Looking to put another 4 000$ in term savings redeemable

I have now have more than 9 000$ in my bank account. Since I just start a new day job, I don't want to put the money at risk. So I plan to put another 4 000$ by Monday. It's something I wanted to do for a long time. It's only take a phone call, but there's thing like that sometimes that get hard to do. It's lazyness from my part. Somtimes, the smallest little thing get hard to do. Like activate a credit card...

My RBC credit card is now activated. It took me a couple of weeks, but now it's activated. Since I have more than 5 000$ in RBC mutual funds, I am eligible for a free account that will let me buy any mutual funds that I want. Now, I need to get an apointment to open that kind of account, which hasn't been done yet. I hope maybe by the end of 2007...

I find myself a new day job

I find myself a new day job on my first week of "active" searching. I have to put here "active" because there's been time while I was a job seeker, but I wasn't actively searching. Without putting too muh details here, I will only say that it's a job in call center. Most of the call are in English, which is quite challenging for me. The pay is only 12$ per hour, but until now, it get well with my other job that I have.

I am working from 8 to 16 on the job in the call center and from 17 to 21 on my other job, which is also in a call center. I also work Saturday and Sunday at the second job. So far so good, I am too much tired and stuff, but it get complicated at the ends to organized, but it's not that bad. So I plan to have an income for a little bit more than 600$ after tax in the upcoming 2 weeks.

I just hope it will work out at my new job. I just want to stabilize my situation, I am tired of jobs and contracts searching all the time. If I am still on my day job until the end of December, I will be bale to pay off some credit debts and put 5 000$ in my RRSP. I begin to think where to put my money for my RRSP. The search begin.

Searching for a job

I am currently been doing a lot of search so I can find a job before December. I am getting tired of it. I am ready to do almost everything. It's a good thing I have at least the unemployment benefits because I am really getting tired of all the job seeking thing.

Anyway, so far so good. I got an interview today. I will have one tomorrow.

I should go to bed for now because I have to wake-up tomorrow...

My life as a job seeker for now is not easy.

Getting slowly out of debt

I just paid over 1 500$ in credit card debts today. Outch! I just begin to realize that it's a lot of money! I am proud that it's been paid of. I just had put over 1 400$ in checks that I had and that I couldn't depose because I didn't have the time previously. So now it's done.

I am missing Internet at home so I am at a cafe and I through I should write a couple of lines to shear me up a little. I had spotted a couple of jobs, I just need to apply to them today and give a few phone calls later on. I just hope to be able to find something near a metro station. The great thing about being in Montreal is everything mostly French, so I don't need to get too nervous about an English résumé. I do have one, but each time, I am anxious it might not be written properly. There's a difference between writing for fun on a blog and writing a professional résumé. Anyway, I will only upgrade my French résumé for now.

The good thing about my situation is that I have, since last June, unemployment benefits. So I don't have to stress that much if I don't find a job right away. I used to have one day job, and an evening and weekend job. I gave up on the day job yesterday for different reasons and I plan to fill something about it because of the different things that happen to me there. I believe I will be able to receive as much as 7 000$ for different things that had happen and that I won't write down here. I have a co-worker of mine who got unfairly fired. I didn’t get fire, but something being unemployed is better than being employed. Anyway, I only was receiving about 400$ after that from that job. I might receive unemployment benefits this week.

Anyway, it's not those small little things that will slow me down for now. I am happy to be able to pay off some debts even if my employment situation is not super great. At least for now.

My mutual funds are all in the red for now...

My mutual funds are all in the red and right now, I didn't make any money out of them. I had more than 10 000$ in mutual funds and I begin to think it might be too much. I begin to worried recently, knowing I can loose everything in a day, or make a few bucks in a day.

For now, since it's all in red, I will try to keep it this way. But I also worried because my situation as a worker is quite not stable and now that my rent is a little bit more expensive than it's use to be, I barely don't know what to do with myself...

I have a job interview this evening. Since I am currently working (I am at my break right now), the recruiter wanted to see me in the evening. So I believe it's a good sign. I will learn more this evening.

How fast will I be to reach my first 50 000$?

I am only missing about 16 000$ and something now in order to reach my first 50 000$ and I am geeting excited about it! My situation is getting back on track I believe. I have a job interview on Monday for a new day job (since my present contract ends on December 4) and I work tomorrow and Friday evenings on what use to be my everyday-of-the-week-evening-job. It will make a little extra. I really need money to cover my moving expenses and everything that come with it. I am getting Sympatico Internet soon. I should get it by next week.

