As I predicted, the software was overly pessimistic. My financial situation has recovered, and is actually doing better than I expected.
My networth is on the rise again; that's a relief and it shows that January was a fluke as well. However, the growth still seems to be slowing. On the one hand, that's bad, but on the other hand, I think it's sort of expected. I'm taking on more and more financial responsibilities as my salary increases. I'm only paying a fraction of the mortgage for my house, for example, with my mom subsiziding the rest. As I make more money, I pay a greater portion of this mortgage.
My buddy, Chris, seems to be an investing genius. I've given him $1000 of mine to invest, and he has been doing an excellent job so far. To give you an idea of how good he is, let me give you some context. My RRSP fund has an annualized return of 25.37%, which I guess means this is a good year for investing, since the historical average of the market is 11%. So if Chris got me a return of around 25%, he'd be just as good as TD Canada's smartest investors. Well, he got me an annualized return of 215.72%. Yes, that's over 200 percent. Amazing.
Here's my net cash flow. It's no longer predicted of dipping into the negatives. There does seem to be a predicted dip to $300 though, with my chequing account reaching $600. I like to keep the balance of the chequing account above $1000, because then I don't have to pay monthly fees. I think the software is being overly pessimistic again, but I'm gonna stay conservative in my spending until the software predicts a constant netflow over $2000, after which I might start splurging again. Maybe set up that music studio I'm dreaming off. According to the software, that should happen by July, but again, I'm confident I can hit the goal sooner.