I have a few Fridays off before a I get a full week's worth of vacation at the end of the summer and another week in October. Right now, I'm thinking that they are a long ways away.
Seeing others take their vacations now is creating this longing for me to join in too -- not necessarily with them but along side them.
Earlier this week I had a light bulb moment for a change. I'm considering taking my Fridays off for July and August next summer. That way, I can get a taste of a shorter work week in preparation for the year it becomes permanent. Total working days are a couple of days shorter with this new plan but manageable.
On the debt repayment front, we took a brave step yesterday and increased the mortgage payment amount, enough to knock a year off the amortization of the house and almost 2 years off the ski condo.
I had been hesitant to use this strategy for a long time because once payments increase, they cannot be lowered. So, if interest rates go up, so do our payments. Due to our new commitment to a shorter debt timeline, we are taking the risk that interest rates will not rise significantly in the next few year.
Saturday, July 18, 2009
Thursday, July 16, 2009
Jumping
For the first time in recent memory, I do not feel as if I will be missing out if I don't "jump" at an opportunity.
For most of my life, I would not have believe that. I was one who felt the need to "jump" at things for fear that I would miss out or I would tell myself that the timing was "meant to be" or was "perfect".
On a spiritual level, I do believe in following my gut for pivotal or "big" things. But respect to spending money, I am now able to make the distinction. I used to buy things out of worry that if I didn't, I would lose out. (silly to me now, but true!) I would react to airline seat sales in a similar way.
Because of that, I have seen many great places, own some great things and am happy to have done so. Now that I have a relatively short timeline to being completely debt free, those trips and prized possessions are going to hold me until that time where I can jump at seat/stuff sales again as a financially free person should I still wish to.
For most of my life, I would not have believe that. I was one who felt the need to "jump" at things for fear that I would miss out or I would tell myself that the timing was "meant to be" or was "perfect".
On a spiritual level, I do believe in following my gut for pivotal or "big" things. But respect to spending money, I am now able to make the distinction. I used to buy things out of worry that if I didn't, I would lose out. (silly to me now, but true!) I would react to airline seat sales in a similar way.
Because of that, I have seen many great places, own some great things and am happy to have done so. Now that I have a relatively short timeline to being completely debt free, those trips and prized possessions are going to hold me until that time where I can jump at seat/stuff sales again as a financially free person should I still wish to.
Wednesday, July 15, 2009
Electricity Use Update
We got 2 electricity bills in the mail lately. One for our main house, the other for the cottage. I've been looking forward to them as I was sure we have managed to further reduce our usage this year vs. last year.
We have used 47% less electricity at home this month vs this month last year. Our actual electricity usage cost comes to $21.69 for June. (Incidentally, our water use -- same bill -- was $10.46 for June) So we are averaging less than $1 a day for water and electricity.
The explanation for the reduction comes from manually shutting off the hot water heater (ours is electric and owned), reverting to washing most dishes by hand (makes a difference even though our dishwasher is energy star), using our dehumidifier in the basement on an as needed bases and eliminating our use of an additional basement deep freezer. We also cook with gas. We have only used our central air conditioner for 1/2 hr so far this summer so August numbers may be higher.
For the cottage, we get bills quarterly. So, for the last 3 months, we have used $15.38 worth of electricity. We are slightly lower than last year but very close to the lowest we can go for that property. When we leave, the breakers are turned off.
We have used 47% less electricity at home this month vs this month last year. Our actual electricity usage cost comes to $21.69 for June. (Incidentally, our water use -- same bill -- was $10.46 for June) So we are averaging less than $1 a day for water and electricity.
The explanation for the reduction comes from manually shutting off the hot water heater (ours is electric and owned), reverting to washing most dishes by hand (makes a difference even though our dishwasher is energy star), using our dehumidifier in the basement on an as needed bases and eliminating our use of an additional basement deep freezer. We also cook with gas. We have only used our central air conditioner for 1/2 hr so far this summer so August numbers may be higher.
For the cottage, we get bills quarterly. So, for the last 3 months, we have used $15.38 worth of electricity. We are slightly lower than last year but very close to the lowest we can go for that property. When we leave, the breakers are turned off.
Tuesday, July 14, 2009
Attachment
For the first time since I've started selling stuff, I feel regretful about letting a recent item go. I didn't have to sell it and couldn't imagine myself using it again but now that it is gone, I do.
One reason could be that I am starting to look at selling accessories that go along with that item and it has brought back memories.
It also turns out that D had experience with using that particular item and would have enjoyed using it too. He didn't tell me until yesterday.
I harboured some fear with respect to using that item so that was a motivator to sell too. (For some reason, I have visions of me breaking it and it snapping off and hurting me.)
As I have been tracking its delivery course, I saw that it arrived at its destination yesterday. The new owner is an avid participant in the sport so I know it is going to a great home where it will be used.
I can always buy another one if I feel really really strongly about it.
The funny thing is, with past items, even those that have a lot of history or energy attached to it, though I have felt sadness and grief, it did pass and I feel better afterwards and have not thought about them since.
It has served to show me the level of attachment I've developed to things. I've learned a lot about myself in the process.
One reason could be that I am starting to look at selling accessories that go along with that item and it has brought back memories.
It also turns out that D had experience with using that particular item and would have enjoyed using it too. He didn't tell me until yesterday.
I harboured some fear with respect to using that item so that was a motivator to sell too. (For some reason, I have visions of me breaking it and it snapping off and hurting me.)
As I have been tracking its delivery course, I saw that it arrived at its destination yesterday. The new owner is an avid participant in the sport so I know it is going to a great home where it will be used.
I can always buy another one if I feel really really strongly about it.
The funny thing is, with past items, even those that have a lot of history or energy attached to it, though I have felt sadness and grief, it did pass and I feel better afterwards and have not thought about them since.
It has served to show me the level of attachment I've developed to things. I've learned a lot about myself in the process.
Monday, July 13, 2009
Home Insurance
I've been busy this morning on the phone wanting some comparison information about the different categories of home insurance. I also wanted to know if our home was over insured.
Turns out it is yes and no. The insurer we use provides "bundles" of coverages that they try and sell you instead of giving the option of modifying each line item.
For example, I wanted to make sure we had $2 million liability but I was told I had the $2 million liability for the home and my car for this annual fee.
$2 million liability coverage for my car?! Why would I want that? And isn't that why I have car insurance?!
So, I was sent to look online for a further explanation of the different categories. The website isn't loading up well so I'll look into it later.
Meanwhile, I've downgraded our coverage from the "Platinum Plan" to the "Gold Plan" for just over $125 savings a year. It means I no longer have coverage for "mysterious disappearance of jewelery and money"....
Turns out it is yes and no. The insurer we use provides "bundles" of coverages that they try and sell you instead of giving the option of modifying each line item.
For example, I wanted to make sure we had $2 million liability but I was told I had the $2 million liability for the home and my car for this annual fee.
$2 million liability coverage for my car?! Why would I want that? And isn't that why I have car insurance?!
So, I was sent to look online for a further explanation of the different categories. The website isn't loading up well so I'll look into it later.
Meanwhile, I've downgraded our coverage from the "Platinum Plan" to the "Gold Plan" for just over $125 savings a year. It means I no longer have coverage for "mysterious disappearance of jewelery and money"....
Sunday, July 12, 2009
Health Observations
There are a couple of shocking health related observations I have about the younger generation around me. Maybe it is location specific...
Firstly, there are a growing number of teenagers that are tanning bed consumers. Incidentally, they all seem to get their hair done at the same salon (or basement of friend's home) as the colour is a similar shade of bleached blond.
As a health care practitioner, I am stunned by this. I thought public has progressed in the last decade?! Don't we all know about the dangers of tanning? Isn't that bleached blond, leather dark skin with light colour lipstick considered passe (80's)?
My second observation involves what I call general recreation. I have a hypothesis about how it is that when one transitions from being a teenager to a working adult that increased weight seem to follow.
In my area, a favorite pastime is getting together on Friday nights after a long week's work and socializing with a beverage or two with plenty of snacks. Then it is off to a different place for Saturday and Sunday. BBQ's are usually involved. Good times are had by all.
It doesn't take too many weeks of fun before the pounds get packed on -- fairly innocently. Everyone is having a great time. Not many notices the effects of an extra 1000 calories or more every weekend. Fast forward a year and all of a sudden everyone is 15 pounds heavier.
I used to think that it was a question of will power. Now I know it is an innocent byproduct of having fun and being social. Understanding this phenomenon has helped me tremendously in my ability to help people at work.
By the time people get to the point they are seeing me as a client, and everyone has a set point where they suddenly realize that the changes are too much, they are frustrated because they feel they have done nothing wrong and the thought of not being able to participate in social gatherings hurt them greatly.
Firstly, there are a growing number of teenagers that are tanning bed consumers. Incidentally, they all seem to get their hair done at the same salon (or basement of friend's home) as the colour is a similar shade of bleached blond.
As a health care practitioner, I am stunned by this. I thought public has progressed in the last decade?! Don't we all know about the dangers of tanning? Isn't that bleached blond, leather dark skin with light colour lipstick considered passe (80's)?
My second observation involves what I call general recreation. I have a hypothesis about how it is that when one transitions from being a teenager to a working adult that increased weight seem to follow.
In my area, a favorite pastime is getting together on Friday nights after a long week's work and socializing with a beverage or two with plenty of snacks. Then it is off to a different place for Saturday and Sunday. BBQ's are usually involved. Good times are had by all.
It doesn't take too many weeks of fun before the pounds get packed on -- fairly innocently. Everyone is having a great time. Not many notices the effects of an extra 1000 calories or more every weekend. Fast forward a year and all of a sudden everyone is 15 pounds heavier.
I used to think that it was a question of will power. Now I know it is an innocent byproduct of having fun and being social. Understanding this phenomenon has helped me tremendously in my ability to help people at work.
By the time people get to the point they are seeing me as a client, and everyone has a set point where they suddenly realize that the changes are too much, they are frustrated because they feel they have done nothing wrong and the thought of not being able to participate in social gatherings hurt them greatly.
Saturday, July 11, 2009
Actually Believe It?
I am sorting out what it is about my associate that get my defenses up. He is the one who told my other associate that "I was in it for the wrong reasons" when I chose to cut back my work week.
Though I realize he is "old school" in thinking and believe that you need to put in the 50 hour weeks to prove dedication, there is something more than the overt disapproval look I feel from him.
He has taken to patronizing my other associate who happens to work the same number of hours I do. Why? Because he is after information about an alternate money making business. So he not so subtly is ultra friendly while forgetting basic politeness with others in the room.
I find his lack of tact disgusting. And considering that he is asking for help from someone who is at least $350000 in debt and is not a great money manager just shows me how off the mark he is.
Which brings me to another topic of discussion this week. Looks vs. Reality.
Why is it that some people come across like they actually Believe they Own a car that is leased, say they are heading up to their cottage when they are Renting etc. etc?
Or from my associate's perspective, Actually Believing that someone is wealthy because they have the required numbers of (usually leveraged) Lifestyle "Show to Others" Items?
I think that because I know a number of people who have recently lost their jobs I am hyper sensitive to this description distortion.
When you lose your job, it hits home very quickly the things that can be taken from you because you don't Own them ie. your house, car, furniture, anything that isn't paid for... One realizes very quickly just how much security one really has.
This particular associate is the oldest of all of us -- 43. The one he is patronizing is 37. So we are all part of a similar generation. It never fails me to be blown away at how different people are even within what I would think was a homogeneous sample.
Though I realize he is "old school" in thinking and believe that you need to put in the 50 hour weeks to prove dedication, there is something more than the overt disapproval look I feel from him.
He has taken to patronizing my other associate who happens to work the same number of hours I do. Why? Because he is after information about an alternate money making business. So he not so subtly is ultra friendly while forgetting basic politeness with others in the room.
I find his lack of tact disgusting. And considering that he is asking for help from someone who is at least $350000 in debt and is not a great money manager just shows me how off the mark he is.
Which brings me to another topic of discussion this week. Looks vs. Reality.
Why is it that some people come across like they actually Believe they Own a car that is leased, say they are heading up to their cottage when they are Renting etc. etc?
Or from my associate's perspective, Actually Believing that someone is wealthy because they have the required numbers of (usually leveraged) Lifestyle "Show to Others" Items?
I think that because I know a number of people who have recently lost their jobs I am hyper sensitive to this description distortion.
When you lose your job, it hits home very quickly the things that can be taken from you because you don't Own them ie. your house, car, furniture, anything that isn't paid for... One realizes very quickly just how much security one really has.
This particular associate is the oldest of all of us -- 43. The one he is patronizing is 37. So we are all part of a similar generation. It never fails me to be blown away at how different people are even within what I would think was a homogeneous sample.
Friday, July 10, 2009
Financial Goals Roundup
The numbers are in for last month and I exceeded my income expectations by $1070.38. All of which is going to the mortgage prepayment cause. Currently we own 52% of our house and ski condo and 100% of the cottage.
Our current mortgage cooperative goal / turning 40 financial plan is not to renew the mortgage when it comes up in 3 years or so and put the remainder in a line of credit (the rate is at prime)as we are hoping the outstanding balance at that time to be under $40000. This amount should take about a year for us to clear.
Our yearly savings goals have been shrunk to $20000/yr ($5000 each in our non tax account, $5000 in my non registered and $5000 automatically deducted from D's pay) for the next 3 yrs in order to make this plan a reality. We are skipping our registered retirement accounts for now.
This depends heavily on my income and D's job security. Jobs are getting scarce in my neck of the woods and more jobs are scheduled to be lost in surrounding areas which may impact on my business. You can only plan what you can and move from there.
The above would be the best case scenario. If I should win a lottery, that would make things different. I guess I would have to bring myself to buy a ticket first... : )
Have a great weekend everyone!
Our current mortgage cooperative goal / turning 40 financial plan is not to renew the mortgage when it comes up in 3 years or so and put the remainder in a line of credit (the rate is at prime)as we are hoping the outstanding balance at that time to be under $40000. This amount should take about a year for us to clear.
Our yearly savings goals have been shrunk to $20000/yr ($5000 each in our non tax account, $5000 in my non registered and $5000 automatically deducted from D's pay) for the next 3 yrs in order to make this plan a reality. We are skipping our registered retirement accounts for now.
This depends heavily on my income and D's job security. Jobs are getting scarce in my neck of the woods and more jobs are scheduled to be lost in surrounding areas which may impact on my business. You can only plan what you can and move from there.
The above would be the best case scenario. If I should win a lottery, that would make things different. I guess I would have to bring myself to buy a ticket first... : )
Have a great weekend everyone!
Thursday, July 9, 2009
Waking Up
I'm laughing at how my morning got started.
D and I were woken up by a rogue fire alarm in our house around 4 am. I think it was trying to tell us the battery needed replacing (thank goodness, not because of a real fire!).
I fell back asleep til just before 9am and woke to D telling me about someone who was interested in one of our higher priced items who was a Nigerian scammer...(I'm still not quite awake at this point!)
Now, D has just told me about how much cable will cost out west. He has been lobbying for it since we are out there 5 1/2 weeks this year. It will cost around $250.
I started laughing. I couldn't help it. I think the cable cost is ridiculous. So I left it to him that is he can get the condo rented for a week, then we can have cable.
Otherwise I'd rather spend $250 in other ways... like 5 dance lessons or 5 cello lessons... : ) Now, let me slowly wake up in peace!
D and I were woken up by a rogue fire alarm in our house around 4 am. I think it was trying to tell us the battery needed replacing (thank goodness, not because of a real fire!).
I fell back asleep til just before 9am and woke to D telling me about someone who was interested in one of our higher priced items who was a Nigerian scammer...(I'm still not quite awake at this point!)
Now, D has just told me about how much cable will cost out west. He has been lobbying for it since we are out there 5 1/2 weeks this year. It will cost around $250.
I started laughing. I couldn't help it. I think the cable cost is ridiculous. So I left it to him that is he can get the condo rented for a week, then we can have cable.
Otherwise I'd rather spend $250 in other ways... like 5 dance lessons or 5 cello lessons... : ) Now, let me slowly wake up in peace!
Wednesday, July 8, 2009
Turning 40 in 3 years
For some reason my up and coming 40th birthday is becoming mentally significant. No other age has stood out before.
I tend to think of life transition in terms of life events ie. graduation, graduation again, first job etc. etc. not as a number.
A large number of my friends are much older than me because age doesn't matter to me. I am attracted to a person's spirit and zest. Most of them have more energy and vibrancy than people much younger I know.
So why suddenly am I fixated on turning 40 in 3 years?
A large part appears to be my expectations of where thought I ought to be by then.
When I was in my late 20's I expected to be debt free and semi retired by mid thirties. I did manage to get there but plans have grown and changed since I met and married D.
I am a bit dissatisfied that there is still debt in my life even though it isn't really my debt. We are working on that. The lower interest rates brought on by the current economy has benefited us.
We are reducing our savings amount for the next 3 years to accomplish the mortgage repayment goal and I worry some of the opportunity lost not investing more during a down market.
I feel a bit weighed down by responsibilities at work and at home. I am currently selling things to lighten up and restarted a health plan to combat this.
I cannot change the unsupportive people I work with so I am changing my approach to them so they do not drain me of my reserves.
