Well its 9 days until Christmas and I am almost done my Christmas shopping. All that I have left to get is the rest of my best friend's gift and I am done. I haven't tallied up my receipts yet but I estimate I have spent around $340 dollars so far. My budget was around $75-$100 per person with 4 people to shop for.
I haven't posted much in the last few weeks because my Macbook has crashed yet again! I am thoroughly unimpressed. Clearly the last time I got it "fixed" they didn't really get to the root of the problem, because ever since then it was slower and freezing a lot more. I knew it was only a matter of time before it would happen again. I am going to call tech support tomorrow, and I am praying they will be able to help me. If I have to bring it to an Apple store, I am going to wait until the new year because I don't want to be fighting these crowds of last minute shoppers! I think I am going to write Apple because I don't think a brand new computer should be crashing twice within the first year. All I really do is surf the net and listen to music and do my school work.
Anyways I wanted to get everyones advice about something. I am now eligible to sign up for RRSP's at work. There are 2 plans I can sign up for:
1. Company pension plan - employer matches 50% of my contribution up to $1000 per year. They will automatically deduct 4% and put it into this unless specified otherwise.
2. Group RRSP - NO match! But these contributions would be eligible for the Home Buyers Plan and not to mention the break you get on your taxes.
What should I do? I want to take advantage of the free money but in about 5 years or so I might want to purchase a home and I would like to take advantage of the Home Buyers Plan. Maybe I should contribute half to one and half to the other? Any ideas are appreciated here!