My books are balanced

I have to confess a certain delight in knowing that my books are balanced and that I have a full year of financial information now behind me. I know my net worth and my expense breakdown. I've earmarked enough funds to cover my essential expenses for the next eight months. In addition to that, I have savings that I will divide into emergency fund, proper savings and an investment kitty. I've also been tithing 10% in an earmarked charity fund, and I plan to adopt a cause this year - maybe microfinance in the Philippines.

I'm still not quite clear what my cashflow will be like for the rest of my studies, which is why I've set aside a lot. My cashflow will be easier to figure out when I start working.

I'm thinking of immigrating to Canada. I need to find out what the rules are for RRSP eligibility so that I can use the power of tax-sheltered investments. I also need to find out what to do if I decide to live elsewhere.

It feels great starting the year with a pretty good handle on my finances. =)

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