So there is this insane urgency to "get it all together" in the next 3 years so I can start my next decade of life freer. Strange!
I tend to think of life transition in terms of life events ie. graduation, graduation again, first job etc. etc. not as a number.
A large number of my friends are much older than me because age doesn't matter to me. I am attracted to a person's spirit and zest. Most of them have more energy and vibrancy than people much younger I know.
So why suddenly am I fixated on turning 40 in 3 years?
A large part appears to be my expectations of where thought I ought to be by then.
When I was in my late 20's I expected to be debt free and semi retired by mid thirties. I did manage to get there but plans have grown and changed since I met and married D.
I am a bit dissatisfied that there is still debt in my life even though it isn't really my debt. We are working on that. The lower interest rates brought on by the current economy has benefited us.
We are reducing our savings amount for the next 3 years to accomplish the mortgage repayment goal and I worry some of the opportunity lost not investing more during a down market.
I feel a bit weighed down by responsibilities at work and at home. I am currently selling things to lighten up and restarted a health plan to combat this.
I cannot change the unsupportive people I work with so I am changing my approach to them so they do not drain me of my reserves.
So there is this insane urgency to "get it all together" in the next 3 years so I can start my next decade of life freer. Strange!
Tuesday, July 7, 2009
Back At It
Heading to the post office this morning to ship another couple of items I sold yesterday. Netted around $250 out of the deals once you factor out shipping and paypal costs.
The best part of the selling stuff? Making people happy! When you buy from a store, the store doesn't usually see it but when dealing with another person, you can and it is great when it happens.
Haven't made a decision about the lessons yet. Cannot seem to bear parting with money these days. I continue to scour the spreadsheet looking for openings that could fund it!
The best part of the selling stuff? Making people happy! When you buy from a store, the store doesn't usually see it but when dealing with another person, you can and it is great when it happens.
Haven't made a decision about the lessons yet. Cannot seem to bear parting with money these days. I continue to scour the spreadsheet looking for openings that could fund it!
Monday, July 6, 2009
Temptation
My mind is has been a flurry of activity since last night when I found out about a couple of learning opportunities.
I have a chance to learn to play the cello with the lead cellist of a symphony orchestra.
Cello teachers are not an easy group of people to find. I had to teach myself while waiting for the Conservatory to call me back about availability years ago (they never did) and had written the whole thing off since then.
Second, I have a chance to learn ballroom dance again with a professional instructor and competitive dancer who just moved into the area from Montreal. I studied ballroom for 1 1/2 years and loved it.
If it weren't for poor business management of the school, I would still be there. My ballroom shoes/heels were one of the few things I wouldn't sell as I was holding out for a future opportunity.
So my mind is in a tizzy right now.
I am thinking of the cost of these activities (lessons are not even close to being cheap) and I am also thinking of my soul cost of not taking up these opportunities when it is staring me in the face...
I have a chance to learn to play the cello with the lead cellist of a symphony orchestra.
Cello teachers are not an easy group of people to find. I had to teach myself while waiting for the Conservatory to call me back about availability years ago (they never did) and had written the whole thing off since then.
Second, I have a chance to learn ballroom dance again with a professional instructor and competitive dancer who just moved into the area from Montreal. I studied ballroom for 1 1/2 years and loved it.
If it weren't for poor business management of the school, I would still be there. My ballroom shoes/heels were one of the few things I wouldn't sell as I was holding out for a future opportunity.
So my mind is in a tizzy right now.
I am thinking of the cost of these activities (lessons are not even close to being cheap) and I am also thinking of my soul cost of not taking up these opportunities when it is staring me in the face...
Thursday, July 2, 2009
Believe
I've noticed lately that events have turned out way better than I was anticipating. What I was anticipating wasn't very good.
I believe it is the universe coaxing me to believe that the best will happen, even though it may end up being a totally different form than I had wanted.
The outcome in all 3 events/interaction I was kind of dreading was not only surprisingly positive but was in a form I would not have had the capacity to think/make up.
Ironically, one of the first things I bought for my office was a painted wooden sign which sits almost directly across from me that says "Believe".
The latest events have convinced me that my spiritual muscles needs some stretching!
I'll be away for the next few days. Back next week.
Happy Early July 4th to my American Bloggers and Readers!
I believe it is the universe coaxing me to believe that the best will happen, even though it may end up being a totally different form than I had wanted.
The outcome in all 3 events/interaction I was kind of dreading was not only surprisingly positive but was in a form I would not have had the capacity to think/make up.
Ironically, one of the first things I bought for my office was a painted wooden sign which sits almost directly across from me that says "Believe".
The latest events have convinced me that my spiritual muscles needs some stretching!
I'll be away for the next few days. Back next week.
Happy Early July 4th to my American Bloggers and Readers!
Wednesday, July 1, 2009
Happy Canada Day!!!
Happy Canada Day to fellow Canadian Bloggers and Readers!!!
As a country, Canada is beautiful and I have yet to see it all. Canadians are known world over as being accommodating and polite, even bit pushoverish.
We have big open spaces, varying geography as well as vibrant cities. One can choose many different ways of living. Standard of living is pretty high. It is still possible to find really good value in real estate, even in our large cities, compared to places in Europe.
It is our climate that most people are surprised about. We don't all live in igloos and around where I live, it can be as warm as the Caribbean here!
As a country, Canada is beautiful and I have yet to see it all. Canadians are known world over as being accommodating and polite, even bit pushoverish.
We have big open spaces, varying geography as well as vibrant cities. One can choose many different ways of living. Standard of living is pretty high. It is still possible to find really good value in real estate, even in our large cities, compared to places in Europe.
It is our climate that most people are surprised about. We don't all live in igloos and around where I live, it can be as warm as the Caribbean here!
Tuesday, June 30, 2009
June
Last working day of the month. It looks like I've surpassed my goal amount again this month. By how much will be determined by how busy I am today and I won't know until I show up later today.
I tend to think in terms of a month at a time for goal/income setting purposes. I know how many working days I have each month and approximately what that can mean for income. Some days I wish I got a salary but come tax time, I am grateful I am self employed as we do get more favorable tax treatment.
We sold a set of speakers for $150 a few days ago and our list of available inventory is shrinking. There have been a few new items popping up and a few I've decided to donate if they are not sold by a certain time. It has been surprising just how much we are selling to people out of town that require shipping. I would have thought most if not all sales would be to local people.
We were visiting some great people over the weekend and they are more appropriately described as my "parents". I have gained many sets of "parents" over the years -- people who love and care and want for me the best, like our real parents.
This couple is my inspiration and the topic of world travel came up. They have been around the world twice -- each time for a year -- before they had children. We were discussing the pros and cons of that in today's society.
Surprisingly enough, they felt that it is more difficult to do that today than it was during their time as the pace of life and competition they felt, were faster and higher so you would be left really behind after a trip like that. I would have thought they would wholeheartedly agree a year off before going into a career be mandatory!
I can see that their point was, they were working in government and teaching respectively at that point and were able to take their 2 sabbaticals without fear of losing their jobs and they had saved up before going in the first place.
That led to me telling them what the latest rendition of my retirement vision was -- To teach skiing for the entire season and then use the money to travel for the rest of the year. The main house and or the cottage would be sold meaning a chunk of money in the bank along with retirement savings that wouldn't need to be touched much at all. I would be a citizen of the world. Something to look forward to in the next decade or so.
I tend to think in terms of a month at a time for goal/income setting purposes. I know how many working days I have each month and approximately what that can mean for income. Some days I wish I got a salary but come tax time, I am grateful I am self employed as we do get more favorable tax treatment.
We sold a set of speakers for $150 a few days ago and our list of available inventory is shrinking. There have been a few new items popping up and a few I've decided to donate if they are not sold by a certain time. It has been surprising just how much we are selling to people out of town that require shipping. I would have thought most if not all sales would be to local people.
We were visiting some great people over the weekend and they are more appropriately described as my "parents". I have gained many sets of "parents" over the years -- people who love and care and want for me the best, like our real parents.
This couple is my inspiration and the topic of world travel came up. They have been around the world twice -- each time for a year -- before they had children. We were discussing the pros and cons of that in today's society.
Surprisingly enough, they felt that it is more difficult to do that today than it was during their time as the pace of life and competition they felt, were faster and higher so you would be left really behind after a trip like that. I would have thought they would wholeheartedly agree a year off before going into a career be mandatory!
I can see that their point was, they were working in government and teaching respectively at that point and were able to take their 2 sabbaticals without fear of losing their jobs and they had saved up before going in the first place.
That led to me telling them what the latest rendition of my retirement vision was -- To teach skiing for the entire season and then use the money to travel for the rest of the year. The main house and or the cottage would be sold meaning a chunk of money in the bank along with retirement savings that wouldn't need to be touched much at all. I would be a citizen of the world. Something to look forward to in the next decade or so.
Monday, June 29, 2009
Agreement
I have been asked how D has managed to come around to the whole idea of me contributing to the mortgage when earlier in the year, it was a point of contention ie. he saw it as his responsibility, so back off.
He does claim it as his responsibility and we are keeping track of the amount I have contributed above and beyond 50%. So far it amounts to around $22500.
So what will happen?
Once the mortgages are done, I may start drawing an amount each month from our general revenue account until we equalize. I may use it and invest in something.
There are loads of options but right now it is a paper transaction that allows me to help out towards a common goal and the agreement allows him to feel good about things too -- a win win situation.
He does claim it as his responsibility and we are keeping track of the amount I have contributed above and beyond 50%. So far it amounts to around $22500.
So what will happen?
Once the mortgages are done, I may start drawing an amount each month from our general revenue account until we equalize. I may use it and invest in something.
There are loads of options but right now it is a paper transaction that allows me to help out towards a common goal and the agreement allows him to feel good about things too -- a win win situation.
Saturday, June 27, 2009
Get Stronger
It has been a tough and busy month. Paid work has been gratefully busy and I am a sore and achy from not stretching enough.
Selling stuff and re-organizing finances is like having 2 part time jobs so by the time I leave to walk to work after lunch, I've already been working since 7:30 am and my paid work won't wrap up until 7:30 pm!
I am definitely feeling it after this month.
When I get drawn out, I take it as a sign that something needs changing. Either I back off or I get stronger. I'm thinking stronger.
I'm going to spend some time this weekend looking at my health routine and seeing where I've slacked off, eaten poorly or not enough and go from there.
As I tell my clients, the goal is to be stronger than the worst thing you do to yourself...
Selling stuff and re-organizing finances is like having 2 part time jobs so by the time I leave to walk to work after lunch, I've already been working since 7:30 am and my paid work won't wrap up until 7:30 pm!
I am definitely feeling it after this month.
When I get drawn out, I take it as a sign that something needs changing. Either I back off or I get stronger. I'm thinking stronger.
I'm going to spend some time this weekend looking at my health routine and seeing where I've slacked off, eaten poorly or not enough and go from there.
As I tell my clients, the goal is to be stronger than the worst thing you do to yourself...
Friday, June 26, 2009
Yeah Friday!
Except for a loaf of my current love -- the cranberry chocolate artisan bread, we now bake sour dough, rye and multigrain by either the bread maker or oven. They taste great and we have not missed buying regular bread at all.
I haven't calculated if we actually save money or not when accounting for the electricity the bread maker uses or the gas our gas oven uses... I guess we just feel good about doing it ourselves, that's all.
The other day, I threatened D that I will sell our pasta maker if we do not start using it! That no stone shall be left unturned in our house now that I am on a selling rampage! He thinks he'll come home one day to see an ad for himself and Cedric!
Now that we are into the warmer season (I had a challenging walk to work yesterday, with high temperatures and humidity -- 38 degrees Celsius -- and because I start work at 1 pm, I walk during the hottest time of the day), we have noticed our gasoline usage creeping up.
Extra trips to the cottage, extra social outings etc. We haven't chosen to limit activities but it is more an observation.
With our new commitment towards the mortgage, our yearly holiday schedule will consist of 4 1/2 weeks skiing, 1 1/2 weeks cottage for D. For me, 4 1/2 weeks skiing, 3 weeks cottage, 1 week solo trip and 1/2 week extra, probably at home.
I'm not sure if D actually believes me but I brought up renting out our vacation properties again. Remember that he vetoed it due to my reluctance? Now that I have gotten the taste of selling stuff and feeling good about it, I suggested that we revisit the concept of getting ready to rent the ski condo this coming season.
I am not ready mentally for the cottage yet but winter is far enough away that I can get my head around it. He said he'd get back to me about it...
I haven't calculated if we actually save money or not when accounting for the electricity the bread maker uses or the gas our gas oven uses... I guess we just feel good about doing it ourselves, that's all.
The other day, I threatened D that I will sell our pasta maker if we do not start using it! That no stone shall be left unturned in our house now that I am on a selling rampage! He thinks he'll come home one day to see an ad for himself and Cedric!
Now that we are into the warmer season (I had a challenging walk to work yesterday, with high temperatures and humidity -- 38 degrees Celsius -- and because I start work at 1 pm, I walk during the hottest time of the day), we have noticed our gasoline usage creeping up.
Extra trips to the cottage, extra social outings etc. We haven't chosen to limit activities but it is more an observation.
With our new commitment towards the mortgage, our yearly holiday schedule will consist of 4 1/2 weeks skiing, 1 1/2 weeks cottage for D. For me, 4 1/2 weeks skiing, 3 weeks cottage, 1 week solo trip and 1/2 week extra, probably at home.
I'm not sure if D actually believes me but I brought up renting out our vacation properties again. Remember that he vetoed it due to my reluctance? Now that I have gotten the taste of selling stuff and feeling good about it, I suggested that we revisit the concept of getting ready to rent the ski condo this coming season.
I am not ready mentally for the cottage yet but winter is far enough away that I can get my head around it. He said he'd get back to me about it...
Thursday, June 25, 2009
Sobering Thoughts
I asked D to create a new spreadsheet for me the other day and the results were quite depressing. It was designed to show our cash flow when I move to a 2 day work week -- not pretty.
Even if I took out most of our leisure activities, I could not make it work. The reason? The mortgages and our savings goals were too ambitious. There was no leeway to live.
I figured that I was D's backup until the mortgages are done and this sheet made me realize that I was not just casual backup, I was mandatory backup.
Unless of course we move into real estate selling mode and I'm not quite ready for that yet.
Sometimes I find it easier to function when I do not have a choice. Sound strange? It helps me settle my mind since I have a propensity to think too much. On some level, there is peace with "it is what it is".
The 8 year or less timeline coincides with D getting another week's holiday so it will be great to celebrate that and the increased cash flow.
From now til the end of the year we have freed up enough cash flow from trips etc. to put about $10000 towards mortgage prepayments. My march towards the 2 days work week has begun.
Even if I took out most of our leisure activities, I could not make it work. The reason? The mortgages and our savings goals were too ambitious. There was no leeway to live.
I figured that I was D's backup until the mortgages are done and this sheet made me realize that I was not just casual backup, I was mandatory backup.
Unless of course we move into real estate selling mode and I'm not quite ready for that yet.
Sometimes I find it easier to function when I do not have a choice. Sound strange? It helps me settle my mind since I have a propensity to think too much. On some level, there is peace with "it is what it is".
The 8 year or less timeline coincides with D getting another week's holiday so it will be great to celebrate that and the increased cash flow.
From now til the end of the year we have freed up enough cash flow from trips etc. to put about $10000 towards mortgage prepayments. My march towards the 2 days work week has begun.
Wednesday, June 24, 2009
Prepayments Revisted
Yeah! The other buyer did come through and made the purchase yesterday. $55 was the result.
I've been busy this morning playing around with mortgage calculators to determine what effect our up and coming prepayments will make and if it will be worth it. So far it seems to be.
We know that when the renewal comes in 3 years or so, that mortgage rates will likely be higher. I am factoring that in and looking at what the payments will be at 3.5, 4 and 5% over a 5 year term.
I don't want to go longer than that to finish what is left but I want to make sure that the payments will fit what D is currently paying -- because if it doesn't, I will have to step in and I don't want to do that.
So the trick will be to put enough prepayment monies towards it so that the amount left in 3 years or so will fit nicely in a 5 year term.
Paid bi-weekly, the overall amortization will be 4 yrs 7 months with no prepayments and much quicker with. That will be my job.
I've been busy this morning playing around with mortgage calculators to determine what effect our up and coming prepayments will make and if it will be worth it. So far it seems to be.
We know that when the renewal comes in 3 years or so, that mortgage rates will likely be higher. I am factoring that in and looking at what the payments will be at 3.5, 4 and 5% over a 5 year term.
I don't want to go longer than that to finish what is left but I want to make sure that the payments will fit what D is currently paying -- because if it doesn't, I will have to step in and I don't want to do that.
So the trick will be to put enough prepayment monies towards it so that the amount left in 3 years or so will fit nicely in a 5 year term.
Paid bi-weekly, the overall amortization will be 4 yrs 7 months with no prepayments and much quicker with. That will be my job.
Tuesday, June 23, 2009
Tired but Good
I have probably spent way to much time on the spreadsheets lately. Though something really good has come out of it, I am still tired. A break from it is in order. It feels like it ought to be a Thursday instead of Tuesday!
We will be extending our Christmas vacation by a week so that we would not need to be flying out west twice in the winter. The difference in ski days is 3 days for a savings of 2 flights and transfers!
