The Resolution 2018: Wrap-up

res·o·lu·tion /ˌrezəˈlo͞oSH(ə)n/noun  
1. a firm decision to do or not to do something
2. the quality of being determined or resolute.

A “New Year’s” Resolution is just one way of making resolve

It takes resolve to see something through. A “New Year’s” resolution is simply a pledge to take something on at the start of a New Year that you intend to maintain throughout the year (or beyond). But we take make all sorts of resolutions of all shapes and sizes at any time we like. The turning of a New Year is simply a convenient tracking marker.

This year, I plan to focus much less on updating my blog with monthly spending updates, as they became the crux of the blog by the end of the year. The intention of The Resolution, of course, was simply to find out how much I really spend, on everything, which I have more or less done.* I will try to get back to writing about my journey to financial freedom and the meaningful adventures I make and things I learn along the way, while applying resolve in many other important aspects of my life and financial journey.

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Indexing: A Timely Check-in

With the passing of John C. Bogle recently, it is as timely as ever for this blogger to do a little quick-take on his investing strategy and to make sure all is still in line with his goals and beliefs.

Bogle, of course, was the man who pioneered the Index Fund, an investment vehicle designed to mimic or track its respective Stock Market Index. This index can be a particular part of the market, such as, say, Information Technology (VGT) or, say, all of the US stock market (VTI) by bundling many companies together in one ‘stock’ that an individual can purchase at a relatively low fee in comparison with hiring an active money or mutual fund manager.

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The Resolution: December 2018

chart (11)

Ok folks.   Here it is.  The last entry of the 2018 Resolution series, and the last time (in 2018 anyway) that I will call you all folks.  This was just a small part of the blog at this time last year, but is currently all I am posting as I have found myself wrapped up in other creative pursuits with my free time such as a renewed focus on photography and have been learning some graphic design skills through online training in the Adobe Creative Suite, which has led me to even trying my hand at art, such as this*:

The Second Wave.jpg

It’s been a wild ride.  I started out strong and ambitious, with goals of spending as little as $12,000 CAD for the year.  It didn’t take long to realize that I needed to adjust that goal, and later I adjusted it again, ultimately settling on a goal of $18,000 spending for the year (less than $15,000 USD).

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The Resolution: November 2018

Nov 2018 Spending

The end is nigh.  The end of the year, that is.  And thus, The Resolution.

There’s no doubt my spending goals have slipped throughout the year, but things come and go, and you’ve got to stick with something in good times and bad in order to make any real gains.  Ultimately it will still be my most financially efficient year ever, and still likely my least expensive year in terms of spending money as well.  I am determined to reset the The Resolution in The New Year and apply what I have learned.

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