tag:blogger.com,1999:blog-5465015914589377788.post156956626706821536..comments2024-03-20T09:32:16.592-04:00Comments on Michael James on Money: Front-Loaded Expenses for the YearMichael Jameshttp://www.blogger.com/profile/10362529610470788243noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-5465015914589377788.post-73356108447877219242013-03-05T13:16:06.758-05:002013-03-05T13:16:06.758-05:00@Tara: My experience seems fairly common except f...@Tara: My experience seems fairly common except for the crazy way I handle RRSPs :-)Michael Jameshttps://www.blogger.com/profile/10362529610470788243noreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-59688058621392594162013-03-05T12:10:57.948-05:002013-03-05T12:10:57.948-05:00Same as you: property tax, school tax, homeowner&...Same as you: property tax, school tax, homeowner's insurance - all come in first 6 months of the year. I spread my retirement savings throughout the year though.Taranoreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-55724290499736150062013-03-05T10:31:27.339-05:002013-03-05T10:31:27.339-05:00@Returns Reaper: I've thought about just doin...@Returns Reaper: I've thought about just doing regular RRSP contributions, but it's tough to come up with $2k/month in the fist half of the year. Another factor is that if I ever quit or get laid off early in the year and choose not to work for the rest of the year, I may not want to make any RRSP contribution. That's why I wait until mid-year.Michael Jameshttps://www.blogger.com/profile/10362529610470788243noreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-43385739049363236232013-03-05T10:29:30.754-05:002013-03-05T10:29:30.754-05:00@Potato: So, your situation is the reverse of mine...@Potato: So, your situation is the reverse of mine, but it seems not to be hurting too much due to a healthy savings rate.Michael Jameshttps://www.blogger.com/profile/10362529610470788243noreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-62068669260049813882013-03-05T09:06:27.048-05:002013-03-05T09:06:27.048-05:00I've noticed this for a while too. The big 3 ...I've noticed this for a while too. The big 3 you point out are all in the first half of the year for me too (property tax, EI/CPP, and insurance). Other than those 3, I don't have much in terms of the way of irregular sizeable cash flows.<br /><br />I do monthly RRSP contributions and have taxes reduced at source, so that isn't a factor for me.Returns Reapernoreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-1673072356335923592013-03-05T00:34:01.694-05:002013-03-05T00:34:01.694-05:00I find the one-off expenses seem to fall in the la...I find the one-off expenses seem to fall in the last few months of the year for me (Halloween, xmess, curling registration, hosting fees, plate renewal). I also seem to be bad about eating out that time of year. If I manage to take a vacation, I often do it in the summer, and do most of my other occasional buying of things for myself then (clothes, shoes, housewares). <br /><br />The first third of the year is usually my power savings time, where I manage to come in under budget for a few months in a row and get ahead on RESP/TFSA/other long-term investing contributions (weather's too yucky to go out, no big recurring expenses, and for some reason I only get big freelance gigs in February). Then any savings through the summer tend to get dipped into come the end of the year.Potatohttp://www.holypotato.netnoreply@blogger.com