We will be extending our Christmas vacation by a week so that we would not need to be flying out west twice in the winter. The difference in ski days is 3 days for a savings of 2 flights and transfers!
Monday, June 22, 2009
Life Beyond Selling
I did end up sending an email yesterday to the slow response buyer. I worried that I would come across too pushy but it was good for my peace of mind. Another email went out to someone who had expressed interest but I had delayed due to the above slow response person.
What will become of it? I don't know, but I feel better about establishing healthier boundaries. I sometimes think that Internet dealings have the potential for allowing personal laxity that otherwise may or may not occur if we were dealing face to face.
My budget spreadsheet had a major overhaul due to the recent trip changes. So far, 2010 and 2011 will look fairly similar. We are making more use of the cottage and ski condo. I am going to look into converting some foreign currency I have into Canadian dollars so it can be put into savings and work for us now, rather than just sitting there.
On a fun note, we started watching the Harry Potter movie series yesterday in anticipation of the next film opening soon. I have been a late adapter to the books and movies -- just last year! I can certainly understand why there is such a large following.
Can't wait until Transformers opens either! To top it off, an old fashion ice cream truck came by our neighbourhood -- the ones that have that circus like jingle playing -- and I got a Spiderman popsicle -- hard to describe but it was of the face and there were 2 gumballs that were the eyes and the red and blue tasted like red and blue slush! It was Yummy!
What will become of it? I don't know, but I feel better about establishing healthier boundaries. I sometimes think that Internet dealings have the potential for allowing personal laxity that otherwise may or may not occur if we were dealing face to face.
My budget spreadsheet had a major overhaul due to the recent trip changes. So far, 2010 and 2011 will look fairly similar. We are making more use of the cottage and ski condo. I am going to look into converting some foreign currency I have into Canadian dollars so it can be put into savings and work for us now, rather than just sitting there.
On a fun note, we started watching the Harry Potter movie series yesterday in anticipation of the next film opening soon. I have been a late adapter to the books and movies -- just last year! I can certainly understand why there is such a large following.
Can't wait until Transformers opens either! To top it off, an old fashion ice cream truck came by our neighbourhood -- the ones that have that circus like jingle playing -- and I got a Spiderman popsicle -- hard to describe but it was of the face and there were 2 gumballs that were the eyes and the red and blue tasted like red and blue slush! It was Yummy!
Sunday, June 21, 2009
Selling Sagas
I am frustrated with this one person who I am awaiting payment for a couple of items. Meanwhile I have another person who I have put off since last Thursday because of what I thought was a pending deal.
Maybe I'm just too nice about this. I am thinking of writing him back and saying that I am pursuing my next lead because I have not heard back since last Wednesday. This sale may not be worth it me. He has had previous recent feedback stating that he was slow with communication.
How slow is too slow? I had already fallen for the single dad sob story. Is this yet another version of a bad buyer?
On a much more pleasant note, Happy Fathers Day!!!
Maybe I'm just too nice about this. I am thinking of writing him back and saying that I am pursuing my next lead because I have not heard back since last Wednesday. This sale may not be worth it me. He has had previous recent feedback stating that he was slow with communication.
How slow is too slow? I had already fallen for the single dad sob story. Is this yet another version of a bad buyer?
On a much more pleasant note, Happy Fathers Day!!!
Saturday, June 20, 2009
Cancellations
We are biting the cancellation bullet for the remainder of our trips this year. I am on hold with Air Canada as I type to finish off the airfare part of it.
I have to admit that it has been a difficult decision even though logically it makes a lot of sense. My desire for adventure is very strong but luckily, so is my desire to reach my savings goals.
I have to admit that it has been a difficult decision even though logically it makes a lot of sense. My desire for adventure is very strong but luckily, so is my desire to reach my savings goals.
Friday, June 19, 2009
Spending More or Less
D and I treated ourselves to a rare dinner out (nowadays!) to celebrate our latest sale windfall. The topic of our upcoming vacations away came up. He isn't keen on not going and would like to go on one and cancel one as his first choice.
So we ended up discussing how much each trip would cost ie. how much we would save by not going, how satisfying it would be to be so close to meeting our working account amounts. That wasn't getting us anywhere.
Then I thought of something. How about tallying up how much our current yearly vacations to ski and cottage would cost, market value?
I was frustrated and didn't want to feel as if I was the bad person here. Plus I thought D was acting a bit spoiled!
It came to $24000 / yr! Based on how much it would be to rent a similar ski condo, seasons passes and to rent our own cottage based on the rates we were going to charge had we gone ahead with the rental idea.
The figure above does not include mortgage payments, food, transfers or any of my solo trips this year to Newfoundland and Alaska nor the trip to NL we didn't go on.
In reality, our current lifestyle could not have been afforded by D if he was still single and he knows it. I saw the light bulb go on.
I suggested that we could each get a lump sum yearly to spend on travel of our choice based on our income ratios if he felt that was fairer but that would mean a 50% decrease in skiing and 0% extra vacations. He opted to leave things as they are.
I thought it was a great exercise because it made both of us feel that our travel spending is more than adequate and not spending another $10000 in the latter half of this year make a lot of sense and not seem like a sacrifice.
However the cancellation fees will amount to just over $1000.
So we ended up discussing how much each trip would cost ie. how much we would save by not going, how satisfying it would be to be so close to meeting our working account amounts. That wasn't getting us anywhere.
Then I thought of something. How about tallying up how much our current yearly vacations to ski and cottage would cost, market value?
I was frustrated and didn't want to feel as if I was the bad person here. Plus I thought D was acting a bit spoiled!
It came to $24000 / yr! Based on how much it would be to rent a similar ski condo, seasons passes and to rent our own cottage based on the rates we were going to charge had we gone ahead with the rental idea.
The figure above does not include mortgage payments, food, transfers or any of my solo trips this year to Newfoundland and Alaska nor the trip to NL we didn't go on.
In reality, our current lifestyle could not have been afforded by D if he was still single and he knows it. I saw the light bulb go on.
I suggested that we could each get a lump sum yearly to spend on travel of our choice based on our income ratios if he felt that was fairer but that would mean a 50% decrease in skiing and 0% extra vacations. He opted to leave things as they are.
I thought it was a great exercise because it made both of us feel that our travel spending is more than adequate and not spending another $10000 in the latter half of this year make a lot of sense and not seem like a sacrifice.
However the cancellation fees will amount to just over $1000.
Thursday, June 18, 2009
Continuing the Clean Out
Haven't made a firm decision about holiday location changes yet -- though I have reworked it on my day timer to see what effects it has on the rest of the year. I tend to see things in terms of overall time distribution.
Made another sale yesterday worth $465 and put out another 3 items this morning. I am pacing myself now. Makes for a more pleasant experience. There is one sale pending but I won't count my chickens before they hatch.
The items I shipped out last week all made it there and were picked up. What a relief as we were trying to meet a deadline for this one buyer. I know my responsibility ends when I ship and email the tracking number but I have been tracking it as well to make sure.
I am liking this spring clean out/garage sale!
Made another sale yesterday worth $465 and put out another 3 items this morning. I am pacing myself now. Makes for a more pleasant experience. There is one sale pending but I won't count my chickens before they hatch.
The items I shipped out last week all made it there and were picked up. What a relief as we were trying to meet a deadline for this one buyer. I know my responsibility ends when I ship and email the tracking number but I have been tracking it as well to make sure.
I am liking this spring clean out/garage sale!
Wednesday, June 17, 2009
How Far to Go
As much as I like taking the middle line with things, I am on an upswing right now with respect to paying off debt. Now that D and I have an "understanding" about mortgage prepayments, I have switched modes and the game to get it done faster has started.
Not very middle way of me and I'm sure I'll wear myself out and swing back down to a more balanced zone but right now, I'm enjoying it.
Part of this upswing has brought forth discussion on just how far are we willing to take this debt reduction thing? Enough to consider canceling trips?
We are currently looking at what fees would be charged and how much we would be saving by not spending regardless of whether the trip is a deal or not. This is a novel approach for me.
Luckily the alternative isn't so bad. Now that the cottage has been newly painted and the new mattress doesn't make my back feel bad, our last 5 days there has been wonderful.
It was nice to see the weekenders go home and have the entire beach to ourselves. Even managed to get a bit of sun despite using a 45 SPF.
Not very middle way of me and I'm sure I'll wear myself out and swing back down to a more balanced zone but right now, I'm enjoying it.
Part of this upswing has brought forth discussion on just how far are we willing to take this debt reduction thing? Enough to consider canceling trips?
We are currently looking at what fees would be charged and how much we would be saving by not spending regardless of whether the trip is a deal or not. This is a novel approach for me.
Luckily the alternative isn't so bad. Now that the cottage has been newly painted and the new mattress doesn't make my back feel bad, our last 5 days there has been wonderful.
It was nice to see the weekenders go home and have the entire beach to ourselves. Even managed to get a bit of sun despite using a 45 SPF.
Friday, June 12, 2009
Finally Over
The dream is over. I have decided to finally let go of my Newfoundland ownership quest.
It came about a few days ago when I was sitting peacefully in my sun room. I was feeling very content with how things were going in our lives and how well the spreadsheets and retirement planning was situated. Things are balanced well right now.
I realized that I did not wish to mess with it. That I did not want anymore, to expend the energy to search, view, inquire, set up accounts, buy stuff to enable this dream of mine to come to life.
I realize that each step is a stepping stone towards or away from things and perhaps my recent foray into selling stuff was the tipping point I needed to see that I do not want to buy anything that would mean buying even more stuff.
Being hugely fond of due diligence, I had already made contact with the insurance broker who would be providing the home insurance, the local township offices about taxes, water, garbage services, local plumber about closing down the place when I'm not there, landscapers to maintain the property so the neighbours wouldn't hate us, furniture stores who offer delivery, carpet stores to replace old carpeting, cleaners who would be willing to provide seasonal service, a lawyer to handle the closing and the local utilities about account start up fees. etc. etc. etc.
To top that, I had started manipulating the spreadsheets to incorporate all these new line items as part of our yearly life. That was the straw that broke the camel's back. It was too much. For years, I loved the thought of doing it and playing around with the possibilities and felt I had the capacity to manage it, but not now.
D and I was supposed to leave early tomorrow morning for Newfoundland.
My Realtor was very understanding and joked that he had ordered a week of great weather in anticipation of our arrival. The proprietor of the B & B I stayed at during my last trip was also very kind and did not charge a last minute cancellation fee. I would have happily paid it but I think he knows I'll be back for a real vacation sometime in the future.
We have decided to head up to the cottage instead to enjoy what we already have. Back end of next week.
It came about a few days ago when I was sitting peacefully in my sun room. I was feeling very content with how things were going in our lives and how well the spreadsheets and retirement planning was situated. Things are balanced well right now.
I realized that I did not wish to mess with it. That I did not want anymore, to expend the energy to search, view, inquire, set up accounts, buy stuff to enable this dream of mine to come to life.
I realize that each step is a stepping stone towards or away from things and perhaps my recent foray into selling stuff was the tipping point I needed to see that I do not want to buy anything that would mean buying even more stuff.
Being hugely fond of due diligence, I had already made contact with the insurance broker who would be providing the home insurance, the local township offices about taxes, water, garbage services, local plumber about closing down the place when I'm not there, landscapers to maintain the property so the neighbours wouldn't hate us, furniture stores who offer delivery, carpet stores to replace old carpeting, cleaners who would be willing to provide seasonal service, a lawyer to handle the closing and the local utilities about account start up fees. etc. etc. etc.
To top that, I had started manipulating the spreadsheets to incorporate all these new line items as part of our yearly life. That was the straw that broke the camel's back. It was too much. For years, I loved the thought of doing it and playing around with the possibilities and felt I had the capacity to manage it, but not now.
D and I was supposed to leave early tomorrow morning for Newfoundland.
My Realtor was very understanding and joked that he had ordered a week of great weather in anticipation of our arrival. The proprietor of the B & B I stayed at during my last trip was also very kind and did not charge a last minute cancellation fee. I would have happily paid it but I think he knows I'll be back for a real vacation sometime in the future.
We have decided to head up to the cottage instead to enjoy what we already have. Back end of next week.
Thursday, June 11, 2009
Mortage Decision
I believe D and I have finally come to an agreement with the whole his mortgage vs. my mortgage payment issue.
For those who have just joined in, a little background. When D and I got together, we both had assets. Our current real estate holdings are split 50:50 and I have already paid for my half. The existing mortgage (8 yr 8 month amortization) is technically D's responsibility. He doesn't want me to interfere in what he believes is his responsibility even though my joining in would mean a quicker end date.
What I've been doing is creating our retirement and multilevel emergency savings. So on paper, our net worth is going up because of savings vs. mortgage repayment. Because right now, we are enjoying a ridiculously low rate of 1.35% (home) and 1.50% (ski condo), going for a larger gain in conservative investments is making sense.
So here's the new deal. When the smaller mortgage comes up for renewal in 4 years (1.50%), we are not going to renew because the amount left will be around $24000. It will be paid off using my line of credit whereby I will be the one responsible for finishing it off. I may choose to cash in some of our investments I'm buying right now or I may just pay it off using income.
What that will mean is that D can use all of his income to handle the remainder of the mortgage and we will end up well under the total 8 yr 8 month mark.
Meanwhile, any monies left over after maxing out our yearly savings plan goes into prepayment of the smaller mortgage so that I will end up with less to deal with in 4 years. I just put in about $350 last night. Knowing me, I will do my best to pay off the small mortgage before it comes up for renewal.
For those who have just joined in, a little background. When D and I got together, we both had assets. Our current real estate holdings are split 50:50 and I have already paid for my half. The existing mortgage (8 yr 8 month amortization) is technically D's responsibility. He doesn't want me to interfere in what he believes is his responsibility even though my joining in would mean a quicker end date.
What I've been doing is creating our retirement and multilevel emergency savings. So on paper, our net worth is going up because of savings vs. mortgage repayment. Because right now, we are enjoying a ridiculously low rate of 1.35% (home) and 1.50% (ski condo), going for a larger gain in conservative investments is making sense.
So here's the new deal. When the smaller mortgage comes up for renewal in 4 years (1.50%), we are not going to renew because the amount left will be around $24000. It will be paid off using my line of credit whereby I will be the one responsible for finishing it off. I may choose to cash in some of our investments I'm buying right now or I may just pay it off using income.
What that will mean is that D can use all of his income to handle the remainder of the mortgage and we will end up well under the total 8 yr 8 month mark.
Meanwhile, any monies left over after maxing out our yearly savings plan goes into prepayment of the smaller mortgage so that I will end up with less to deal with in 4 years. I just put in about $350 last night. Knowing me, I will do my best to pay off the small mortgage before it comes up for renewal.
Wednesday, June 10, 2009
Generosity Backfire
D was surprised this hasn't happened sooner but I had my first contact with an unreasonable potential buyer for some of my stuff.
He not only gave me the sob story of him being a single dad etc. and he wanted to give this item to his daughter... The old softy me, having marked down this otherwise new item down by 50%, proceeded to reduce it by another 40% so he could afford it.
Then the bickering started. We are talking less than $4 here folks. He wanted the shipping billed to the penny and wanted to disregard my cost of packaging and doing business ie. the paypal fees, the packaging fees and the gas, time and effort to get to the post office so that he could buy this item at a bargain because I felt for his cause.
After his 3rd email, I decided not to do business with him. He had the gall to write back to ask me to contact him if I changed my mind.
I'd rather donate the item than sell it to him. To me, it seemed like he was being hugely ungrateful. I certainly do not need the money as much as he apparently does.
If less than $4 is enough to put him over the edge, then maybe he is trying to wear a hat that is too big for his head. He ought to consider an item/label that is within his comfort range so that he wouldn't have to go to such embarrassing lengths to make ends meet.
Personally, I would not be inclined to put myself out there like that to try and gain sympathy so that I can buy something I cannot afford. I also wouldn't expect someone to make a special case for me. Perhaps I wasn't really doing him a favour by being generous.
He not only gave me the sob story of him being a single dad etc. and he wanted to give this item to his daughter... The old softy me, having marked down this otherwise new item down by 50%, proceeded to reduce it by another 40% so he could afford it.
Then the bickering started. We are talking less than $4 here folks. He wanted the shipping billed to the penny and wanted to disregard my cost of packaging and doing business ie. the paypal fees, the packaging fees and the gas, time and effort to get to the post office so that he could buy this item at a bargain because I felt for his cause.
After his 3rd email, I decided not to do business with him. He had the gall to write back to ask me to contact him if I changed my mind.
I'd rather donate the item than sell it to him. To me, it seemed like he was being hugely ungrateful. I certainly do not need the money as much as he apparently does.
If less than $4 is enough to put him over the edge, then maybe he is trying to wear a hat that is too big for his head. He ought to consider an item/label that is within his comfort range so that he wouldn't have to go to such embarrassing lengths to make ends meet.
Personally, I would not be inclined to put myself out there like that to try and gain sympathy so that I can buy something I cannot afford. I also wouldn't expect someone to make a special case for me. Perhaps I wasn't really doing him a favour by being generous.
Tuesday, June 9, 2009
Waiting
I do not particularly like the act of waiting.
When I'm on vacation and am waiting for a plane or a train, I'm really good.
