Friday, August 16, 2013

It's Friday!

Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
Chief Seattle (c. 1786 - 1866)


At long last my mother's new room in the facility will be ready in the middle of September. This is one month later than the original date we were given.  It is a shame because it means I won't be visiting mom until after her birthday. I'll also be attending a care meeting with staff after the move so I will at least get a chance to visit with mom over a longer period of time than usual. She will like that because she gets lonely with most of her family members living far away.

I'm hoping that things will improve for mom's state of mind once she moves into her room and that the new staff on the floor will be more compassionate and sensitive. I haven't been impressed with things at the new facility so far.  If it weren't for the knowledge that many people are praying with and for me, I would be feeling very stressed out about the entire situation. In fact a few weeks ago I was very stressed out .  But after much prayer, I have calmed down and am trying to take things day by day. I also talk to mom daily.  Sometimes several times a day. When her anxiety levels rise, I just try to keep her calm and talk her through it.

Some of you will remember that mom is also still waiting for several pieces of medical equipment.  These have all been on order for awhile but they are slow in arriving.  I'm hoping by tomorrow (they didn't and neither did we get a phone call) she will have most of the items.  I don't think the Occupational Therapist ever ordered the over the bed hospital tables that she can get on loan from the local Red Cross. I haven't followed up on it yet because there are so many others things to follow up on and deal with.  The big ticket item we are waiting for is the demonstration model wheelchair.  It should be delivered next week if all goes according to plan but I'll believe it when I "see it".  It is a demonstration model so it won't be customized.  But it will have some features that should make mom more comfortable.

Mom's new wheelchair will have 6 wheels like this one.

We are most excited about her move and the arrival of the new chair because living on the ground level will give her more freedom to get outside for fresh air.  She misses that so much.  She doesn't like getting into the elevator due to poor eye sight.  Once she is on the ground level it will be a little easier for her to navigate on her own to get outdoors.  What a simple thing it is for most of us to go outside and yet I wonder if we fully appreciate the blessing that is.

Fresh air won't address my mother's loneliness at not seeing her children so often. but it will help her a lot.

I get lonely too but for different reasons. If you've been a caregiver I'm sure you know the loneliness of shouldering the burden of care for loved ones. We want to look after our loved ones but sometimes it just takes so much out of us.  In part, it explains why I've been posting a lot lately about my financial and health matters. Though it is rare, there are times I just want to reach out and share my heart and experiences with others and feel connected to others by hearing from them.

Isn't that what the blogging experience is all about?

When the response is resounding silence, it can exacerbate the lonely experience.  When the response to a post are great comments, encouragement or shared experiences, suddenly the world doesn't seem like such a lonely place. It's nice to make blogging friends and sometimes those blogging friends get to be friends you meet in real life. Now that's special!


I love the pink in these flowers and wanted to share them with you.

Have a wonderful weekend.

Update - August 18, 2013- I learned that my nephew & his girlfriend will be visiting my mom at the end of this month for her birthday. God is good!

Note: I wrote this post for  5 Minute Friday but discovered later that the prompt word "lonely" was for last week :-0

Wednesday, August 14, 2013

Frugal Reflections

Hi friends,

Today I thought I'd write about the delayed gratification factor and it's relationship to frugal living and debt reduction. It might help someone else who is trying to change spending habits.  I've been working on this for quite some time now as my natural inclination is to spend, not save.  It takes lots of practise, reflection and correction for me to get back on track with a disciplined approach to finances but I'm determined to do it. Each year, I add new financial goals to help guide me in staying on track too. This year I've managed to pay off  3 smaller debts related to my home.  I've also managed to slightly increase my regular investment contribution.  There are two things that helped me with this.  The first is wanting to contribute more to Kenyan missions.  The second is the Biblical verse that says "The rich rules over the poor, and the borrower becomes the lender’s slave."Proverbs 22:7  I no longer wish to be a slave to debt.


