This being the last day of the year, and it falling on a weekday, means you can try to sneak in one or two financial transactions for the calendar year. Is this a good day to be calling in to your banks call-in centre? Absolutely not! You will be on the phone for a very long time, I would suggest doing anything on-line, and if you cannot do that be very patient with the folks on the phones.
Christmas Wishes from the Past
I seem to do this a lot, so here are my Christmas wishes from years gone by:
- Merry Christmas 2020 ! Do you see the pussy cat in the tree? An odd year with a Pandemic and all. Christmas All Year Round ? Yes, it does feel like that these days doesn’t it? The 12 Days of Christmas Debt ? What the heck ? That isn’t Christmasy at all!
- Merry Christmas 2017 ! That was a year of fun videos that I found to help celebrate the holiday. Love that old CFCF fill.
- Merry Christmas, Highspeed Internet a right, Inflation at 1.2 and #MoneyTalk 2016 ! Sheesh, I couldn’t even be bothered to send a message that year, how Grinchy.
- Merry Christmas 2014 ! A lovely quote from the King James bible for that year. Seem to have done nothing for 2015. This year I even had a Christmas Eve post.
- Happy Christmas 2013 ! I loved the photos of every years Christmas Tree, very festive. Another Christmas Eve post too.
- Merry Christmas 2012 ! You see the hideous curtains we had in the den back then. That year we had the $150 Christmas challenge too.
- Merry Christmas 2011 ! The tree moved back to the front room and I used Google Translate to create a festive message. Think I was on French training that year. Also At Christmas Why Not Just Give Cash ?
- Merry Christmas 2010 has some very deep philosophical commentary in it. Must have been hitting the Christmas cheer early. Christmas Eve that year must have been a Friday.
- Merry Christmas 2009 and all you got was an NFB short? Not that bad really. There was also Christmas Eve thoughts too.
- Merry Christmas 2008 ! That was the year of the infamous Financial Advent Calendar too.
- A few last Yuletide Thoughts was what I had in 2007.
- Merry Christmas 2006 ! A quieter year I suppose.
- Whatever little money you have, make sure you spend it… was my first year writing here. Quite gruff and grinchy.
Fun things to get done before the end of year:
- TFSA withdrawal, yup, you can take something out now, and then replace it some time next year (which would be tomorrow). Is this a good idea? No, especially if it is for impulse buying, but if you will need to, then I guess it is an OK idea (but I am not saying it is OK, just that it works).
- RESP, TFSA, or RDSP deposit ? Not really, it is never a bad idea to put money in these saving vehicles but the limits tend to roll-over to the next year, so no point in wasting your time, unless, you have some left over cash that you got for Christmas, then maybe today is a good time to put that away in savings.
- Withdraw lots of cash for a huge party tonight? C’mon guys, blowing huge wads of cash to celebrate the end of one year or the start of another year is just dumb.
- Make your quarterly tax payment? If you are on a payment plan with the CRA, maybe it is time to get that done?
- Stop by the Licensing bureau to renew your cars registration? Again, be patient, remember, this is your fault!
- Got any old insurance claims you haven’t submitted? Might want to get those done too.
- Here is a good one to do, make a charitable donation, this is the spirit of the season and you get a tax break in March.
- Make resolutions for the coming year? Nah, that is hokum too.
- Start your financial plan for 2016 is the best thing you can do on this last day of the year.
- Maybe make an appointment with your Doctor? Best to know where you stand health wise. There is one thing to do for your retirement planning.
Enjoy the coming year, hope the year that past was OK for you too! Remember the fiscal year typically only ends in March and that Chinese New Year is still a few weeks away.