When there are 3 pending sales, not so good. I am waiting for my paypal account to register monies deposited and am waiting for a price to be finalized and am waiting til Friday when another item is delivered and sold.
Potential total amount of sales this week -- $1100 -- which will bring the grand total sales to around $4200 for the last 2 weeks. I am running out of things to sell.
I thought of something yesterday as I was impatiently waiting for confirmation.
That I am going through the process of clearing out my "estate" while I am still alive. Interesting concept.
Before I realized that I had enough things of value that were worth selling, ie. the scrap gold jewellery, I just assumed that I would lug it around and just hold onto it. After all, it isn't heavy or inconvenient.
Had I done that, and never got around to deciding its fate, my executors would be the ones who would have the job of going through the stuff and doing essentially the same thing. Or worse, have an auctioneer come in and get pennies for everything in the house.
It suddenly made sense in a big picture way, why it is great I am doing this now. I might as well be benefiting from the sale of my unused stuff now when I could use the money then leave it for others to deal with when I'm gone.
In a way, it is like that exercise you read about, where you are asked to write your own obituary. What of you, do you want to leave behind and how do you wish to be remembered?
When I'm on vacation and am waiting for a plane or a train, I'm really good.
When there are 3 pending sales, not so good. I am waiting for my paypal account to register monies deposited and am waiting for a price to be finalized and am waiting til Friday when another item is delivered and sold.
Potential total amount of sales this week -- $1100 -- which will bring the grand total sales to around $4200 for the last 2 weeks. I am running out of things to sell.
I thought of something yesterday as I was impatiently waiting for confirmation.
That I am going through the process of clearing out my "estate" while I am still alive. Interesting concept.
Before I realized that I had enough things of value that were worth selling, ie. the scrap gold jewellery, I just assumed that I would lug it around and just hold onto it. After all, it isn't heavy or inconvenient.
Had I done that, and never got around to deciding its fate, my executors would be the ones who would have the job of going through the stuff and doing essentially the same thing. Or worse, have an auctioneer come in and get pennies for everything in the house.
It suddenly made sense in a big picture way, why it is great I am doing this now. I might as well be benefiting from the sale of my unused stuff now when I could use the money then leave it for others to deal with when I'm gone.
In a way, it is like that exercise you read about, where you are asked to write your own obituary. What of you, do you want to leave behind and how do you wish to be remembered?
Monday, June 8, 2009
Do It Yourself?
I'm sure that I am not the only one realize this connection -- that self sufficiency saves money. For me, knowing that and really knowing that and choosing to live that have been quite different.
I grew up with both parents working in blue collar jobs. They were adamant that I do not go there and my dad went as far as not allowing me to apply for a summer job where he worked so that I wouldn't get my hands dirty. I wasn't too happy with that.
So I had it in my mind that manual work was beneath mental work. I thought that mindset is a bit silly as I happen to enjoy raking, mowing the lawn and painting the house. I've even gone as far as do body work on a car. By the way, that fiberglass stuff really, really stinks!
When I met D, he brought the whole do it yourself thing to a whole new level. Having worked in construction for the summers while in school and having a dad that was an electrician, gave him skills that were far superior to the stuff I dabbled on.
He wasn't afraid to try something he hadn't personally done before because he was confident that he could figure it out...like plumbing... I was nervous about that because I have a thing with leaks. He managed to do it and I was impressed.
Nowadays, I believe that if we are physically capable of doing something, then why not? If the math doesn't add up, then choose differently but our first notion is try it ourselves first.
I grew up with both parents working in blue collar jobs. They were adamant that I do not go there and my dad went as far as not allowing me to apply for a summer job where he worked so that I wouldn't get my hands dirty. I wasn't too happy with that.
So I had it in my mind that manual work was beneath mental work. I thought that mindset is a bit silly as I happen to enjoy raking, mowing the lawn and painting the house. I've even gone as far as do body work on a car. By the way, that fiberglass stuff really, really stinks!
When I met D, he brought the whole do it yourself thing to a whole new level. Having worked in construction for the summers while in school and having a dad that was an electrician, gave him skills that were far superior to the stuff I dabbled on.
He wasn't afraid to try something he hadn't personally done before because he was confident that he could figure it out...like plumbing... I was nervous about that because I have a thing with leaks. He managed to do it and I was impressed.
Nowadays, I believe that if we are physically capable of doing something, then why not? If the math doesn't add up, then choose differently but our first notion is try it ourselves first.
Thursday, June 4, 2009
Fun Times with Selling Stuff
I have to admit that I never thought I would find selling stuff so enjoyable. To be honest, for some reason I felt guilty about it. I'm good with the concept of trading in a car for another one at a dealer (I have yet to do so though...) but other than that, I tend to prefer giving things away.
I feel that because I make a decent income, I "should not" want more than that. The concept made me feel like I was not being generous.
Perhaps it is a cultural thing. My family didn't believe in garage sales and didn't understand the concept of sifting through other peoples' cast offs. They also lumped antiques under the same idea. So I feel I've been unduly influenced by that.
One of D and I's favorite pastimes is visiting various antique markets and stores. We like seeing design and history in the pieces.
My absolute love is with French antiques. We have a side board (Louis XIV), wardrobe and a roll top bookcase all from France. Two of them are made of walnut with one done with a beautiful inlay pattern. They are not for sale!
Today's Bank of Canada rate announcement is a good one. They are maintaining the current lowered lending rate. Our mortgage stays as it.
I feel that because I make a decent income, I "should not" want more than that. The concept made me feel like I was not being generous.
Perhaps it is a cultural thing. My family didn't believe in garage sales and didn't understand the concept of sifting through other peoples' cast offs. They also lumped antiques under the same idea. So I feel I've been unduly influenced by that.
One of D and I's favorite pastimes is visiting various antique markets and stores. We like seeing design and history in the pieces.
My absolute love is with French antiques. We have a side board (Louis XIV), wardrobe and a roll top bookcase all from France. Two of them are made of walnut with one done with a beautiful inlay pattern. They are not for sale!
Today's Bank of Canada rate announcement is a good one. They are maintaining the current lowered lending rate. Our mortgage stays as it.
Wednesday, June 3, 2009
Monthly Round Up
Month end time again. I beat my target for May and will end up $732.65 ahead than budgeted for. Nice to get a bonus. It will be used to top up the car working account to make up for the recent brake line replacement.
Overall, I'm pretty pleased at how my investments are coming back to life. I'm still behind with respect to the paper value but not as much as I was. To get back to breaking even,
Overall, I'm pretty pleased at how my investments are coming back to life. I'm still behind with respect to the paper value but not as much as I was. To get back to breaking even,
- my retirement account has 18% to go
- my non registered account has 3.5% to go
The market drop has made me aware of the importance of a stronger cash position. We have taken steps to create that this year.
My new tax free saving account is doing well. I opted to invest in an index fund and it is currently yielding just over 9%.
Yesterday was the first day I actually thought about eating out. In the end we didn't. Funny what a year can do to change a way of life.
Tuesday, June 2, 2009
Results?
Too many phone calls yesterday almost gave me a headache. The results?
With respect to the item purchased 1 1/2 yrs ago, technically, I was still covered under the extended Visa warranty, however, that matching warranty isn't identical to the manufacturer's one. Visa will not cover anything related to physical breakdown.
So, I asked the agent, what does it cover if not a breakdown? Did not, could not get a straight answer. I wouldn't have been calling if it was working... I couldn't think of a case where I would be wanting to put through a claim for something that was still working? So got nowhere with them.
I proceeded to call the store where I purchased the item and they were willing to entertain the idea of replacing it even though it is over 1 year old. I have since emailed them pictures of the defected area and am waiting for a reply. It would be great if it was solved this way. The item in question cost $1100 so not small dollars.
The next phone call was to another department of Visa travel services that dealt with baggage loss/delay which happened to me over Christmas for 5 days. Luckily I was going to my own place (ski condo) and there were clothing etc there but I had to buy another set of base layers because of my luggage delay.
It turns out they were willing to open a claim for me to get the money back. However, they needed a letter from Air Canada stating my baggage was delayed, the airline luggage stickers they put on when you check in, used boarding passes etc.
Well, I no longer have my used boarding passes nor luggage stickers nor was I thrilled at the prospect of calling the airline for a letter.
So consider warned. You will need to keep everything if you find yourself in a similar situation. If you do, you would be able to claim toiletries and various other expenses within 96 hours of baggage loss/delay. Good to know.
With respect to the item purchased 1 1/2 yrs ago, technically, I was still covered under the extended Visa warranty, however, that matching warranty isn't identical to the manufacturer's one. Visa will not cover anything related to physical breakdown.
So, I asked the agent, what does it cover if not a breakdown? Did not, could not get a straight answer. I wouldn't have been calling if it was working... I couldn't think of a case where I would be wanting to put through a claim for something that was still working? So got nowhere with them.
I proceeded to call the store where I purchased the item and they were willing to entertain the idea of replacing it even though it is over 1 year old. I have since emailed them pictures of the defected area and am waiting for a reply. It would be great if it was solved this way. The item in question cost $1100 so not small dollars.
The next phone call was to another department of Visa travel services that dealt with baggage loss/delay which happened to me over Christmas for 5 days. Luckily I was going to my own place (ski condo) and there were clothing etc there but I had to buy another set of base layers because of my luggage delay.
It turns out they were willing to open a claim for me to get the money back. However, they needed a letter from Air Canada stating my baggage was delayed, the airline luggage stickers they put on when you check in, used boarding passes etc.
Well, I no longer have my used boarding passes nor luggage stickers nor was I thrilled at the prospect of calling the airline for a letter.
So consider warned. You will need to keep everything if you find yourself in a similar situation. If you do, you would be able to claim toiletries and various other expenses within 96 hours of baggage loss/delay. Good to know.
Monday, June 1, 2009
Visa
I'm going to attempting a couple of things today with my Visa company -- actually with an insurance company of my Visa company -- to talk about submitting a claim for something I purchased 1 1/2 yrs ago.
The item had a 1 year warranty and my Visa has a benefit that is supposed to extend the life of that warranty by another year. We'll see what the process is going to be like! Anyone have any experience with this?
The other issue with Visa or perhaps it will end up being with the airline, is a Travel Interruption claim for when it took me 16 hrs to get to Vancouver over Christmas and my luggage took 5 days to get to me whereby I had to buy a couple of articles of clothing to get me through. Again, don't know anything about if I would be eligible for anything but am going to ask anyway.
Decided that I'm not going to bother with selling my silver. After going through my inventory, there are more pieces I would still like to wear so until that changes, it won't be worth it for now. However, the gold rings will still be going...to the right buyer!
Back in the fall, I ordered some new blinds for the cottage from Sears. Since then, I seem to be receiving catalogue after catalogue in the mail. What a waste of paper. They will be receiving a call today too.
The real estate market in Newfoundland is pretty hot. 3 of the 5 houses I've been keeping an eye on have sold! I was hoping to make appointments for viewing during my next trip out. I'm a bit disappointed but I may not have ended up liking them...that's what I'm telling myself!
The item had a 1 year warranty and my Visa has a benefit that is supposed to extend the life of that warranty by another year. We'll see what the process is going to be like! Anyone have any experience with this?
The other issue with Visa or perhaps it will end up being with the airline, is a Travel Interruption claim for when it took me 16 hrs to get to Vancouver over Christmas and my luggage took 5 days to get to me whereby I had to buy a couple of articles of clothing to get me through. Again, don't know anything about if I would be eligible for anything but am going to ask anyway.
Decided that I'm not going to bother with selling my silver. After going through my inventory, there are more pieces I would still like to wear so until that changes, it won't be worth it for now. However, the gold rings will still be going...to the right buyer!
Back in the fall, I ordered some new blinds for the cottage from Sears. Since then, I seem to be receiving catalogue after catalogue in the mail. What a waste of paper. They will be receiving a call today too.
The real estate market in Newfoundland is pretty hot. 3 of the 5 houses I've been keeping an eye on have sold! I was hoping to make appointments for viewing during my next trip out. I'm a bit disappointed but I may not have ended up liking them...that's what I'm telling myself!
Sunday, May 31, 2009
Pays to Keep Searching
We are on a bit of roll with selling stuff. D sold a couple more things yesterday and I bit the bullet and took some old jewellery I don't wear anymore to sell as scrap gold. Things like old hoop and stud earrings, bracelets, pendants etc.
In total, largely due to the high price of gold right now, I netted $770. Not bad for 15 minutes of work. I would highly recommend anyone who has unwanted gold to give it a try! Next stop, silver and diamond rings.
I've decided to keep my camera for now. It is rated really well online and is still worth a bit of money. Once I got reading about it, I got excited about photography again and am considering reviving an old hobby.
My neighbour across the street had his roof replaced this past week. It look like he used a reputable company. It also brought back a slew of memories of the last time we needed a roof repair.
After calling 7 roofers, only 2 got back to me. One told me it wasn't the roof and that we needed new eavestroughs. The other one didn't even climb onto the roof (it is really high and steep but they are roofers, right?!), just measured and gave us a quote for $15000. Not impressed. Our roof was 8 years old...
Finally, I called a roofer I had worked with previously at my last house, who was out of town. His dad had retired but he had taken over the business and I remembered him. He came all the way out, did some detective work, found the leak and fixed it for $400. The rest of the roof was fine.
He said that a lot of roofers don't like fixing roofs. They prefer to do entire roofs. I can understand that from an economical stand point but I feel that if they did a good job, I would use them for the entire roof. Isn't business about building relationships?
While my roofer was here, I asked him to give me an estimate for a whole roof replacement as an FYI. It was reasonable and he will get the job when the time comes. It pays to keep searching with respect to roofing options!
In total, largely due to the high price of gold right now, I netted $770. Not bad for 15 minutes of work. I would highly recommend anyone who has unwanted gold to give it a try! Next stop, silver and diamond rings.
I've decided to keep my camera for now. It is rated really well online and is still worth a bit of money. Once I got reading about it, I got excited about photography again and am considering reviving an old hobby.
My neighbour across the street had his roof replaced this past week. It look like he used a reputable company. It also brought back a slew of memories of the last time we needed a roof repair.
After calling 7 roofers, only 2 got back to me. One told me it wasn't the roof and that we needed new eavestroughs. The other one didn't even climb onto the roof (it is really high and steep but they are roofers, right?!), just measured and gave us a quote for $15000. Not impressed. Our roof was 8 years old...
Finally, I called a roofer I had worked with previously at my last house, who was out of town. His dad had retired but he had taken over the business and I remembered him. He came all the way out, did some detective work, found the leak and fixed it for $400. The rest of the roof was fine.
He said that a lot of roofers don't like fixing roofs. They prefer to do entire roofs. I can understand that from an economical stand point but I feel that if they did a good job, I would use them for the entire roof. Isn't business about building relationships?
While my roofer was here, I asked him to give me an estimate for a whole roof replacement as an FYI. It was reasonable and he will get the job when the time comes. It pays to keep searching with respect to roofing options!
Saturday, May 30, 2009
We Are There!
Daisy, over at Frugal Freedom wrote a post a while ago where she realized that her cashable savings was enough to pay off her mortgage entirely. Whether she goes that route is irrelevant. It was the concept of it that had got me thinking since.
When I tallied my cashable assets, I was short. Partly because our cash position wasn't very strong and partly because the markets "took" 50% of it on paper. Now that things seem to be on the incline, when I was updating my NetWorth IQ entry yesterday, I realized we had made it too.
That was a great feeling even though we have no intentions of selling off our stocks etc. but it is nice to know that we had it to sell, should we wish. It is a psychological freedom of sorts. Thanks Daizy, for giving me that idea in the first place!
D has made a couple more sales. The cash is going to supplement our spending money for our next trip.
We've had a couple of small kitchen appliances die on us lately. Our rice cooker and slow cooker. After some thought, we decided to give cooking rice over the stove a go. It has been fine and we haven't bothered to replace it. The old us would have gone shopping for one right away.
As for the slow cooker, D made an executive decision to get another one because he felt the benefits we derive from it far out weights the cost. We were unsuccessful at finding one used and ended up getting one on sale instead. Now D can continue making his famous BBQ pulled pork!
When I tallied my cashable assets, I was short. Partly because our cash position wasn't very strong and partly because the markets "took" 50% of it on paper. Now that things seem to be on the incline, when I was updating my NetWorth IQ entry yesterday, I realized we had made it too.
That was a great feeling even though we have no intentions of selling off our stocks etc. but it is nice to know that we had it to sell, should we wish. It is a psychological freedom of sorts. Thanks Daizy, for giving me that idea in the first place!
D has made a couple more sales. The cash is going to supplement our spending money for our next trip.
We've had a couple of small kitchen appliances die on us lately. Our rice cooker and slow cooker. After some thought, we decided to give cooking rice over the stove a go. It has been fine and we haven't bothered to replace it. The old us would have gone shopping for one right away.
As for the slow cooker, D made an executive decision to get another one because he felt the benefits we derive from it far out weights the cost. We were unsuccessful at finding one used and ended up getting one on sale instead. Now D can continue making his famous BBQ pulled pork!
Thursday, May 28, 2009
My First Sale
I made my first sale today. Two months ago, I took some hobby equipment to get priced to be sold and have been mulling it over since. I wanted to be sure that I was selling for the right reasons ie. because I really was not going to continue the sport anymore and not because I was taking frugality too far and ridding myself of something I really loved and would not pay to buy it back in the future.