Earlier this week, I wrote here about several perceived needs I have that were going to cost me a fair bit of money.  The list included:

  • duvet covers (2)
  • bed skirts (2) to match the covers
  • tower fan, and an
  • office chair
Like many people these days, I try to think two or three times before spending money on these kinds of items (one of my financial goals).  Generally I do not have to think twice about buying food items or items to help me with my health but I do shop around for the best prices on absolutely everything.  A lot of my thinking about when to spend is connected to debt and the commitment I have to avoid unnecessary debt.  While I know I am not as frugal as some of you,  I am more frugal than many people in my circle and try to more mindful about my spending habits (a hard thing for a natural born spender).

Debt (mine or yours) is often connected to credit cards or lines of credit.  In my case, credit card debt is usually connected to travel and to helping my mom get whatever she might need to be comfortable or address her health issues.  Since I have no where to stay, when I travel to see her, much of the expense is related to hotel and food needs.  When I make the charges, I do try to think about the payments that will have to be made in future to pay them off and try to assess how long it will take. So every month, I examine the credit card charges and pay the maximum I can possibly afford each and every month. Some months I pay much more than other months. It really depends on the household and other expenses in a given month.  I also examine any other debts I have and pay as much as I can, as often as I can.  As for the line of credit, I got the balance fairly low and might move one credit card debt to it in order to pay it down faster and save on the interest rate.

Okay now back to what I've identified as my current needs.  The good news is that I won't be spending much on these after all.  After paying the bills this month and examining spending patterns over the last month or so, and the balance left over, I can better determine that some needs are not so urgent and in fact some are more "wants" than necessities.

My rationale for spending decision went something like this. If my fan gives out by the end of summer, I can wait until next summer to get one.  If my mother's fan gives out before next summer because she uses it virtually every day for hours a day, I can give her my bedroom fan which works perfectly fine.

I do have to get a birthday present for a loved one so I will order 1 (one) of the duvet covers but not the bed skirt. The duvet cover is already reduced and I have a 50% off coupon so the overall cost is minimal. Many truly frugal people do not buy gifts for others. Some frugal people only make gifts for others. I have gone through periods where I buy gifts, make gifts or don't give any gifts.  The duvet cover I wanted for myself is not absolutely necessary so I won't buy it.  This will save me money.  It will also save me the aggravation of not having adequate storage space.

The last thing on my list of needs was a new office chair.  The chair I currently use is perfectly sturdy but the "leather" on the seat is tattered and torn. I can make do with it.  If I get tired of looking at it I can make a seat cover.  I can also look at free items on Craigslist or Freecycle to see if a good office chair is up for grabs.

One thing I've learned in the last few years of working to get a better handle on my overall financial picture, is that it pays to sit down now and then and examine monthly bills and spending habits over a period of time.  In a recent round of self-examination I've noticed a number of things that are costing me money:

I keep current  bills in these plastic folders to help me keep them from spilling all over the place.

  • I forgot to submit paperwork for 1 (one) medical item when I submitted paperwork last month. I need to follow up on that. It could mean $80. (Canadian) in my pocket.
  • I am consistently late paying my all-in-one (tv/phone/internet bill). Besides shelter, food and charitable giving, this is currently my largest monthly bill and I get a discount for "bundling" the services through one provider.  Though I thought I was up to date with the bill, I got a shock in the mail this week.  To make sure this doesn't happen again, I've set up recurrent, automatic payments.  I've done this for other bills already. I think I'd left this bill out of the automatic payments because I wanted to see how this bundle package was turning out for me.  I'm still undecided but in the meantime, I've scheduled future payments so I'm not late again.  This will save on late charges and nasty surprises. I also need to look into whether to change my services to find a better deal. I examine this possibility every year and have opted to stay with my current service provider each year.  Some day that may change.
  • I totally forgot about some charges (spending) incurred in late July. These charges impact my discretionary spending in August. This doesn't usually happen but when I get very busy like I was in June and July, some things get totally forgotten.  When I get too busy I also get anxious about the time I need to go over my accounts carefully to help correct any misspending and make sure all the bills are paid.
  • I haven't yet followed up on two sources of money I think is due to me. I have to make time to write some letters and make phone calls. I had followed up on one some time ago but didn't take the next step.  Sometimes these matters really require effort from us and often people overlook these things because they are too busy.
  • I need to cancel 2 automatic purchases I make from The Shopping Channel for vitamins and facial products. It is costing too much though it is much cheaper than the regular prices. My improved dietary changes should help balance the need for vitamins and minerals and I have more than enough facial products.  Besides, I've been unhappy with TSC lately. I've been having problems with TSC getting full refunds on items returned and credit for savings coupons. I've decided to block this channel so I no longer have to view what is on offer.  This will eliminate any more temptation to spend, the headache of paying and the hassle of getting properly refunded.

