To be honest I’m not the most motivated person at times. If I deem a task as non-critical it can languish on my To Do list for months. Yet in the last month I’ve been very good about cleaning up various personal finance issues.
For example, my pension from my previously employer has now been transfered to a Lock-In RRSP at my bank. I just filled out the paper work to increase my life insurance for my wife and myself so I can finally drop my mortgage insurance in the next few weeks. I also increased the deductible from $500 to $1000 on my home insurance renewal to save $123/year. Then I also just took advantage of RBC’s new rebate program and will drop my bank fees from $6/month to approximately $6 per year.
So what spurred this burst of energy? Nothing specific other than the feeling of I should just stop pushing off everything and just get it done. To deal with all of the above issues took perhaps a total of 2 hours of my time and have a cost savings of approximately $223/year. So if you know you have things to do and have been pushing them off I highly encourage you to just suck it up and get it done. You might find it a bit easier than you thought.
Please note that I’ve had a very unexpected situation come up which will result in me being away for the next 3 to 6 weeks. I will have access to the internet during most of this time, but since I’m unsure of my schedule my frequency of posts will vary heavily. For example a post on Monday is highly unlikely, but it still may happen if your lucky. Have a good weekend – CD