On Tuesday, I woke up with the clarity I needed to make this decision. I felt ready to let it go. So I made an appointment for the transaction and went this morning. It only took 1/2 hr for the exchange and I was handed a check for $2220 -- significantly less than I paid originally but I had made peace with it.
I have to admit that I was a bit sad just before I got into the car to go there. I was saddened by what never got to happen. That I didn't get to a level where I could compete in that sport like I originally intended and all the dreams that went along with it. It was a mini grieving I didn't expect would happen. I guess there was a lot more riding in that equipment that I realized.
By the time I got to the store, I felt much lighter and cheerful. I had made the right decision. By this afternoon, I had forgotten about it -- not until I put the check in the bank, that is.
On Tuesday, I woke up with the clarity I needed to make this decision. I felt ready to let it go. So I made an appointment for the transaction and went this morning. It only took 1/2 hr for the exchange and I was handed a check for $2220 -- significantly less than I paid originally but I had made peace with it.
I have to admit that I was a bit sad just before I got into the car to go there. I was saddened by what never got to happen. That I didn't get to a level where I could compete in that sport like I originally intended and all the dreams that went along with it. It was a mini grieving I didn't expect would happen. I guess there was a lot more riding in that equipment that I realized.
By the time I got to the store, I felt much lighter and cheerful. I had made the right decision. By this afternoon, I had forgotten about it -- not until I put the check in the bank, that is.
Wednesday, May 27, 2009
First Online Sale
D made his first online sale! It was for a set of speakers. When we moved 1 1/2 yrs ago to be closer to my work, we upgraded our sound system to complement our projector (in lieu of cable) so these were left over from his old set. The money/product exchange will happen at lunch today.
I've managed to procure a small fireproof safe, a set of binoculars and some archery stuff to sell as well. Am also debating about an old camera.
Nowadays, I rarely buy books anymore. I use the library. The exception to this rule is when someone I know has published their book. Then I will gladly support their venture. I just did just that. This time, it is a book of poetry.
I've managed to procure a small fireproof safe, a set of binoculars and some archery stuff to sell as well. Am also debating about an old camera.
Nowadays, I rarely buy books anymore. I use the library. The exception to this rule is when someone I know has published their book. Then I will gladly support their venture. I just did just that. This time, it is a book of poetry.
Tuesday, May 26, 2009
Odds and Sods
As the warmer weather approaches, I've told D that we will be endeavoring to reduce our air conditioner use this summer. This will mean higher temperatures in house.
D's car sale fell through. All I have to say about that is that using the tactic of "low balling" will not endear anyone, especially us.
D has started selling some of his hobby equipment online. I am going to rummage through my things to see if I have anything left worth selling.
D's car sale fell through. All I have to say about that is that using the tactic of "low balling" will not endear anyone, especially us.
D has started selling some of his hobby equipment online. I am going to rummage through my things to see if I have anything left worth selling.
Monday, May 25, 2009
Loss
I had the good fortune of having wonderful mentors around me during school. One of them, I just found out, has passed away, peacefully.
I am going to save what I originally was going to write about for another day because it doesn't seem important right now.
This is a welcomed reminder to be grateful for great experiences and even more so for great people.
Love the ones who love you. Stop wasting time trying to change those who will not even meet you half way.
I am going to save what I originally was going to write about for another day because it doesn't seem important right now.
This is a welcomed reminder to be grateful for great experiences and even more so for great people.
Love the ones who love you. Stop wasting time trying to change those who will not even meet you half way.
Sunday, May 24, 2009
Dinner Party
No go for the Drive-In this weekend. My excuse was the mosquitoes. They seem to be out in droves, earlier than usual. D can get bitten half a dozen times and won't be phased but one bite for me results in a huge welt that last a week.
I chose our particular latitude for the cottage because of previous experience farther north where mosquitoes, black flies and deer flies exists. We only get mosquitoes and usually only for the month of June and then no need for bug spray for the rest of the summer.
We are heading to a dinner party tonight. For the last few years we have developed a routine of hosting or going to them about 3 times a month. The ones hosting provides the food and the guests will bring wine and dessert.
It has made a huge difference in our pocketbooks as dinners out could easily cost $150 per couple multiplied by 3 times a month!
Luckily, our friends and I enjoy cooking and trying out different types of foods and recipes. So the results have been steadily getting better such that we don't feel like we are settling for a less good or interesting meal.
It's our turn to bring dessert and we are bringing a banana cream pie (with real banana chunks) from one of our favorite bakeries in cottage land.
I chose our particular latitude for the cottage because of previous experience farther north where mosquitoes, black flies and deer flies exists. We only get mosquitoes and usually only for the month of June and then no need for bug spray for the rest of the summer.
We are heading to a dinner party tonight. For the last few years we have developed a routine of hosting or going to them about 3 times a month. The ones hosting provides the food and the guests will bring wine and dessert.
It has made a huge difference in our pocketbooks as dinners out could easily cost $150 per couple multiplied by 3 times a month!
Luckily, our friends and I enjoy cooking and trying out different types of foods and recipes. So the results have been steadily getting better such that we don't feel like we are settling for a less good or interesting meal.
It's our turn to bring dessert and we are bringing a banana cream pie (with real banana chunks) from one of our favorite bakeries in cottage land.
Friday, May 22, 2009
Yeah, Weekend!
We are heading up to the cottage for the weekend. This will also be the first time this season we get to see some movies at the local Drive-In theatre.
I had never been to a Drive-In ever until the cottage came into my life. Man, is it ever fun! Now, I especially look forward to the long weekends where they show 4 movies and we don't come home until 4am! D isn't too keen on those. I just call him an old man! : )
Needless to say, the food there is pretty great. And I buy pretty much everything -- onion rings, fries, hot dogs, popcorn etc. I tend to do the same thing at baseball games, hockey games etc. I think food is part of the experience.
It also guarantees I work out furiously over the next week to get rid of the excess calories!
I have to admit that I am typing this from our desktop computer. I haven't made the transition to D's laptop yet -- intend to figure out my new schedule for next week. I don't make changes as quickly as I would like sometimes!
Have a great weekend everyone!
I had never been to a Drive-In ever until the cottage came into my life. Man, is it ever fun! Now, I especially look forward to the long weekends where they show 4 movies and we don't come home until 4am! D isn't too keen on those. I just call him an old man! : )
Needless to say, the food there is pretty great. And I buy pretty much everything -- onion rings, fries, hot dogs, popcorn etc. I tend to do the same thing at baseball games, hockey games etc. I think food is part of the experience.
It also guarantees I work out furiously over the next week to get rid of the excess calories!
I have to admit that I am typing this from our desktop computer. I haven't made the transition to D's laptop yet -- intend to figure out my new schedule for next week. I don't make changes as quickly as I would like sometimes!
Have a great weekend everyone!
Thursday, May 21, 2009
Life Continues
We got our first 2 string beans harvest already. I am beginning to think that we didn't plant enough plants because that won't be enough for a meal.
Maybe once everything gets going, it will make a difference! All the plants have gone through a bit of shock being transferred outside. I do expect them to bounce back soon.
Meanwhile, I've been investigating some sites that have charts showing the energy usage of household things ie. appliances, computers, treadmills etc.
Was I ever shocked to find that my treadmill uses around the same amount of energy as a dryer!
And our desktop computer uses 4 times the amount of an average laptop and computer speakers drain quite a bit as well!
I took my laptop out west and left it at the ski condo so that I could use it there and I am currently on our desktop. I'm thinking that the laptop is coming home with me.
Other options would be to use D's laptop which would mean changing when I blog, do banking etc. A relatively small issue compared to the power savings.
I would encourage everyone to look at their local power utility website as a starting point to get more info about this. We cannot change when we don't have adequate info.
D's car brake lines were replaced yesterday to the tune of around $833. His friend, after being told about D's previous experience buying a car from a neighbour did not seem phased at all.
The next step will happen next Monday when D's friend will be taking the car to his mechanic for an opinion.
Maybe once everything gets going, it will make a difference! All the plants have gone through a bit of shock being transferred outside. I do expect them to bounce back soon.
Meanwhile, I've been investigating some sites that have charts showing the energy usage of household things ie. appliances, computers, treadmills etc.
Was I ever shocked to find that my treadmill uses around the same amount of energy as a dryer!
And our desktop computer uses 4 times the amount of an average laptop and computer speakers drain quite a bit as well!
I took my laptop out west and left it at the ski condo so that I could use it there and I am currently on our desktop. I'm thinking that the laptop is coming home with me.
Other options would be to use D's laptop which would mean changing when I blog, do banking etc. A relatively small issue compared to the power savings.
I would encourage everyone to look at their local power utility website as a starting point to get more info about this. We cannot change when we don't have adequate info.
D's car brake lines were replaced yesterday to the tune of around $833. His friend, after being told about D's previous experience buying a car from a neighbour did not seem phased at all.
The next step will happen next Monday when D's friend will be taking the car to his mechanic for an opinion.
Wednesday, May 20, 2009
Fun Times
First day back to work went well. I seem to need time away in order to appreciate what I have. My patience level was great and I didn't feel rushed. I was still rolling along at a comfortable pace.
It allowed me to gage whether my software booking program was doing a good job because I like the way things worked yesterday and would like it to continue as my regular working speed.
The actual amount I made over my May take home estimate was $789.48. I've started a new savings account called "Extra" and have put it in there. It will likely be put towards our next Nfld trip.
On the subject of extras, we just purchased tickets to see a rock concert -- Depeche Mode! They are playing near my town but we decided to travel and see them at a venue and city that would be more fun.
Going to see them have been on my "list of things I would love to do when the opportunity is right" for a long time, since high school, to be exact. They played on the night of my high school formal and I so wanted to be there (it was their Violator tour). And now I finally get to go.
The funny thing is, they have been on tour many times since then and I did not make a move until now. Why? If I love them so much? Because I have been living a pretty one track mind for the last 10 years. Putting off things until... no more!
It's amazing how many "little" things can bring such joy that can enhance life along the way, rather than be put off until some magical period in time, somewhere in the future! I feel like a teenager again!
It allowed me to gage whether my software booking program was doing a good job because I like the way things worked yesterday and would like it to continue as my regular working speed.
The actual amount I made over my May take home estimate was $789.48. I've started a new savings account called "Extra" and have put it in there. It will likely be put towards our next Nfld trip.
On the subject of extras, we just purchased tickets to see a rock concert -- Depeche Mode! They are playing near my town but we decided to travel and see them at a venue and city that would be more fun.
Going to see them have been on my "list of things I would love to do when the opportunity is right" for a long time, since high school, to be exact. They played on the night of my high school formal and I so wanted to be there (it was their Violator tour). And now I finally get to go.
The funny thing is, they have been on tour many times since then and I did not make a move until now. Why? If I love them so much? Because I have been living a pretty one track mind for the last 10 years. Putting off things until... no more!
It's amazing how many "little" things can bring such joy that can enhance life along the way, rather than be put off until some magical period in time, somewhere in the future! I feel like a teenager again!
Tuesday, May 19, 2009
Back Home
Alaska was awe inspiring. I want to go back and if I was American, I would be looking to have a second home there. I found the people there warm and open and calm. It was great.
It is back to business for me today.
The saga with D's potential car sale continues. The person who is interested in his car is a friend and D is feeling awkward about that.
D had previous experience with buying a used car from a neighbour and the day after he bought it, the alternator died and ended up costing him $600. D is having some flashbacks about that and isn't sure how he would feel if his car did something like that shortly after it changed hands.
Before D's car can even be sold, the brake lines will have to be replaced. He was quoted around $700 or so for the job and it will be scheduled to be done this week. That was a surprise piece of news I did not expect to get when I got home!
On the other hand, we made a change last night for the better.
D is used to having a deep freeze in the basement. His mother always had one and it is filled to the brim with food. So, we have one too.
I did not grow up with one so it was a new idea for me.
I've been pushing for another one month experiment where we eat up the food in there and turn it off to see what affect it will have on our hydro bill. D was hesitant about it but we did it last night.
We didn't have to eat up everything. I managed to organize our refrigerator freezer to make it accommodate all the frozen meat we had downstairs. The only thing that was sacrificed was the ice maker (which I am not a fan of anyways).
It was surprising for both of us that with a bit of organization, our existing freezer can do the job of the downstairs one and we had been paying for 2 appliances to do essentially one job. Now that we are eating less and less meat, an extra freezer makes less and less sense.
One other thing D did when I was away was to buy a special waterproof concrete paint and apply it to the walls of our unfinished part of the basement. It is made to seal concrete and to help with keeping down any humidity there. I'm hoping that it will make a difference in the amount of time the dehumidifier gets used. Again, it is a compressor and (in my mind) uses a lot of electricity.
It is back to business for me today.
The saga with D's potential car sale continues. The person who is interested in his car is a friend and D is feeling awkward about that.
D had previous experience with buying a used car from a neighbour and the day after he bought it, the alternator died and ended up costing him $600. D is having some flashbacks about that and isn't sure how he would feel if his car did something like that shortly after it changed hands.
Before D's car can even be sold, the brake lines will have to be replaced. He was quoted around $700 or so for the job and it will be scheduled to be done this week. That was a surprise piece of news I did not expect to get when I got home!
On the other hand, we made a change last night for the better.
D is used to having a deep freeze in the basement. His mother always had one and it is filled to the brim with food. So, we have one too.
I did not grow up with one so it was a new idea for me.
I've been pushing for another one month experiment where we eat up the food in there and turn it off to see what affect it will have on our hydro bill. D was hesitant about it but we did it last night.
We didn't have to eat up everything. I managed to organize our refrigerator freezer to make it accommodate all the frozen meat we had downstairs. The only thing that was sacrificed was the ice maker (which I am not a fan of anyways).
It was surprising for both of us that with a bit of organization, our existing freezer can do the job of the downstairs one and we had been paying for 2 appliances to do essentially one job. Now that we are eating less and less meat, an extra freezer makes less and less sense.
One other thing D did when I was away was to buy a special waterproof concrete paint and apply it to the walls of our unfinished part of the basement. It is made to seal concrete and to help with keeping down any humidity there. I'm hoping that it will make a difference in the amount of time the dehumidifier gets used. Again, it is a compressor and (in my mind) uses a lot of electricity.
Thursday, May 7, 2009
Alaska
It looks like my extra income (amount greater than projected) for the month will be around the $750 mark. More than I was anticipating, a nice surprise.
There has been a number of capitol purchases this year for the house and cottage. Things that won't need to be bought again for hopefully a decade or so ie. mattresses.
This has tested our new workings accounts (For those who don't know about this, they are individual savings accounts that I am building up so that they will have enough to pay for yearly maintenance costs as well as a single large cost, like a roof, car etc).
From a life perspective, this year has been clipping along at a good pace so far.
Each year I attempt to put in place a pattern of time off based on my last year's experience. For example -- If I felt that by certain times of the year, I'm feeling worn out and exhausted, the following year, I would reserve some time then in hopes
I won't get to that point physically or mentally again. I cannot entirely point the finger at work for this. A lot of times, it is my other commitments that can use up energy. Each year is different. Things come up -- sometimes really fun things and they will shift plans accordingly.
Now that we are into May, I am happy to report that I am not exhausted, just slightly tired and achy. Mentally and emotionally very good. This has been my goal for the past few years.
To transition back to a place where I have enough time off prior to exhaustion and enough fitness, so that holidays can be more active and exploratory verses forced restorative -- Having to lay down because I had gotten so dragged out.
So I will head to Alaska with a pretty filled gas tank and I look forward to discovering its ins and outs as well as the chance to eat some great Halibut and Crab.
Back in 1 1/2 weeks.
There has been a number of capitol purchases this year for the house and cottage. Things that won't need to be bought again for hopefully a decade or so ie. mattresses.
This has tested our new workings accounts (For those who don't know about this, they are individual savings accounts that I am building up so that they will have enough to pay for yearly maintenance costs as well as a single large cost, like a roof, car etc).
From a life perspective, this year has been clipping along at a good pace so far.
Each year I attempt to put in place a pattern of time off based on my last year's experience. For example -- If I felt that by certain times of the year, I'm feeling worn out and exhausted, the following year, I would reserve some time then in hopes
I won't get to that point physically or mentally again. I cannot entirely point the finger at work for this. A lot of times, it is my other commitments that can use up energy. Each year is different. Things come up -- sometimes really fun things and they will shift plans accordingly.
Now that we are into May, I am happy to report that I am not exhausted, just slightly tired and achy. Mentally and emotionally very good. This has been my goal for the past few years.
To transition back to a place where I have enough time off prior to exhaustion and enough fitness, so that holidays can be more active and exploratory verses forced restorative -- Having to lay down because I had gotten so dragged out.
So I will head to Alaska with a pretty filled gas tank and I look forward to discovering its ins and outs as well as the chance to eat some great Halibut and Crab.
Back in 1 1/2 weeks.
Wednesday, May 6, 2009
Sounds Too Good To Be True?
Wow. Do I have a story for you.
I just found out of a Charity Scam that went around a few years back whereby loads of people "invested" in this start up charity and for their efforts, got large tax refunds immediately after. The returns were in the 17% range for someone who made $55000.