One of my former big spending vices was buying books and magazines.  I stopped buying magazines long ago (like 10 years ago).  I pretty much stopped buying new books a few years ago but once in a blue moon I will purchase one if I really want it.  I love reading and I don't like to wait long to read new books that I've been anticipating reading. Another way of saving money on my reading habit is to use the library.  I had gotten out of the habit of using the library when they built a new one farther away from me but recently reactivated my account.


I put some books on hold and it wasn't too long before the first one, Paris, was ready for pick up. I read the book in the first week of the loan period but delayed returning it.  Last night, I was notified that another book I put on hold, And the Mountains Echoed, is now ready for pick up. So now I can make a drop off and a pick up at the same time.

When I am very bogged down with the cares of day to day life such as I have been since April, it is good to have a break.  Reading and movies are some of the ways I like to take a break.  I also like getting together for fellowship with people, especially people who are from another culture.  Fortunately, I have a few social appointments this week, including one with a young friend who has just returned from Kenya.

I hope your week is going well.



Tuesday, August 13, 2013

Blue No More

I wrote the other day (here) about how yellow stains in clothing were making me blue. I described what I was doing to get the stains out and invited helpful tips from you my readers, in getting out the stains.

Since my post on this, I stumbled on an alternative to Oxy-Clean powder. I was browsing in a discount shop for a few small items when I came across a new to me product called, L.A.'s Totally Awesome Oxygen Base Cleaner. I purchased a small tub of it for $2.99 (Canadian).  I think this product is very much like the powdered Oxy-Clean.  When I used Oxy-Clean a few days ago I was using the liquid spray not the powdered form which probably works better.  If you can't find the Oxygen Base at the dollar store you can find it on line at Amazon.  One of the ingredients in the product is peroxide. Using peroxide on the stains is a tip that was left by Dimple on my previous post.


When I got home I mixed a bit of the new-to-me powder with water to make a paste.  Then I rubbed the paste into the sleeves of my blouses and left them to soak in hot water. After that I washed the clothing in a long cycle in hot water.  Voila, the look was much improved but still not good enough for me so I washed the blouses again with hot water only.  Again, the sleeves looked better but still not good enough.


I soaked and washed the stains in the solution again and this time I put them out in the sun to bleach. Presto, the stains are GONE or almost gone!  I've put these back out in the sun on the patio for another hour or two to "bleach" them even further. You can see in photos #2 and #3 that there is still a bit of discolouration but if the items are worn, the discolouration is not so noticeable. If you enlarge the photos you can get a better view of the sleeves.  I'm sure that with continued attention to the sleeves, the stains will be completely gone soon.


I would have put the blouses out in the sun earlier but I needed to have a long period of sunshine at the right time. As things happen, yesterday was not so sunny and warm until late in the day and I had no time then to leave the clothing outside.

I am pleased with the results and next time this happens I will be quick to sun bleach the stains.Thank you to every one of my readers who left helpful tips.  With a  lot of time and patience, I've now saved myself from having to buy new blouses for next summer. I think I could save time next time by placing the clothing in the sun much quicker and I hope I remember that should I need to in future.

Sunday, August 11, 2013

Travels

I've seen these kind of maps on blogs of friends.
I thought it would be fun to make one for myself so here it is.