I am getting so use to run everywhere, and when it’s stop, I just don’t stand myself. I am too use to work on the evening. When I get back home, after my day job, I wonder what I am doing here. Why am I not at work? So am checking here and there for another evening job. But I have to say that I am getting use of being off on evenings. I get in bed early and I wake up early enough to eat breakfast and make myself coffee that I can drink before getting to the job. My main goal now is too reach my 50 000 bucks as soon as I can and I can’t afford lossing time and money on a job place that only use me as back up because I am not able to be there on time for the evening shift, whatever the job is about.

My situation on date of November 5, 2007

I had move this Saturday in my new place. The apartment is kind of quite. All my stuff fit in it. It has a few furniture in it, bridge stove, bed, mattress, a small table and 2 chairs. I was quite happy to finally move in. The moving cost me about 130$. Add to that the cost of some stuff that I need to buy, but it didn't cost me more than 200$ so far.

The place is very quite, even if it's not far away from St-Denis. So I believe I have a good deal.

Now, that I am all fix, I can now concentrate in my job search. Unfortunately, for my evening and weekend job, I can only start at 17h in order to be bale to do the evening shift, witch is quite impossible for now. The soonest I can arrive is 17h30... Anyway, every week, it's between 150$ to 200$ that is missing in my pockets and it's disturbing me, knowing that my day job contract will end on December 4. But I am quite lucky, because I have the unemployment insurance that I benefit since last June. But since June, the only thing I got from the unemployment insurance is something like 350$, because I had been working the whole time. So I believe that if I don't work after December 4, I will have the unemployment insurance, which I can receive as much as 410$ weekly. Anyway, for now, I can only work during the weekend on what use to be my evening and weekend job.

Now that I am no more working during evening, I will try to find another evening job. That's the only thing that is going on for me at the present time. I also plan to do some search for my RRSP, where I should put my money for this year. I will try to do better than last year. Last year, I was way too much at the last minute. The goal for me is to be able to find at least another day job that could start on December 10 and than, I will be able to invest the amount I am able to put for this year in my RRSP. So for now, it's all about planning.

Picking the best mutual funds is now easier than ever

I had been checking over MorningStar today and I was quite excited when I find out about their new Fund Analyst Picks.

The site present the picks of their analyst. So no more guessing or searching for beginner. That is the list I had been waiting for!

Only one of my mutual funds is in the list. And it's RBC O'Shaughnessy Canadian Equity Fund. Of course!

When everything seems to go wrong

I wrote this blog title in regard with what have happen lately in my personal life. I have to deal with a moving that's coming early on November 2, a contract ending on December 4 and, like if it wasn't enough yet, trouble at my evening and weekend job.

My moving come at a very bad time. But it's not because I am living on contract that I don't need a roof under my head. As soon that problem is solve, well it's partly solve in a way because I have find myself a place to live, I already pack most of my stuff. I am all ready to go, I just need to actually do the moving. It will be done this Friday.

But even before Friday, I will have to see what's happening for my evening and weekend job. Usually, I was able to give the hours that I could do. I usually do between 20 to 33 hours at that job. I had just learn this evening from a co-worker that the situation had changed and that we were not able to do that anymore and that we had to respect fix schedule if we wanted to work. The problem is that their evening shift start at 17h. But unfortunately for me, until December 4, I cannot be there at 17h. The earliest I can be there is 17h30. And I prefer to say 18h to make sure I don't arrive late.

Anyway, I don't know what much about the changes made because they had a reunion and I haven't been able to attend, since I was at my day job. But they new about it. I guess I will learn more this Thursday, when I will give my hours for next week.

Everything was going fine and I really didn't need a problem like that at this time. I need a flexible evening job. I don't have any problem for Saturday and Sunday, but a problem appear for the evening shift. I need to make an extra 300$ weekly and at that job, I was able to do so. Those extra bucks paid for my living expenses, the rest can go for savings.

I barely know where I am going right now. It's a good thing I had been able to put some money in savings. It's a security, knowing that I have money waiting for me in case of need. All those problems affect my financial situation and I am kind of all stress out right now between my moving, a job that my schedule might had to change and a job endings in December.

My best picks...

They are :

RBC O'Shaughnessy Canadian Equity Fund: 3 445.13$
[Initial investment: 3 000$]: +445.13$
RBC O'Shaughnessy All-Canadian Equity Fund: 1 174.14$
[Initial investment: 1 000$]: +174.14
Fonds Desjardins Fidelity Frontière Nord MD: 1 337.20$
[Initial investment: 1 000$]: +337.20$
Maritime Life Fidelity True North Seg Fund: 1 137.39$
[Initial investment: 1 000$]: +137.39$
Desjardins Energy and Base Metals Term Savings (Indexed term savings): 636.37$
[Initial investment: 500$]: +136.37$

So far, my best investments are with the Canadian mutual funds.