Apparently, people were asking their family members who couldn't afford to "invest" to put through these receipts on behalf of others who can. When the refunds would come in the mail, it "confirmed" that this was legitimate and subsequently set off a fury of activity and many an investment account were cashed out in order to participate in this "charity".
Fast forward 1 year. The scam was revealed in the papers. I didn't pay any real attention. And Revenue Canada started its investigations.
Someone I know told me they got their letter of re-assessment last summer. The government wasn't allowing this charitable donation and they want their money back with interest. For this person, it means $19350 for something that happened in 2005.
It didn't end here. There was a second "donation" in 2006 to the tune of $60000. So they are anticipating another audit result to appear and this is causing sleep disturbance. Monies has already had to be borrowed in order to pay back what is owing to the government.
The most difficult thing about this for me to understand?
This person allowed a family member to use their income tax form to put it through and monies gotten from the donation was given to the family member. Now that the government isn't allowing this claim through, the family member has refused to pay back this person. There have been people who have had to declare bankruptcy over this.
The charity wasn't a charity. But, allowing someone to claim something that isn't yours on your tax form is fraud. It is not different from carrying someone else's stuff you know nothing about in your luggage for them at an airport...
I feel awful for this person. The family isn't a family anymore. I suggest they continue to ask for the former family members (Son and ex-wife) to do the right thing and own up to making a poor decision and let's fix this situation together.
I just found out of a Charity Scam that went around a few years back whereby loads of people "invested" in this start up charity and for their efforts, got large tax refunds immediately after. The returns were in the 17% range for someone who made $55000.
Apparently, people were asking their family members who couldn't afford to "invest" to put through these receipts on behalf of others who can. When the refunds would come in the mail, it "confirmed" that this was legitimate and subsequently set off a fury of activity and many an investment account were cashed out in order to participate in this "charity".
Fast forward 1 year. The scam was revealed in the papers. I didn't pay any real attention. And Revenue Canada started its investigations.
Someone I know told me they got their letter of re-assessment last summer. The government wasn't allowing this charitable donation and they want their money back with interest. For this person, it means $19350 for something that happened in 2005.
It didn't end here. There was a second "donation" in 2006 to the tune of $60000. So they are anticipating another audit result to appear and this is causing sleep disturbance. Monies has already had to be borrowed in order to pay back what is owing to the government.
The most difficult thing about this for me to understand?
This person allowed a family member to use their income tax form to put it through and monies gotten from the donation was given to the family member. Now that the government isn't allowing this claim through, the family member has refused to pay back this person. There have been people who have had to declare bankruptcy over this.
The charity wasn't a charity. But, allowing someone to claim something that isn't yours on your tax form is fraud. It is not different from carrying someone else's stuff you know nothing about in your luggage for them at an airport...
I feel awful for this person. The family isn't a family anymore. I suggest they continue to ask for the former family members (Son and ex-wife) to do the right thing and own up to making a poor decision and let's fix this situation together.
Tuesday, May 5, 2009
On Pensions
I got "ticked off" at a comment made by someone the other day. It basically was bemoaning their husband's fully funded and indexed pension and how they cannot possible live off of it....
If I had to come up with enough savings to pay me $45000 after taxes a year for the rest of my life, indexed, with no fear of it disappearing, I'd need an excess of 1 million dollars! Not easy to muster up, especially when she never had a career that "brought home the bacon"!
Not only that, she makes her husband go back to work on contract after he had retired in his 60's, stating, that it is only a 4 days a week, when she quits her job, retires at the age of 57 and refused to go back for a day or 2 when asked because she is enjoying retirement so much. Where is the partnership here?
Perhaps I was oversensitive. I know how much discipline it takes to stay in a career that isn't fun all the time, save money and pay off a mortgage very quickly. It isn't easy. I'd be quite happy and grateful to have a pension, to be paid in addition to getting paid...just for showing up! She has never had to live a life where a significant portion of income needed to be saved in order to plan for future.
It is easy to spend most of what you make when you know you don't need to save. And yes, it is nice to be able to chose the best choices when eating and travelling with such a high disposable income but when all of the people you are speaking to, do not have pensions and cannot spend in such a way, some sensitivity is in order. I would bet that should she have to save 50% of their household income towards retirement, their lives would have been dramatically altered.
If I had to come up with enough savings to pay me $45000 after taxes a year for the rest of my life, indexed, with no fear of it disappearing, I'd need an excess of 1 million dollars! Not easy to muster up, especially when she never had a career that "brought home the bacon"!
Not only that, she makes her husband go back to work on contract after he had retired in his 60's, stating, that it is only a 4 days a week, when she quits her job, retires at the age of 57 and refused to go back for a day or 2 when asked because she is enjoying retirement so much. Where is the partnership here?
Perhaps I was oversensitive. I know how much discipline it takes to stay in a career that isn't fun all the time, save money and pay off a mortgage very quickly. It isn't easy. I'd be quite happy and grateful to have a pension, to be paid in addition to getting paid...just for showing up! She has never had to live a life where a significant portion of income needed to be saved in order to plan for future.
It is easy to spend most of what you make when you know you don't need to save. And yes, it is nice to be able to chose the best choices when eating and travelling with such a high disposable income but when all of the people you are speaking to, do not have pensions and cannot spend in such a way, some sensitivity is in order. I would bet that should she have to save 50% of their household income towards retirement, their lives would have been dramatically altered.
Monday, May 4, 2009
Getting Married Revisited
I am warning everyone that this will not be a frugal post.
Miss M is in process of planning her wedding and honeymoon next year and asked if I had any ideas.
Yes I do! Whether they are relevant to her and her love's style, I don't know...
This question brought back a slew of memories for me because during my first relationship with a very non frugal guy, a long time ago, I would daydream about ways to get married that was different, fun and meaningful to the couple, as I felt that was what the union was supposed to be about.
Here was my top 3 choices in no particular order:
1) Rent out The Inn on Mt Ada, Catalina Island and fly a very small group out there to participate in our union. We would pay for everything and it would be a great backdrop for what we considered an intimate and "traditional" gathering. Wow, seeing those pictures again was great.
2) Get Married Polynesian style. One of my closest girlfriends hails from Tahiti. When she told me about the philosophy of her cultural weddings, I was taken. The idea is that the Man, has to earn his way to his Woman. So, he has to prove his worth by braving waves in an outrigger canoe in order to fetch his to-be wife in time to have a sunset ceremony under a sacred arch. The ceremony is to be just the bride and groom and a local priest where you are expected to learn your lines in local language. Afterwards, celebrate with friends and family with canapes.
This was by far the most expensive choice. The whole experience included a few nights at each society island (Moorea, Huahine, Bora Bora etc. as well as a 3 night cruise to the Cook Islands). The ceremony wasn't considered "legal" to North America standards back when I was searching. So we were going to get married at a local Justice of the Peace first, then have our ceremony later.
3) Get Married Navajo style. I have a real love for the Southwest US -- Arizona, Utah. So, it would make sense that I had looked into getting married by a Navajo Indian Chief. The union of the couple is a union of the spirit. The ceremony is simple, by cliff side, and an intricate, handmade blanket is used to drape over the shoulders of the bride by her groom as a symbol of the union. Indian Sign Language is used to signal certain parts of the ceremony.
Wow, seeing those pictures again was great. Remember, I was daydreaming these dreams when I was 26 yrs old! As my readers know, I didn't chose any of the above, including the guy. I had a great time researching the symbolic representation of marriage though and still feel it would be really cool to re-marry every so often in different ways to renew your commitment to each other.
On that note, I'd love to have a ceremony at Bourges -- my all time favorite Gothic Cathedral.
Not sure if any of the ideas appeal, Miss M, thanks for the opportunity to go down memory lane!
Miss M is in process of planning her wedding and honeymoon next year and asked if I had any ideas.
Yes I do! Whether they are relevant to her and her love's style, I don't know...
This question brought back a slew of memories for me because during my first relationship with a very non frugal guy, a long time ago, I would daydream about ways to get married that was different, fun and meaningful to the couple, as I felt that was what the union was supposed to be about.
Here was my top 3 choices in no particular order:
1) Rent out The Inn on Mt Ada, Catalina Island and fly a very small group out there to participate in our union. We would pay for everything and it would be a great backdrop for what we considered an intimate and "traditional" gathering. Wow, seeing those pictures again was great.
2) Get Married Polynesian style. One of my closest girlfriends hails from Tahiti. When she told me about the philosophy of her cultural weddings, I was taken. The idea is that the Man, has to earn his way to his Woman. So, he has to prove his worth by braving waves in an outrigger canoe in order to fetch his to-be wife in time to have a sunset ceremony under a sacred arch. The ceremony is to be just the bride and groom and a local priest where you are expected to learn your lines in local language. Afterwards, celebrate with friends and family with canapes.
This was by far the most expensive choice. The whole experience included a few nights at each society island (Moorea, Huahine, Bora Bora etc. as well as a 3 night cruise to the Cook Islands). The ceremony wasn't considered "legal" to North America standards back when I was searching. So we were going to get married at a local Justice of the Peace first, then have our ceremony later.
3) Get Married Navajo style. I have a real love for the Southwest US -- Arizona, Utah. So, it would make sense that I had looked into getting married by a Navajo Indian Chief. The union of the couple is a union of the spirit. The ceremony is simple, by cliff side, and an intricate, handmade blanket is used to drape over the shoulders of the bride by her groom as a symbol of the union. Indian Sign Language is used to signal certain parts of the ceremony.
Wow, seeing those pictures again was great. Remember, I was daydreaming these dreams when I was 26 yrs old! As my readers know, I didn't chose any of the above, including the guy. I had a great time researching the symbolic representation of marriage though and still feel it would be really cool to re-marry every so often in different ways to renew your commitment to each other.
On that note, I'd love to have a ceremony at Bourges -- my all time favorite Gothic Cathedral.
Not sure if any of the ideas appeal, Miss M, thanks for the opportunity to go down memory lane!
Sunday, May 3, 2009
Car Revisited
There is a rumour that D may have a buyer for his car!
Last fall, I brought up the notion of going down to a 1 car family. (Mind you, after walking home in torrential rain earlier this week, I was thinking, "What are you thinking?!") Our insurance costs would be halved and I wouldn't have to budget for double the tires, maintenance etc.
I hope this lead is fruitful. It won't impact him at all because he would be driving my car -- it's just not his car -- and we drive the same car, same year, just different colours... that wasn't deliberate, we met that way!
I have already observed our local transit system and know what the schedule is, should I encounter a day where walking isn't a great idea. The bus gets me within a block of my work for around $2, so a pretty good deal. The bus stop is probably about 1 min away.
I'm going to keep $2 in my wallet in a special location, just in case this all pans out.
Off to a different topic now...
As an ongoing theme of reducing hobbies that have a relatively high cost per use, I've knocked scuba diving off my wish list. Ballroom dance lessons is likely to be next -- though if I ever decide to take a job as an instructor, I may get to use my dancing shoes again... this is one of my dream jobs!
Last fall, I brought up the notion of going down to a 1 car family. (Mind you, after walking home in torrential rain earlier this week, I was thinking, "What are you thinking?!") Our insurance costs would be halved and I wouldn't have to budget for double the tires, maintenance etc.
I hope this lead is fruitful. It won't impact him at all because he would be driving my car -- it's just not his car -- and we drive the same car, same year, just different colours... that wasn't deliberate, we met that way!
I have already observed our local transit system and know what the schedule is, should I encounter a day where walking isn't a great idea. The bus gets me within a block of my work for around $2, so a pretty good deal. The bus stop is probably about 1 min away.
I'm going to keep $2 in my wallet in a special location, just in case this all pans out.
Off to a different topic now...
As an ongoing theme of reducing hobbies that have a relatively high cost per use, I've knocked scuba diving off my wish list. Ballroom dance lessons is likely to be next -- though if I ever decide to take a job as an instructor, I may get to use my dancing shoes again... this is one of my dream jobs!
Friday, May 1, 2009
So You Wanna Hike the Grand Canyon?
I Cannot Believe it! I managed to have gotten through on the busiest day of each month to Central Reservations at Xanterra Resorts to get what?
To Get Accommodations At The Bottom Of The Grand Canyon!!!!! Yippeee!!!!
They sell out like concert tickets -- in 1/2 hr!
They open up a new month's worth of accommodations 13 months in advance so our reservations are for May 2010. You cannot just show up down there and those who camp have to apply for permits way in advance too.
D is super pumped as he has not hiked it before. My last hike down was 10 years ago.
This is the first of our 2010 efforts to travel more budget -- to help balance out this year's adventures.
I started re-dialing 5 minutes to and I wasn't alone as I got busy signal after busy signal. There are 30 lines that once open, pretty much wipes out the inventory.
I got through about 2 minutes after 7am mountain time and I told the agent that I feel like I've won a lottery.
Reservations have to be paid fully in advance and you also have to order all your meals at the same time as food is carried down by miles.
As the path is fairly narrow (not much more than 2 ft), without railings at about 10000 ft, with mules getting the right of way, hikers have to squash themselves against the rock wall in order to let them pass. I would not recommend this hike for children.
There are also no active rangers on the route. Hikers are advised to bring a small mirror to reflect light up to the top as there are rangers with binoculars looking down for signs of distress.
Depending on the trail you take, there may not be potable water available so you would need to carry min. 1 litre for each hour you take -- it gets heavy!
Coming up will tend to take much longer than coming down -- think double -- so an early start is a really good idea as temperature skyrocket pretty fast. You would like to make it to a certain elevation (almost 1/2 way) by 9am.
Cell phone reception is unreliable/non existent. Make sure you have adequate travel medical insurance that includes emergency helicopter transport.
To Get Accommodations At The Bottom Of The Grand Canyon!!!!! Yippeee!!!!
They sell out like concert tickets -- in 1/2 hr!
They open up a new month's worth of accommodations 13 months in advance so our reservations are for May 2010. You cannot just show up down there and those who camp have to apply for permits way in advance too.
D is super pumped as he has not hiked it before. My last hike down was 10 years ago.
This is the first of our 2010 efforts to travel more budget -- to help balance out this year's adventures.
I started re-dialing 5 minutes to and I wasn't alone as I got busy signal after busy signal. There are 30 lines that once open, pretty much wipes out the inventory.
I got through about 2 minutes after 7am mountain time and I told the agent that I feel like I've won a lottery.
Reservations have to be paid fully in advance and you also have to order all your meals at the same time as food is carried down by miles.
As the path is fairly narrow (not much more than 2 ft), without railings at about 10000 ft, with mules getting the right of way, hikers have to squash themselves against the rock wall in order to let them pass. I would not recommend this hike for children.
There are also no active rangers on the route. Hikers are advised to bring a small mirror to reflect light up to the top as there are rangers with binoculars looking down for signs of distress.
Depending on the trail you take, there may not be potable water available so you would need to carry min. 1 litre for each hour you take -- it gets heavy!
Coming up will tend to take much longer than coming down -- think double -- so an early start is a really good idea as temperature skyrocket pretty fast. You would like to make it to a certain elevation (almost 1/2 way) by 9am.
Cell phone reception is unreliable/non existent. Make sure you have adequate travel medical insurance that includes emergency helicopter transport.
Thursday, April 30, 2009
Another Day
I over did it. Been doing too many calculations about real estate affordability and now my brain is in a knot. The last 2 days, I have gotten off the calculator, spreadsheet and I am now starting to get back to "normal". I would like to blame my state on the detox but I know better! There is nothing that can get me wound up better than myself!
I can honestly say that I'm done with it and if it happens, then I will know that it can done well and with minimal worries. If not, I have just identified a source of money that can be used for other causes. And I already have ideas there.
Well, it is the last working day of the month. So far, it is looking like I have bettered my income goal for the month but just barely. I'll know for sure tomorrow when the month end statements come out.
This is turning out to be quite the travel year for us. We are using up travel points and flight vouchers with expiry dates. Next year may not be as colourful as we would be starting from near zero again.
In a way, with the economical slow down, it is a great year to take time off. I don't feel as stressed doing so vs. other years when I'm crazy busy and I know I am missing out on business. With things slower, there is more flexibility and accommodation and breathing room. The other day, I actually got a chance to read through a whole research journal. That rarely happens.
On another note, I have noticed some of my colleagues displaying worried looks. When they realize someone is watching, that look goes away but I caught it. Because I do not have a close relationship with those I work with, I have no idea of how close to the edge they live at and what real effects this slow down is having.
I can honestly say that I'm done with it and if it happens, then I will know that it can done well and with minimal worries. If not, I have just identified a source of money that can be used for other causes. And I already have ideas there.
Well, it is the last working day of the month. So far, it is looking like I have bettered my income goal for the month but just barely. I'll know for sure tomorrow when the month end statements come out.
This is turning out to be quite the travel year for us. We are using up travel points and flight vouchers with expiry dates. Next year may not be as colourful as we would be starting from near zero again.
In a way, with the economical slow down, it is a great year to take time off. I don't feel as stressed doing so vs. other years when I'm crazy busy and I know I am missing out on business. With things slower, there is more flexibility and accommodation and breathing room. The other day, I actually got a chance to read through a whole research journal. That rarely happens.
