u/AltruisticTurnip6075 — reddlx

What is wise in this case?

I have a checking account for bills and daily living, 2 regular savings accounts (one for emergency, one for fun) and a TD Infinite credit card, all with TD.

I have my TFSA in a mutual fund and what would probably be my retirement savings in a high-interest savings account through Wealthsimple.

The reason why I have the separation is to keep things organized, each account has a purpose. But the TD savings accounts are just sitting there not accumulating interest or anything, I feel like they shouldn’t be stagnant.

What would you recommend in this case?

Furthermore, I am thinking of applying for a TD Infinite Privilege card - we like to travel a couple times a year at least and often gaze over the lounges like hyenas, other than that I guess the points would be a nice incentive too. Anyone have this card and enjoying it? Any way to waive the large annual fees?

Some background info: My TFSA is maxed. I have $0 in RRSP as I have an RPP with my employer matching 100% of the 12% every paycheck. I also have a mortgage.

Cheers!

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u/AltruisticTurnip6075 — 3 hours ago

▲ 1 r/landscaping

u/AltruisticTurnip6075 — 15 days ago

▲ 27 r/PersonalFinanceCanada

Am I okay to go off of the CRA sites updated contribution room right now? Given I’ll be tracking my contributions until it updates next year.

Thank you

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u/AltruisticTurnip6075 — 15 days ago

▲ 548 r/VisitingIceland

Just when you think you were prepared for it to be expensive, I promise that you will not be prepared for it when you’re tapping the plastic

But what an amazing trip, it was an adventure that fulfilled all expectations and to be honest it was very much a mental reset since it felt so far away from society and anything worth stressing about, just you and the beautiful harsh landscapes.

So glad that we rented a camper van, the campsites were so convenient and had great backdrops. I couldn’t imagine doing Iceland any other way, maybe spending one night in a tiny cabin would be great as we did at a good price in a campsite.

My favorites were seljalandsfoss, dyrhólaey, the hot springs river hike, eldfell volcano hike, Vik, Hvammsvik lagoon, fridheimar tomato restaurant, blue lagoon, hrunalaug hot spring, and if I can mention these as sights - the northern lights and puffins!

What I didn’t like or just didn’t care for: the commercialized feeling of some of the golden circle sites and jokulsarlon (I understand though, make that $$$) Reykjavík, roundabouts

We were fortunate to have Hrunalaug to ourselves, blue lagoon only had a few people since we went at start time, we didn’t need to book fridheimar in advance although I can see how busy these places can get at peak season, that would be a bit miserable.

I’d be happy to answer any questions like where we went, detailed itinerary, campsites, what to skip, what to pack, how much spent, etc. it was such an adventure and would go back again.

u/AltruisticTurnip6075 — 18 days ago