I've done an awful lot of travelling in my lifetime but the map says I've only covered 7% of the countries of the world. I've been back to many places 2 and 3 times, especially to Australia & Kenya. I hope to cover more countries before I'm done.  Clearly I have a lot more travelling to do.

Yesterday was a very very busy day for me, catching up on washing and folding laundry, vacuuming (hoovering), emptying the vacuum canister, changing bed linens, unloading and loading the dishwasher, making salad, emptying garbage cans and a whole lot of errands to get some things for mom and some things for me as well.

I also did a lot of research on line looking for deals on duvet covers. I've narrowed it down to two possibilities, both of which are on a very good sale. I've been looking for these for a very long time but hate to pay the prices that they usually are on offer for.  I want to buy one solid coloured duvet cover for myself and one for my brother's birthday which is coming up in the Fall. Yesterday's flyers also showed a sale on two other things I need (a new tower fan and an office chair.  I've needed the chair for some time but that might have to be put off again.  Maybe I can get one for free. I always keep my eyes open for free things if they fit my need and they aren't too shabby).  I need to carefully think about each expenditure and figure out what I really need and can buy this month. Thinking two and three times before buying anything, buying on sale, or getting things for free is all part of my frugal living approach to living and to managing my finances.

The fan could potentially wait but the problem is that in my country, the fans will not be in stock again until the summer of 2014.  I can't take that chance since the fan I use in the living room sounds like it ready to quit.  Though I try not to add credit card debt, at times like this I often justify the use of  a credit card if those charges will be paid in the near future.  This is always a gamble as you never know what other expenditures come up in the meantime that are equally important.

Sometimes I dip into savings for such needs.  But again you must be careful.  If you get into this habit you will find it hard to save.  I know this because I often dip into it for needs other than travel which is what my savings are supposed to be dedicated towards.  I'm hoping to get to the point where I don't have to do that.  It would help too if I could get some donors to help the Kenyan man named Elvis. You can read about him by clicking the badge to the right of my blog. He still needs a lot of help to finish the year.

Sunday I was played out so I just relaxed. I didn't do much other than reading a very few blogs, continuing to try and get yellow stains out of my summer tops, logging my daily blood glucose, making soup and salad, and watching movies. Tomorrow I have to try and get to several accumulated "to dos" including getting to the post office.

I wish you all a great week.

Saturday, August 10, 2013

Yellowing Makes Me Blue

These are the yellow stains after about the 4th wash. I've just sprayed them with Ocy-Clean.

Some time ago I noticed I had a few white blouses that were yellowing in my closet but I never got around to trying to deal with them because these are items that I seldom wear.  I've read that if you don't wash white clothing (or linens) on a regular basis, they start to get yellowed from dust and other particles in the air. Often the sleeves of tops hanging in the closet are affected because these parts are usually exposed more to the air while hanging in the closet.

I wanted to wear some of these light, white tops due to the very high temperatures we've been experiencing this summer.  I did some research on line about how I could get rid of the stains. Oxy-Clean is a ready made stain remover that I read could be sprayed on clothing and left for 10-60 minutes before laundering.  I also read that if I scrub the stains with laundry bar soap and let them sit or soak the clothing over night in a solution of vinegar and water, that my stains would be removed.  I decided to try all three approaches.

Altogether, I treated the stains about 7-8 times.  The stains are far less noticeable but they are still there and the items of clothing are still not wearable. I think part of the problem is I may have washed these items before and inadvertently set the stains by washing them in warm or hot water. That apparently is a "no-no". I've used cold water in my recent attempts. I will give these items a rest for a few days and try to scrub them out again. I think another 3-4 times might accomplish the job.

Have any of you had to deal with stubborn stains like this? If so, were you able to get rid of them?  Would you like to share your approach.

A Few Days in March ~ Skywatch Friday

Hello friends and fellow bloggers. I hope Spring is treating you well so far. It's been roller coaster weather where I live with mostly ...