On another note, I have noticed some of my colleagues displaying worried looks. When they realize someone is watching, that look goes away but I caught it. Because I do not have a close relationship with those I work with, I have no idea of how close to the edge they live at and what real effects this slow down is having.
Wednesday, April 29, 2009
On Bread
I told D last night that we ought to consider baking our own sandwich bread, pita chips and start making our own hummus. Simple stuff right? I think so.
So why haven't we done it? Because those are relatively "low cost" purchases and like most low cost purchases, it can add up over the course of a year.
Plus, I love the smell of bakeries... and enjoy trying all sorts of Artisan breads. My latest love is a cranberry (fresh) and chocolate chip honey egg bread... so so yummy... it's more like dessert!
We currently bake our own french bread but it doesn't cut into slices that great. It works best being torn off in pieces during a communal meal.
None of the above things are difficult to make. In fact, we already cook and bake dishes much more complicated. It is just another habit that has been allowed to continue unquestioned, that's all.
I'm just shining a light on it now. So I figure that if we can take care of the more everyday stuff, I can go to the bakery for the really cool things that I haven't decided to attempt yet!
So why haven't we done it? Because those are relatively "low cost" purchases and like most low cost purchases, it can add up over the course of a year.
Plus, I love the smell of bakeries... and enjoy trying all sorts of Artisan breads. My latest love is a cranberry (fresh) and chocolate chip honey egg bread... so so yummy... it's more like dessert!
We currently bake our own french bread but it doesn't cut into slices that great. It works best being torn off in pieces during a communal meal.
None of the above things are difficult to make. In fact, we already cook and bake dishes much more complicated. It is just another habit that has been allowed to continue unquestioned, that's all.
I'm just shining a light on it now. So I figure that if we can take care of the more everyday stuff, I can go to the bakery for the really cool things that I haven't decided to attempt yet!
Tuesday, April 28, 2009
Hobbies Revisited
Back near Christmas, I was coming up with new goals for the year. I was questioning whether I wanted to take on yet another hobby that costs money to get into and during and after.
I am near decision time with respect to hobbies that cost money -- a lot of money (at least to me) to participate in.
So, here is what is getting the "boot" -- NO to getting my private pilot's licence. It is just too expensive and each flight afterwards will cost a bunch of money. I will stick to someone else to fly me around.
Since reading "Money Can Buy Happiness: How to Spend to Get the Life You Want" by MP Dunleavey, I have been looking at what I already have and weighing things up to the value measure inside me ie. does it really make me excited or just so so?
To do this effectively, I needed to ignore how much I spent on it and whether it was still in good condition or not. It is easy to talk oneself into keeping something just because...
Plus I am changing. There are some hobbies that use up precious resources that I simply do not feel right in consuming anymore.
The next step is evaluating hobby equipment that do not consume resources to participate in but I do not exactly wish to jump out of bed to do ie. I took it up as a challenge and it still scares me!
I am near decision time with respect to hobbies that cost money -- a lot of money (at least to me) to participate in.
So, here is what is getting the "boot" -- NO to getting my private pilot's licence. It is just too expensive and each flight afterwards will cost a bunch of money. I will stick to someone else to fly me around.
Since reading "Money Can Buy Happiness: How to Spend to Get the Life You Want" by MP Dunleavey, I have been looking at what I already have and weighing things up to the value measure inside me ie. does it really make me excited or just so so?
To do this effectively, I needed to ignore how much I spent on it and whether it was still in good condition or not. It is easy to talk oneself into keeping something just because...
Plus I am changing. There are some hobbies that use up precious resources that I simply do not feel right in consuming anymore.
The next step is evaluating hobby equipment that do not consume resources to participate in but I do not exactly wish to jump out of bed to do ie. I took it up as a challenge and it still scares me!
Monday, April 27, 2009
Trading Places
One of the biggest impact I could make budget wise each year is reducing the amount of travel we do -- to our own properties as well as to other places. Believe me, I do think about it a lot.
D considers himself a lobbyist now because he fights for the "rights" of most everything and anything he feels I'm about to pitch for the sake of saving money. He feels I'm too extreme. I told him to start reading some of the blogs out there and he'll see that I'm pretty darn tame!
The cottage is one space that finds itself on the chopping block now and then. We could realize a good return on investment should we sell. We would also save on gasoline etc. etc.
Reducing our yearly travel would make a huge difference in our yearly budget. One overseas trip represents 1 1/2 yrs of cottage operating costs.
But I cannot seem to make the cut. Not only that, I am actively searching for another place to call home.
Some days, I wish I didn't find such enjoyment from a change in environment or feel like I need it. As much as I grumble about the cottage at times, I sleep so soundly there, feel so light and love the sheer darkness of the nights.
Being pulled physically away from technology and everyday routine allows me to really feel just how I am. I guess that is one reason why people seek out alternate places. I hear different sides of myself when exposed to different places.
I've asked myself if it is possible to create that at home? Do I have the discipline to unplug the phones, not touch the computer, not do anything chores, find a way to make silence and darkness?
The reality is that my home isn't my cottage or ski condo. It never was and cannot be converted without losing itself. As beautiful as I feel my home space is, it doesn't provide everything and it cannot be everything. No more can my spouse or my career or me can.
My travels and multiple location lifestyle is very much a luxury. I am willing to let them go if need be. In the meantime, I am doing my very best to compensate for them by being frugal everyday.
D considers himself a lobbyist now because he fights for the "rights" of most everything and anything he feels I'm about to pitch for the sake of saving money. He feels I'm too extreme. I told him to start reading some of the blogs out there and he'll see that I'm pretty darn tame!
The cottage is one space that finds itself on the chopping block now and then. We could realize a good return on investment should we sell. We would also save on gasoline etc. etc.
Reducing our yearly travel would make a huge difference in our yearly budget. One overseas trip represents 1 1/2 yrs of cottage operating costs.
But I cannot seem to make the cut. Not only that, I am actively searching for another place to call home.
Some days, I wish I didn't find such enjoyment from a change in environment or feel like I need it. As much as I grumble about the cottage at times, I sleep so soundly there, feel so light and love the sheer darkness of the nights.
Being pulled physically away from technology and everyday routine allows me to really feel just how I am. I guess that is one reason why people seek out alternate places. I hear different sides of myself when exposed to different places.
I've asked myself if it is possible to create that at home? Do I have the discipline to unplug the phones, not touch the computer, not do anything chores, find a way to make silence and darkness?
The reality is that my home isn't my cottage or ski condo. It never was and cannot be converted without losing itself. As beautiful as I feel my home space is, it doesn't provide everything and it cannot be everything. No more can my spouse or my career or me can.
My travels and multiple location lifestyle is very much a luxury. I am willing to let them go if need be. In the meantime, I am doing my very best to compensate for them by being frugal everyday.
Friday, April 24, 2009
On Meat
Over the last year or so, our organic butcher was in the process of cutting back hours in our local shop. We got tired of the long Saturday morning line ups and decided to take it as a sign that maybe, this is finally the time to start seriously cutting back our meat consumption.
The benefits are obvious and the timing was right. We had switched to organic meat a few years ago as our effort to move away from antibiotic and other drug tainted meat. Reducing consumption was where I was hoping to go and now it is here.
For the last year or so, we've stopped buying things like Prime Rib, steaks, rump roasts etc. We do still buy bacon, ground beef, chicken, turkey and pork. I cannot remember the last time we grilled a steak. And our portion sizes of meat have decreased dramatically -- 50% less.
Whereas, our previous heavy meat eating lifestyle would include steak/prime rib weekly. For us, it just doesn't make sense anymore, from the pocketbook perspective nor the environmental one.
I cannot say that I will ever become vegan but I would like my food pendulum to move more that way this year.
The benefits are obvious and the timing was right. We had switched to organic meat a few years ago as our effort to move away from antibiotic and other drug tainted meat. Reducing consumption was where I was hoping to go and now it is here.
For the last year or so, we've stopped buying things like Prime Rib, steaks, rump roasts etc. We do still buy bacon, ground beef, chicken, turkey and pork. I cannot remember the last time we grilled a steak. And our portion sizes of meat have decreased dramatically -- 50% less.
Whereas, our previous heavy meat eating lifestyle would include steak/prime rib weekly. For us, it just doesn't make sense anymore, from the pocketbook perspective nor the environmental one.
I cannot say that I will ever become vegan but I would like my food pendulum to move more that way this year.
Thursday, April 23, 2009
On Local Food
It's spring and farmers' market season has started. What a relief!
Over the winter I've struggled with the concept of buying local food vs buying foods that have been imported from other countries.
In Canada, where I am, we have snow and thus not much local produce to buy after October.
I understand the concept of eating with the seasons and eating local foods that didn't require a whole lot of shipping costs, but really, there wasn't a whole lot to chose from.
So this winter, I bought lettuce and oranges and asparagus etc. that were shipped from around the world, once I got tired of cabbage.
Some days, I wish I lived in a more temperate area where I could get fresh produce year round!
Our seeds are coming along nicely, most of them, that is. There are some that simply haven't germinated but it will give us the chance to replant new ones allowing us to stagger our (hopefully higher than last year) yields.
Over the winter I've struggled with the concept of buying local food vs buying foods that have been imported from other countries.
In Canada, where I am, we have snow and thus not much local produce to buy after October.
I understand the concept of eating with the seasons and eating local foods that didn't require a whole lot of shipping costs, but really, there wasn't a whole lot to chose from.
So this winter, I bought lettuce and oranges and asparagus etc. that were shipped from around the world, once I got tired of cabbage.
Some days, I wish I lived in a more temperate area where I could get fresh produce year round!
Our seeds are coming along nicely, most of them, that is. There are some that simply haven't germinated but it will give us the chance to replant new ones allowing us to stagger our (hopefully higher than last year) yields.
Wednesday, April 22, 2009
Less Pressure
There has been a change in the air around me since this "recession" has come. The best description I have is that things feel like they have "retreated" somewhat. I've noticed that people seem more conservative, more withdrawn.
Personally, I believe it is a good thing.
Around my office, there is less hype, less rush. I guess one too, can interpret that as not a good thing business wise but I see it as more relaxed and I am enjoying it. It's as if there is less "pressure" somehow.
When external factors create an environment (real or imagined) that is conducive to slowing down, I tend to embrace it as I view it as a cycle. Like most cycles, it too shall pass.
Personally, I believe it is a good thing.
Around my office, there is less hype, less rush. I guess one too, can interpret that as not a good thing business wise but I see it as more relaxed and I am enjoying it. It's as if there is less "pressure" somehow.
When external factors create an environment (real or imagined) that is conducive to slowing down, I tend to embrace it as I view it as a cycle. Like most cycles, it too shall pass.
Tuesday, April 21, 2009
Life Goes On
It is nice to get my computer back! For the last day or so, it was under siege by some Trojan virus which made going online impossible.
I'm amazed just how dependent I have become to the Internet. My banking gets done online, I get my news, keep in touch with friends and book trips etc.
On the flip side, I got more house organization and cleaning done while the problem was being fixed.
Good news for variable rate mortgage holders, the Bank of Canada rate went down again 25 basis points to what they are saying is the lowest it will go.
My mortgages will be at a staggering 1.35% and 1.50% respectively once my bank (hopefully) follows suit in a couple of days.
A return trip to Nfld did get booked today and I've been madly looking around for things to sell in order to support my habit... : ) D's coming this time. He wants to see what all my hype is about!
My Spanish review is going slow but steady. I've added my treadmill workout to my current bike workout and also started a homeopathic detox tonight.
I'm amazed just how dependent I have become to the Internet. My banking gets done online, I get my news, keep in touch with friends and book trips etc.
On the flip side, I got more house organization and cleaning done while the problem was being fixed.
Good news for variable rate mortgage holders, the Bank of Canada rate went down again 25 basis points to what they are saying is the lowest it will go.
My mortgages will be at a staggering 1.35% and 1.50% respectively once my bank (hopefully) follows suit in a couple of days.
A return trip to Nfld did get booked today and I've been madly looking around for things to sell in order to support my habit... : ) D's coming this time. He wants to see what all my hype is about!
My Spanish review is going slow but steady. I've added my treadmill workout to my current bike workout and also started a homeopathic detox tonight.
Monday, April 20, 2009
Back to it
We buckled and used the dishwasher on the weekend after hosting a dinner party. We had been washing our dishes by hand since Dec after finding out that our energy star appliance still used more energy and water than hand washing.
On the weekend, we went to look at getting some mulch delivered for our gardens. After finding out that the delivery charge was going to cost more than the materials, we picked up some shovels and started shoveling the stuff into the back of our vehicle (over a tarp, of course!), to the tune of just 1 yard, saving the $75 delivery charge.
It took another hour to wheelbarrow all of it and spread into the various gardens and we figure that if we did that once a year, we would be in great shape and any weeding would be exponentially easier. It felt good to do work like that.
Other than that, there was a list of small organizing things that was done around the house. You know those things that you walk by all the time that you make a mental note of... like moving that vase over there would be better, or that needs to be put away, books need to be organized, that need dusting behind there...you know, little things that don't really get in the way but add up over time. Those were done.
On a different note, I really really noticed how much healthier I am when I am on vacation than at home. I realize that things are relative and that I'm not in dire straights at home, but my home habits aren't as good, that's all.
I drink more water, I walk more and I do not tend to snack when I'm away. Perhaps I get so blown away by my new environment that I am distracted in a good way? I do eat really well as I love trying different restaurants, but I still end up losing a pound or 2.
Once I get home, I noticed that I would go back to rummaging through the pantry looking for snacks again...sigh! Maybe I have too much food temptation available here...
On financial news, I brought home $1189.65 more this month! My no tax account is getting maxed out today, net worth is inching up again and the Bank of Canada rate announcement is due out tomorrow morning.
I've also re-jigged the dream account and working accounts just in case something works out in the Nfld front. I'm considering a return trip this summer.
On the weekend, we went to look at getting some mulch delivered for our gardens. After finding out that the delivery charge was going to cost more than the materials, we picked up some shovels and started shoveling the stuff into the back of our vehicle (over a tarp, of course!), to the tune of just 1 yard, saving the $75 delivery charge.
It took another hour to wheelbarrow all of it and spread into the various gardens and we figure that if we did that once a year, we would be in great shape and any weeding would be exponentially easier. It felt good to do work like that.
Other than that, there was a list of small organizing things that was done around the house. You know those things that you walk by all the time that you make a mental note of... like moving that vase over there would be better, or that needs to be put away, books need to be organized, that need dusting behind there...you know, little things that don't really get in the way but add up over time. Those were done.
On a different note, I really really noticed how much healthier I am when I am on vacation than at home. I realize that things are relative and that I'm not in dire straights at home, but my home habits aren't as good, that's all.
I drink more water, I walk more and I do not tend to snack when I'm away. Perhaps I get so blown away by my new environment that I am distracted in a good way? I do eat really well as I love trying different restaurants, but I still end up losing a pound or 2.
Once I get home, I noticed that I would go back to rummaging through the pantry looking for snacks again...sigh! Maybe I have too much food temptation available here...
On financial news, I brought home $1189.65 more this month! My no tax account is getting maxed out today, net worth is inching up again and the Bank of Canada rate announcement is due out tomorrow morning.
I've also re-jigged the dream account and working accounts just in case something works out in the Nfld front. I'm considering a return trip this summer.
Friday, April 17, 2009
Newfoundland
I'm back from Newfoundland. It was wonderful. To me, it has that even larger than life feeling. I loved it.
I followed my gut and made no appointments/meetings prior to my departure. My experience with Realtors up to now, via email and phone, left a lot to be desired so I decided I would just feel my way around on my own. (This was a solo journey)
As a believer of releasing things to the universe when faced with situations beyond my control, I was pleased when the proprietor of the Inn I stayed at connected me with a Realtor (they had worked together previously for the government) who he felt was the most honest person he knew.
So off we went, touring various areas and properties. Learned a lot and got a great feel for the different areas. Found out important things like, how far is it reasonable to drive, how nice is the drive, how it is possible to be in an area that is too barren, where the major service areas were and how different the geography can get even in matter of minutes.
Right now I'm in love with a few areas. One of which can get downright scary to drive to...and yup, I like this one the best...
Because of the last minute nature of meeting the right Realtor, we were not able to get access to all the properties that were available. But, we do have a plan in place to screen thoroughly prior to viewing.
Can you believe that ceiling height can be an issue? I never thought that would come to be but we saw a couple of places that were barely higher than 6ft. D is 6' 1''.
Other places were in very dramatic locations but the area around it had an abandoned feeling. I didn't like that.
One thing was consistent though. Any time a local person found out that I was hoping to make Nfld home, they just started beaming. The pride of the people there was contagious.
The search continues. To get what I would like may end up costing more than I had in mind. That may end up changing the timing of it all but what I know for sure is that the price of poker just went up.
I followed my gut and made no appointments/meetings prior to my departure. My experience with Realtors up to now, via email and phone, left a lot to be desired so I decided I would just feel my way around on my own. (This was a solo journey)
As a believer of releasing things to the universe when faced with situations beyond my control, I was pleased when the proprietor of the Inn I stayed at connected me with a Realtor (they had worked together previously for the government) who he felt was the most honest person he knew.
So off we went, touring various areas and properties. Learned a lot and got a great feel for the different areas. Found out important things like, how far is it reasonable to drive, how nice is the drive, how it is possible to be in an area that is too barren, where the major service areas were and how different the geography can get even in matter of minutes.
