[EvoFire]

Originally Posted by BIC_BAWS

Nope, I don't drink. Well.. I make 2 exceptions/year but I don't pay for alcohol. A few years ago I got a stomach lining issue following the vax + binge drinking during lockdown, so alcohol had to be cut out completely.

Tho I am happy to report that I've been completely sober from weed for about two months and I feel a lot better mentally. It's nice to be able to think clearly. Kinda felt like a fenty zombie for a bit.



I wonder if it is the smoking that is resulting in this high of a life insurance premium. At the time, ten years ago, the difference wasn't that drastic, and my rate hasn't changed.

I hold two policies:

CanadaLife - $1014
Equitable - $2,266.04

I don't remember why I carry it.. aside from I've been paying it for the last ten years and it feels like a waste to cancel it now that im at 50% paid.

Smoking will definitely make your premiums higher as it's much higher risk. Ditto if you carry CI coverage

Originally Posted by BIC_BAWS

I think I was coming close to $35-80/meal depending on where I was. I like appy + main lol. And then there's the opposite spectrum with AYCE.. but man that's gotten a lot more expensive than in the 2010s.

Part of it is also the smoking weed thing, which by not doing, I'm hoping will help with not overordering or wanting to go out and eat all the time. Tho I'm starting to realize this probably has smt to do with mental state of being as well.


In 2020, I was doing keto (which I'm tempted to do again), it was around $6.23/meal. Tho I was buying the cheapest of meats at Freshco.

I still eat out like I do when I was in university most of the time. Get the main, don't get an appy most of the time. Only occasionally do I get a drink with it, usually cause we are doing something special do I do appy/main/drink

Chinese cafe drink included meals notwithstanding

Cheap crap but fresh meat is still better than canned meat any day.

Originally Posted by BIC_BAWS

I should be making about $10K more after tax with the new job.

After tax or before tax? Makes a huge difference.

Originally Posted by BIC_BAWS

I think a happy medium number would be 2-3, but at one track. Doing the track roulette isn't it. It takes me 1 full day to get reacquainted from prev year, so it makes more sense (and I find more fulfillment) in focusing on one track.

Then pick a track and budget it in. You'd be kicking yourself if your friends are hitting the track but you don't have budget for it.

Originally Posted by BIC_BAWS

Yep, I don't have enough cash flow to keep the minimum balance required - I think for BMO it's 6K? I primarily bank with Simplii anyway, I had the BMO open for investments that I liquidated a few years ago and then they gave me a LOC. I'm not sure if I can retain the LOC, but cancel the bank account.

Should make this your main priority and get the premium credit card that fits your needs, whether it's cash back or points that go towards something that matters. My cash back card + the fee savings easily makes about 15% or more of the $5k deposit I have.

Even if you subtract out the normal cash back value I'm still easily 10%.

I wouldn't care about BMO taking your LOC away as most banks will grant you an LOC if you ask, the question is the interest rate. If you have you mortgage with a major bank, they'll give you an LOC anyways.