Ah, New Year's Day. You are so much better than New Year's Eve. New Year's Eve was spent in a weird funk, wherein I did not feel like doing anything and had to rally my strength to even go out for dinner with friends. As it is, I left before midnight, pleading general malaise. I was in bed just as 2011 was being rung in.
But New Year's Day, well,
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Are you mostly going to be working out with the Wii? I've found that helps, but we're going to get a treadmill, too.
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I will be sticking to the Wii for now, and we have an exercise bike that I never use. We don't have room for a treadmill.
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I'm not a financial adviser, but if you have problems spending everything that comes in, consider "billing" yourself after every paycheck and sending that amount to an investment account. At your age, I'd recommend a stock index fund like the Vanguard S&P 500, assuming they do business in Canada. Then, as you get closer to retirement age, you shift from equities into bonds or preferred stocks that throw off income instead of appreciating in value. Vanguard and Fidelity both have very good sites that help you figure out what you need to save and what mix of assets to invest in at a given age.
Happy new year!
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