Right now I'm in love with a few areas. One of which can get downright scary to drive to...and yup, I like this one the best...
Because of the last minute nature of meeting the right Realtor, we were not able to get access to all the properties that were available. But, we do have a plan in place to screen thoroughly prior to viewing.
Can you believe that ceiling height can be an issue? I never thought that would come to be but we saw a couple of places that were barely higher than 6ft. D is 6' 1''.
Other places were in very dramatic locations but the area around it had an abandoned feeling. I didn't like that.
One thing was consistent though. Any time a local person found out that I was hoping to make Nfld home, they just started beaming. The pride of the people there was contagious.
The search continues. To get what I would like may end up costing more than I had in mind. That may end up changing the timing of it all but what I know for sure is that the price of poker just went up.
Thursday, April 9, 2009
Happy Easter
I'm getting ready for my extended Easter long weekend. I am mostly looking forward to the time, to reflect on the occasion as well as time for me. Hope to get some more reading (and less chocolate eating...) in as well.
I've secured our rental apartment in Buenos Aires and budgeted for our spending money. Next, will be looking into potential immunization requirements for the country.
Some alternative health practitioners are "anti" immunization but I am not one of them. For example, there is no cure for yellow fever. I am not willing to take that risk, even though I feel I am fairly healthy.
I am down to my last $750 left in contribution room towards my non tax savings account. Ought to be completed this month.
Am also gearing up for my Newfoundland trip. Who knows what will happen there?!
Since I've read some of James Hollis's work, I've been ultra aware of my potential pass imprinting affecting how I am now. He describes it as a necessary process to determine if you've truly "left home". Fascinating!
I'm also very excited to see what will happen this morning at my appointment. I am going to be uber tuned to my gut.
I do not plan to have access to internet over Easter, so Happy Easter everyone!!!
I've secured our rental apartment in Buenos Aires and budgeted for our spending money. Next, will be looking into potential immunization requirements for the country.
Some alternative health practitioners are "anti" immunization but I am not one of them. For example, there is no cure for yellow fever. I am not willing to take that risk, even though I feel I am fairly healthy.
I am down to my last $750 left in contribution room towards my non tax savings account. Ought to be completed this month.
Am also gearing up for my Newfoundland trip. Who knows what will happen there?!
Since I've read some of James Hollis's work, I've been ultra aware of my potential pass imprinting affecting how I am now. He describes it as a necessary process to determine if you've truly "left home". Fascinating!
I'm also very excited to see what will happen this morning at my appointment. I am going to be uber tuned to my gut.
I do not plan to have access to internet over Easter, so Happy Easter everyone!!!
Wednesday, April 8, 2009
No Longer Serves
I have a weird habit -- I am just starting to realize that I have such a behaviour but D says it does surface frequent enough to be a pattern.
He describes it as my tendency to get rid of things, things I really like, before it is taken away from me by an imaginary someone.
The back story is that one of my early memories as a 6 yr old involves having my favorite coat taken off me by my grandmother so that it could be given to a younger cousin of mine who wouldn't have been able to have such a coat. I was given my cousin's coat in "exchange".
I remember my mother coaxing me to be the "bigger" person because it was cold and I didn't want to give away my favorite red coat. I remember holding back the tears.
One positive outcome of this experience is that I find it extremely easy to give -- anything --literally -- I would give someone the shirt off my back. In fact I have Willed 8/10ths of everything I own to various charities.
The flip side is that I have been known to pry my most treasured possessions away from myself, when there isn't any real need to, to the point where, in the past, I've thrown out mementos and awards etc. when I didn't really want to, in the name of decluttering.
D feels it is my response to my early experience and to voluntarily give something valuable away is my way of controlling loss because it would be on my own terms and not by someone else's. It does make a disturbing amount of sense.
I haven't done that in a while (perhaps I have precious few things left...sadly) but now that D has pointed that out, I am in deep thought about this as I have an appointment tomorrow morning to get some of my more valuable hobby equipment evaluated for potential sale.
I would like to think that know I'm "onto it", and aware of it, I will make a decision purely based on its own accord and not led by some past imprinting that no longer serves me.
He describes it as my tendency to get rid of things, things I really like, before it is taken away from me by an imaginary someone.
The back story is that one of my early memories as a 6 yr old involves having my favorite coat taken off me by my grandmother so that it could be given to a younger cousin of mine who wouldn't have been able to have such a coat. I was given my cousin's coat in "exchange".
I remember my mother coaxing me to be the "bigger" person because it was cold and I didn't want to give away my favorite red coat. I remember holding back the tears.
One positive outcome of this experience is that I find it extremely easy to give -- anything --literally -- I would give someone the shirt off my back. In fact I have Willed 8/10ths of everything I own to various charities.
The flip side is that I have been known to pry my most treasured possessions away from myself, when there isn't any real need to, to the point where, in the past, I've thrown out mementos and awards etc. when I didn't really want to, in the name of decluttering.
D feels it is my response to my early experience and to voluntarily give something valuable away is my way of controlling loss because it would be on my own terms and not by someone else's. It does make a disturbing amount of sense.
I haven't done that in a while (perhaps I have precious few things left...sadly) but now that D has pointed that out, I am in deep thought about this as I have an appointment tomorrow morning to get some of my more valuable hobby equipment evaluated for potential sale.
I would like to think that know I'm "onto it", and aware of it, I will make a decision purely based on its own accord and not led by some past imprinting that no longer serves me.
Tuesday, April 7, 2009
More Stereotypes Not to Live By
Not to be outdone :) , I too work with a couple of female "stereotypes" that I am shocked by.
C is a successful business owner who cannot understand why she hasn't found "the one" yet. She feels she has a ton to offer the right guy and has gone on hundreds of dates in the last few years.
Here's the catch. She is looking for someone that is willing to work around her schedule, her life and preferably has health/financial benefits that she would be able to take advantage of once things got more serious....
Need I say more?!
What I do not understand, is why would she be hung up on getting financial benefits when she is doing very very well financially, has a source of passive income and is always on the hunt for other business opportunities!
I don't understand this.
Next up...
D has changed careers a few times in her life. Because of this, she is currently starting a new career where there has been a substantial investment in time and money owed along the way. What is the catch?
There is a burning desire and timeline with respect to having children. And she would allow pregnancy to trump debt and career. So much so, she is willing to have children with someone who has a pass and present history of substance addiction, just so she can meet her biological deadline.
Should things go sour, D would not be able to manage things financially at all, on her own. She cannot manage things right now, sans baby.
I just don't get it.
C is a successful business owner who cannot understand why she hasn't found "the one" yet. She feels she has a ton to offer the right guy and has gone on hundreds of dates in the last few years.
Here's the catch. She is looking for someone that is willing to work around her schedule, her life and preferably has health/financial benefits that she would be able to take advantage of once things got more serious....
Need I say more?!
What I do not understand, is why would she be hung up on getting financial benefits when she is doing very very well financially, has a source of passive income and is always on the hunt for other business opportunities!
I don't understand this.
Next up...
D has changed careers a few times in her life. Because of this, she is currently starting a new career where there has been a substantial investment in time and money owed along the way. What is the catch?
There is a burning desire and timeline with respect to having children. And she would allow pregnancy to trump debt and career. So much so, she is willing to have children with someone who has a pass and present history of substance addiction, just so she can meet her biological deadline.
Should things go sour, D would not be able to manage things financially at all, on her own. She cannot manage things right now, sans baby.
I just don't get it.
Monday, April 6, 2009
All Going
The total this time around was 3 large garbage bags full of great clothes, a DVD player, a couple of gifts that was never used, a pizza stone, a desk and a ceiling fan. All of which will be picked up before noon today. Yeah!!!
My closet looks amazing. Things are actually organized. I cannot believe how putting all the similar types of clothing in the same area helps me to appreciate just how much I have. My "need" for work pants isn't near as dire as I thought. Between the pants that have stayed and the skirts and dresses I have, I will not need any more.
My closet looks amazing. Things are actually organized. I cannot believe how putting all the similar types of clothing in the same area helps me to appreciate just how much I have. My "need" for work pants isn't near as dire as I thought. Between the pants that have stayed and the skirts and dresses I have, I will not need any more.
Saturday, April 4, 2009
The Good and the Crazy
There is a bag on the kitchen counter containing a 12 inch pony tail that was cut off the other day. It will be sent away by post next week in support of the cancer society.
I'm happy with my short hair do and I am happy part of me can help out. (My stylist and I were aiming for 8 inches but neither of us had a tape measure so we cut off as much as we could to be safe and hoped for the best)
Didn't get to the sweater try on yesterday but D did his part and we now have a pile of pants and sweaters and shirts that he is giving away.
Over dinner last night, we were discussing "what we would do if we found ourselves in such a spot" with reference to a conversation D had with one of his colleagues.
A is a proud new dad and his wife B is just loving being a mother. Nothing wrong here but B has an addiction to shopping so their debt load (they have a mortgage, lines of credits owing and well as 2 fairly expensive car payments) is growing steadily each week -- to the point where A has asked her to stop buying.
B's response ranges from "I never wanted kids until we got married" to "you just bought yourself such and such...". B has no intentions of going back to work -- she doesn't love it and doesn't feel she needs to.
A is feeling the pressure as he is not only responsible for her students loans and because he has done it time and time again, will continue to be responsible for bailing out the maxed out credit cards each month.
As a woman, I am embarrassed.
B went to university, graduated with a profession and gave it a go for 2 years and never went back. Then it morphed into working overseas but came back with more debt. I believe that I've likely gone to school longer than B has ever worked in her life.
A works about 60 hrs a week. He has just completed a graduate business program as well. He has a spending problem and he feels that creates justification for B to spend too as they are married and everything is "equal".
Personally, I would not be able to stand by and see my spouse work like that and not be worried about health and well being. Nor would I make a decision of never working again, when there is so much debt. Buying expensive things you cannot afford frequently is masking underlying currents of discontent.
In my office, because most of us women are self employed, the ranges of maternity leave have been from 3 weeks (due to husband lay off) to 3 months. That's it. It isn't because those women hate being mothers or wasn't completely torn with having to leave their babies or that they are irresponsible.
There wasn't one of them who didn't cry the first week they were back. It was a matter of making the best decision for their family's current and long term security as well as protection of their respective practices that they spent years building.
Self employed mothers do not get maternity leave benefits. We have to save up on our own. So I am definitely biased when I see families that are not even close to "working together" to create a life where everyone benefits.
The women who weren't self employed mostly took the entire year off except for one who seriously didn't enjoy staying at home and opted to go back to work at 6 months.
The other issue I see is the need to spend and the feeling that one person's spending justifies the other to "match". That has turned into a contest where the stakes are getting higher and higher -- out of anger and spite and "not to be outdone" instead of realizing that by doing so, it chips away at their very foundation.
I think they need to speak to someone about their spiraling debt as well as someone else about their relationship dynamics. I am scared for them.
I'm happy with my short hair do and I am happy part of me can help out. (My stylist and I were aiming for 8 inches but neither of us had a tape measure so we cut off as much as we could to be safe and hoped for the best)
Didn't get to the sweater try on yesterday but D did his part and we now have a pile of pants and sweaters and shirts that he is giving away.
Over dinner last night, we were discussing "what we would do if we found ourselves in such a spot" with reference to a conversation D had with one of his colleagues.
A is a proud new dad and his wife B is just loving being a mother. Nothing wrong here but B has an addiction to shopping so their debt load (they have a mortgage, lines of credits owing and well as 2 fairly expensive car payments) is growing steadily each week -- to the point where A has asked her to stop buying.
B's response ranges from "I never wanted kids until we got married" to "you just bought yourself such and such...". B has no intentions of going back to work -- she doesn't love it and doesn't feel she needs to.
A is feeling the pressure as he is not only responsible for her students loans and because he has done it time and time again, will continue to be responsible for bailing out the maxed out credit cards each month.
As a woman, I am embarrassed.
B went to university, graduated with a profession and gave it a go for 2 years and never went back. Then it morphed into working overseas but came back with more debt. I believe that I've likely gone to school longer than B has ever worked in her life.
A works about 60 hrs a week. He has just completed a graduate business program as well. He has a spending problem and he feels that creates justification for B to spend too as they are married and everything is "equal".
Personally, I would not be able to stand by and see my spouse work like that and not be worried about health and well being. Nor would I make a decision of never working again, when there is so much debt. Buying expensive things you cannot afford frequently is masking underlying currents of discontent.
In my office, because most of us women are self employed, the ranges of maternity leave have been from 3 weeks (due to husband lay off) to 3 months. That's it. It isn't because those women hate being mothers or wasn't completely torn with having to leave their babies or that they are irresponsible.
There wasn't one of them who didn't cry the first week they were back. It was a matter of making the best decision for their family's current and long term security as well as protection of their respective practices that they spent years building.
Self employed mothers do not get maternity leave benefits. We have to save up on our own. So I am definitely biased when I see families that are not even close to "working together" to create a life where everyone benefits.
The women who weren't self employed mostly took the entire year off except for one who seriously didn't enjoy staying at home and opted to go back to work at 6 months.
The other issue I see is the need to spend and the feeling that one person's spending justifies the other to "match". That has turned into a contest where the stakes are getting higher and higher -- out of anger and spite and "not to be outdone" instead of realizing that by doing so, it chips away at their very foundation.
I think they need to speak to someone about their spiraling debt as well as someone else about their relationship dynamics. I am scared for them.
Friday, April 3, 2009
Exciting Times
Yesterday's pant try on was a worthwhile exercise. I had pants in there I had forgotten about. Considering that I just moved 1 1/2 yrs ago, that too is embarrassing!
Total donated will be 7 pairs plus 1 pair to be thrown out. There were 2 pairs (in a past pile labeled for donation) that suddenly "worked" again so I gained in a way!
Not sure if I will have time this morning before heading off to work to attack the next topic --sweaters but if not, then perhaps tomorrow.
Made a decision about summer travel. The winner is Buenos Aires. It will be their spring. My dream account will be all used up for the year. Funny enough, I will have "caught up" on the 3 trips I canceled last year but taken in very different forms from how it was last year. Very excited nevertheless! My Spanish books will get dusted off this weekend!
Have a great Friday!
Total donated will be 7 pairs plus 1 pair to be thrown out. There were 2 pairs (in a past pile labeled for donation) that suddenly "worked" again so I gained in a way!
Not sure if I will have time this morning before heading off to work to attack the next topic --sweaters but if not, then perhaps tomorrow.
Made a decision about summer travel. The winner is Buenos Aires. It will be their spring. My dream account will be all used up for the year. Funny enough, I will have "caught up" on the 3 trips I canceled last year but taken in very different forms from how it was last year. Very excited nevertheless! My Spanish books will get dusted off this weekend!
Have a great Friday!
Thursday, April 2, 2009
Continuing On
I'm embarrassed to admit that I tried on 13 coats (not including ski and currently used winter ones) yesterday... am going to donate 3 of them -- a wool one, a leather one and a suede one.
It happened just like I imagined it would too. I would put a coat on, and there was an immediate feeling of Yes! or No! So the whole process didn't take near the time I thought it would.
This morning will be pants. The pickup of the desk and various kitchen supplies as well as clothing will be on Monday. So this weekend will be cut out for us. I work better at things like this when I have a deadline.
Yesterday I was tempted by fabulous Italy flight deals through Alitalia. No decisions yet but it is fun to "window shop"!
It happened just like I imagined it would too. I would put a coat on, and there was an immediate feeling of Yes! or No! So the whole process didn't take near the time I thought it would.
This morning will be pants. The pickup of the desk and various kitchen supplies as well as clothing will be on Monday. So this weekend will be cut out for us. I work better at things like this when I have a deadline.
Yesterday I was tempted by fabulous Italy flight deals through Alitalia. No decisions yet but it is fun to "window shop"!
Wednesday, April 1, 2009
In and Out
My goal today is to try on all of my coats. If the fit is no longer satisfactory, they will be donated to a local store whose profits go directly back into my community. We have a desk in the basement that will go to the same place.
For the past decade or so, I've been ultra aware of what comes into my home -- purchases, gifts etc. For every piece that comes in, I look for one that goes out, so that there can be some semblance of equilibrium. Anyone else do that?
Both D and I are in (almost dire) need of new work pants. They are either worn out or no longer fitting well. If we go shopping this weekend, I would like some current pieces to go first.
One last thing that has been on my mind are sports equipment that are no longer used. I cringed when I made a call inquiring on selling them. The store's cut will be 30% if I sell on consignment and 50% if they buy it directly from me. Ouch!!!
Yet another confirmation to really think before you buy!
For the past decade or so, I've been ultra aware of what comes into my home -- purchases, gifts etc. For every piece that comes in, I look for one that goes out, so that there can be some semblance of equilibrium. Anyone else do that?
Both D and I are in (almost dire) need of new work pants. They are either worn out or no longer fitting well. If we go shopping this weekend, I would like some current pieces to go first.
One last thing that has been on my mind are sports equipment that are no longer used. I cringed when I made a call inquiring on selling them. The store's cut will be 30% if I sell on consignment and 50% if they buy it directly from me. Ouch!!!
Yet another confirmation to really think before you buy!
Subscribe to:
Posts (Atom)