I imagined.
Recently, I made a small investment in my US portfolio by investing in CSX Corporation (CSX). The overall chart of CSX is very strong. Take a look for yourself:
Unfortunately, the TSX closed well below the 20,000-point mark, at 19,774.92 points. My US portfolio closed this past Friday's session at $5,115.27, my RRSP portfolio at $64,400.42, my TFSA portfolio at $125,291.34, and my non-registered portfolio at $144,767.61. My margin account debt is now at $44,029.98, and my dividend income is at an annual $12,208.59. I currently have over $7,000 in my main chequing account, and I am looking forward to transferring some of that money to my margin account debt.
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