Is it possible that each year goes by faster than the last? 2015 certainly felt that way. On that same note, did you know that started in December 2006? That makes this site 9 years old which means I’ve been blogging for a quarter of my life! What keeps me going? When it all comes down to it, it’s the reader community that’s grown here over the years with your comments and questions on this site and over email. It gives me a sense of purpose – so thank you!

2015 was a noteworthy financial year with changes in the federal government (and provincial in NL) which resulted in changes to the TFSA limit. In addition, we saw lowered interest rates, and the continued oil and gas apocalypse. With regards to the new Liberal government, they are bringing lower taxes to the middle tax bracket, but additional taxes for the highest tax bracket. Not only that, they have a plan to increase child benefits for the middle class. How will they pay for these additional benefits? First, they are cutting back on some of the previous governments initiatives, but most noteworthy to me, is that they have already rolled back the $10,000 TFSA contribution limit to $5,500 for 2016.

The good news is that they did not touch the 2015 $10,000 contribution limit, so even if you haven’t maxed out your TFSA, you will still keep the $10k limit for 2015. So lets take a look at what this means.  From wiki:

Years TFSA Annual Limit Cumulative Total
2009-2012 $5,000 $20,000
2013-2014 $5,500 $31,000
2015 $10,000 $41,000
2016 $5,500 (proposed) $46,500

In addition to the big changes to the TFSA limit, the other big news this year was the continual oversupply, thus decline, of oil. As of this post, oil is trading at just under $35/barrel (WTI crude oil). This has resulted in many lay offs in the oil sector, and the market sell off of primarily the smaller oil and gas service companies. The larger integrated companies have been surprisingly resilient in this bearish environment. In my view, unless OPEC decides to drastically cut supply, or other large geopolitical event, oil will continue to stay low. I suspect that there will be more mergers and acquisitions in the energy space in 2016.

Ok, back to the point of the post! With 2015 just about behind us, here are the most popular articles on MDJ for this past year. Feel free to sift through them and I hope that you enjoy. I’m going to take a break away from the blog for the rest of the year, so I’ll see you all in 2016.

Happy Holidays, Merry Christmas, and a Happy New Year from my family to yours!

Top Premium Cash Back Credit Cards in Canada

One Year After – A Financial Freedom Update – August 2015

How our Family of Four Lives off One Government Salary

My Mortgage is Paid Off – Now What?

Letter to My Wife – How our Finances Work

The Easiest Index ETF Portfolios for Each Discount Brokerage

The Largest Oil and Gas Dividend Stocks

The Dogs of the TSX 2015

How to Accumulate Serious Air Mile Points

The Best and Worst Deals at Costco

How to Save More Money with Less Effort

If you would like to read more articles like this, you can sign up for my free weekly money tips newsletter below (we will never spam you).


  1. Robb Engen on December 21, 2015 at 12:06 pm

    Congratulations on keeping this blog going at a consistently high level. Nine years is an amazing accomplishment. All the best to you and your family over the holidays.

  2. FrugalTrader on December 21, 2015 at 2:41 pm

    Thanks for the kind feedback Robb! Happy Holidays.

  3. Richard on December 29, 2015 at 12:36 am

    I have been reading your blog for six years now, and have been enjoying it the whole time.

    The content here has been very useful throughout both high school and now university life.

    Keep up the good work.

    • FrugalTrader on December 29, 2015 at 1:45 pm

      Thanks for following and for the kind feedback. All the best and keep the comments coming.

  4. BeSmartRich on December 30, 2015 at 5:23 pm

    9 years is really a long time and I am very certain that your blog has changed many people’s personal finance habits in a great way (including mine). Thanks for your dedication and hope to see you many many years down the road.



    • FrugalTrader on January 4, 2016 at 11:20 am

      Thanks for the kind words! All the best!

  5. Peter on December 31, 2015 at 3:34 am

    9 years is simply amazing. thanks for the summary of government changes for the upcoming year, that was a good read.

    • FrugalTrader on January 4, 2016 at 11:19 am

      Thanks for the kind feedback Peter! All the best.

  6. Jim Jones on January 1, 2016 at 3:51 pm

    Hi. I am new to investing. I am a 24 year old with a university degree in the work force. I’m new to this site as well and have taken many tips from it. I’m curious however how do you know which stocks to invest in. I currently have saved around $30,000 saved up with no debt and about $1,000 in a TFSA what would you recommend.

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